23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently reviewed my XXXX consumer credit report and notices it contained information about a dept that was reported many times but NET CREDIT. I reached out to NET CREDIT for more information regarding this and told by the representative that the dept had been sold to XXXX XXXX XXXX a Third party dept collector. While on the phone call with NET CREDIT representative i made her aware that if the original dept had been sold ( assigned ) to a third party, that the original contract was void.amd that i had not agreement and/or contact with the third party collector.Also i informed her that it being sold was theft of my identity, and it being reported to the credit bureau ( s ) was false information reported, that the third party XXXX XXXX XXXX XXXX XXXX XXXX XXXX  had no consent to do so from I the consumer. And i request just compensation from both parties the settle the matter honorable.
Product: Debt collection

Says I opened an acct in 2015 and owe {$1100.00}. This company is not licensed to collect or contact about any type of debt in the State of Indiana. I want this removed from my credit reports.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was approved by Rocket Mortgage for a 30-year mortgage in XX/XX/2023 for a {$340000.00} condo in XXXX, DC. After receiving full approval to receive the loan, and paying for a home inspection for the condo to close on the sale by XXXX XXXXXXXX XXXX a Rocket Mortgage underwriter without much notice froze the loan until I can get a letter showing that the dividends I receive from my family 's legacy company will continue for at least 3 years. I provided the letter that the loan officer said would resolve the underwriters ' issues on XXXX XXXX after already sending a separate letter days earlier that the underwriter said needed to include additional information. But on XX/XX/XXXX, the loan officer was told by another underwriter that the letter would no longer suffice, and they now require proprietary information about the company 's earnings and accounts. Indeed, there seems to be no criteria for satisfying the underwriters ' requests, which appear to be capricious and somewhat arbitrary. As well, the underwriters ' continue to change the criteria for the loan, even though my income had been documented upon receiving approval for the conventional mortgage. And there appears to be conflicting opinions between the loan officer and the underwriters on what requirements would suffice.
Product: Credit card

I HAD TALKED TO THIS THIRD PARTY CONSUMER SEVERAL TIMES ABOUT THIS ACCOUNT AND THEY COULD NEVER SEND ME ANYTHING ABOUT THE ORIGINAL DEBT BUT THEY CONTINE TO SEND ME EMAILS, AND LETTERS REQUESTING PAYMENTS FROM ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yetI have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected toeliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered thisreport from a past letter and I am including it once more. I've educated my lawyer regarding my aims and theyare eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$270.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, Your statement provided totally goes against the Consumer Law. I also have spoken with Jefferson Capital Systems and they're totally clueless on whats going on with this account. These guys can not provide me with any details and was very rude and told me that I need to call you guys and hung up on me. I am requesting the phone conversation from Jefferson Capital Systems LLC in regards to my account. I am requesting from XXXX the recorded phone conversation from that day of payment of {$330.00}. AGAIN I AM REQUESTING THE PHONE CONVERSATION which was stated to me over the phone that it was being recorded. ALSO I am requesting a written consent that was signed by myself ( XXXX XXXX ) that would give you guys ( XXXX ) the legal right to report this. I never signed consent and never gave you guys consent. Per CRA guidelines, this is absolutely illegal and should be removed from my credit report altogether. ALSO I am requesting a copy of the contract that was sent to JEFFERSON CAPITAL SYSTEMS LLC WITH MY ACCOUNT DETAILS, SHOWING THAT THIS ACCOUNT IS NOW WITH JCS. I have spoken with them several times and they can not provide me with any information. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe reporting in error. 


XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXR Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I told them that they are not licensed to collect a debt in my State of Hawaii. And that they should cease collection including verifying with the bureaus and removing themselves from my credit reports as they are committing a crime against a consumer by not being licensed to collect any debts in my State. They ignore the facts and continue to blemish my perfect credit with their illegal tactics. They also have failed to respond to my letters for them to validate this debt! I guess it 's because they are breaking the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was called in XX/XX/XXXX by Sun trust Bank that they were offering a refinance deal and would I like to be considered for it. The lady who called was XXXX gave no last name but provided this number XXXX. She told me not to make XXXX payment that I would here from the by the XXXX of the refinance. I never received any paperwork but woke up to find my car gone from the driveway. 
I never received any contact from the Bank that there was an issue or no call questioning the payment being late. I live in the state of Virginia and the Virginia law as of XX/XX/XXXX states that before any vehicle can be repossessed a letter must be sent to the consumer informing them that such an action is going to take place. 
When I found the car gone I immediately called sun trust as I had not heard anything from them and feared the worst. Since this happened I have found out this was all a scam during that time in XX/XX/XXXX. 
Immediately I got the funds and went to pick my car up from the agency it had been towed to which was across state lines which I believe is also illegal. 
Immediately after getting my car I started the complaint process with suntrust about the repossession of the car. I spoke to a lady by the name of XXXX at the same number and she told me to call the XXXX number and speak to someone about this matter. 
I am very upset about the reporting on my credit report as it shows repossession and then after it was recovered they marked my payments as it being in recovery payment. 
This car was paid off this year and the negative crdit marking has caused me not only to not get an RV but also has caused me not to be bale to get a home equity loan. 
I was promised by suntrust in XX/XX/XXXX that all the reporting would be corrected.
Product: Credit reporting or other personal consumer reports

I requested a copy of my credit reports and saw an incorrect payment history on an XXXX auto loan. I tried to contact XXXX regarding this incorrect payment history, but I found that XXXX is no longer in business. I contacted the credit bureaus and I ask them to investigate and correct the payment history, but Transunion and XXXX came back to me saying the information had been verified, I then requested how the information was verified, and my request was ignored, by both bureaus. It is the law that they provide detailed method of verification, but my request was ignored. 
XXXX XXXX bank was purchased by XXXXXXXX XXXX and XXXX was verifying the credit information under the XXXX account on my credit bureau. My account was opened and paid off under XXXX and not XXXX and it is not accurate information on my credit report to have XXXX reporting information on the behalf of a bank that no longer exist. The bank that is reporting the information is not the bank where the account originated or who was paid the payments. I do not believe it is correct to have one bank verifying information and reporting for a defunct bank under another name. I'm legally intitled to have a 100 % accurate credit report and since the original creditor can not verify the information The bureaus must correct my payment history since they can't verify with the original creditor.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I started to receive text messages and emails about my Chime account. I never set up an account with Chime before, or used their website. This account had my phone number, email address and address of my home. I believe my social security number was used as well to set this up. I contacted Chime and they closed the account but they wouldn't give me any information on the account or let me know when it was created and if it was used. I have read online that others have experienced this and that Chime themselves has created accounts for people without authorization. This is very concerning for me and I would like further steps to be taken on this. Thank you
Product: Credit card

I applied for a Chase XXXX XXXX XXXX based on an attractive bonus offer for frequent flier miles ( XXXX ) based on spending within the first year. The offer was XXXX XXXX for spending {$2000.00} in the first XXXX months, another XXXX XXXX for spending {$10000.00} in the first year, and an another XXXX XXXX for spending an additional {$10000.00} in the first year. I met the spending requirement for the extra XXXX in the first year, now the company is refusing to issue the miles stating that the bonus offer was never attached to my account and I would have had to have complained in the first XXXX days of opening the account in order to have it changed, even though I had a year to met the spending requirement. Chase also claims that the offer was only available to select individuals who received the offer by e-mail. However, the offer was advertised on the XXXX XXXX website, which is where I applied. I even have a screen shot of the offer I applied for that I shared on social media at the time. I have talked to several representatives at Chase and all are refusing to honor the bonus offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Corelogic Credco did not have my authorization to pull my credit report. The inquiry made by Corelogic Credco on XX/XX/16 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. Please help me to get this business to delete the inaccurate and unverifiable inquiry from my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXXXXXX ) Please 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 I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the XXXX  file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my dispute letters Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution.

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

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/2019. I was turned over to consumers adjustment co.and the company that turned me over was XXXX.. which I have no idea who they are and I already talk to XXXX the owner of it and he said I don't owe nothing that I am not even in database ... I have all text and email from this man that states he don't know how this happened. Also I talknto consumers adjustments he couldn't give me any info I asked on me .. you may look into this situation as 2 company 's could be working together.. This has been on my credit since XX/XX/19 and has hurt me on borrowing money as well as getting loans. I will reach out to myXX/XX/XXXX as well. This is a crime and felony and strip me of all my rights and hard work. Someone needs to be held responsible and compensate me as well as bringing my credit score up. I am trying to get my credit right to buy a home .if you need the text and emails from XXXX XXXXXXXX I have them. Thanks please help me!! Scam.. scam ..scam
Product: Credit reporting or other personal consumer reports

I had a XXXX  so I was looking to get a house as well as loan and i saw i had damages on my credit report. I have numerous unauthorized charges and I have tried to get these issue resolved as they are affecting me. I am a single mom and this is hurting me big time I am not able to accomplish anything because my credit report has so many damages. According to the 15 U.S.C 1681 law there should not be any damages on my credit report as a defamation to my character
Product: Checking or savings account

Involves my client, XXXX XXXX. Her husband XXXX XXXX died in XX/XX/2022. She is appointed Personal Representative of his estate in XXXX XXXX, Maryland Capital One Bank claims to have sent a {$180000.00}. cashier 's check to her to close the account on or about XX/XX/2022. Initial problem : They sent it by regular mail to an old business address. The check never arrived. Capital One refuses to replace the check until the mailed check is recovered. This is an impossibility. At one point, on XX/XX/2022, Capital One sent an email to XXXX XXXX stating that they had received the check back as " undeliverable '', and that a new one would be issued. However, XXXX days later on XXXXXXXX XXXX XXXX, Capital One sent her an email stating that that was an error, that they had NOT received the mailed check back. The Capitol One internal case number is XXXX. To date, almost three months after the account was closed, she has not received the funds. This {$180000.00}. is the only large asset of her husband 's estate. 

Again, the Capital One case number is XXXX. It is in the office of XXXX XXXX XXXX Capital One Bank. 
.