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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial 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 dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. Im requesting immediate corrective action to removed or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit card

Review the attached documents. I request an investigation into these accounts, as they incorrectly report me as late, despite my timely payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through eOscar. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine. The accounts Im speaking of are XXXX XXXX, XXXX XXXX, and Chapter XXXX Bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had this account closed. I was refunded security deposit in the amount of {$1000.00} via check. Im requesting that this account be removed immediately. It has no use showing on my credit report.
Product: Mortgage

COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX This is my complaint id. I was told the inquiries would be removed from my credit report in 30 days and a follow up contact would be made with me. The inquiries are still there. I understand one would remain. I still see 6. This is unacceptable. I should not have to continue to spend time disputing this due to the negligence of your former employee XXXX XXXX with Prosperity Mortgage. Please have XXXX remove the inquiries aside from the one that should in fact be there.
Product: Checking or savings account

Wells Fargo closed my account on XX/XX/XXXX and scheduled for it to be closed on XX/XX/XXXX. Today after they continually did not notify me of anything they stated the deposit account will now be closed on XX/XX/XXXX They are holding my deposit account hostage, THIS IS A NOTICE TO CLOSE THE ACCOUNT ENDING IN XXXX immediately.
Product: Mortgage

On Wednesday, XXXX XXXX, 2015, I went into a BMO Harris branch in XXXX, Illinois to apply for a mortgage refinance. I presented the Mortgage Banker, XXXX XXXX XXXX XXXX a commitment letter from my current bank for the mortgage refinance and asked if he could do better than their deal. It was an interest rate of 3.5 %, for 15 years with XXXX origination fee and XXXX discount fee. Although he said the cost would be approximately {$1500.00}. He also said that the recent appraisal of my house could help to reduce the cost of the loan and I would get a grant for {$1000.00}. But he required a {$100.00} deposit. I provided a master card for the {$100.00} and asked for a receipt and he said he would email it, but he never did. Today, I received the application via express XXXX letter that he completed along with other mortgage documents including disclosures and settlement information. How can {$4100.00} in settlement charges be better than XXXX cost and XXXX origination fees? I wanted to borrow XXXX, but the application says that I want {$85000.00} to pay for consumer debt when I did not ask for additional funds. I told him that I currently do not have an escrow with my current mortgage and want to keep it that way, but the application/documents he prepared state that I would have an escrow. I have asked whether I would be denied a refinance loan for the {$73000.00} and whether I am only approved for the larger {$85000.00}. To date, he has not documented whether or not that is the case. Also to date, he has not provided me a receipt for the {$100.00} that I have requested XXXX, but BMO Harris managed to charge my credit card. I have found this loan refinance process to be such a scam.
Product: Debt collection

Portfolio Recovery calls everyday. Calls my family. Debt that's 6 years old or more. Cussing at me. Threatened me with jail time, or to send sheriff department to my house. Judgement supposedly against me in excess of thousands of dollars aside from the debt itself.
Product: Credit reporting or other personal consumer reports

Charge off is inaccurate account according to IRS charge off can't be reported as ordinary income 15 USC 1681 ( b ) or neither have I've received 1099 c form XXXX XXXX XXXX  XXXX Referance ID : XXXX stated {$3900.00} balance. Sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice. XXXX XXXX violated my rights as well under 15 USC 6802-6805 They are supposed to send me an opt-out letter with their initial letter. Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of authorization I the consumer may have given XXXX written, un-written, verbal and non-verbal per 15 USC 6802. I am " opt-out '' of XXXX reporting on to 3rd party/non-affiliate credit agencies. XXXX Funding company continues to violation of FDCPA, PA, FCRA, ECOA, RICO, CCPA and FTCA CCPA have the right to 2500 or 7500 per violation. 15 USC 1681n, 15 USC 1681b, 15 USC 6801, 15 USC 1681a, 15 USC 1666b, 15 USC 1681e, 12 CFR 1022.3 Please remove this account from consumer report immediately. Per listed violations above, consumer reporting must have my written consent. Per listed violations above, consumer report can not report late payments nor transaction history relating to account. Consumer does not agree nor consent to use of my private consumer report. Please cease and desist all communication activities including communication with me through consumer reporting. This is a deceptive practice by XXXX XXXX and is in violation of my privacy under Privacy Act of 1974. I did not verbally nor did I provide written agreement of sharing my personal information with 3rd party, non-affiliate companies as I am opt-out of 3rd party and non-affiliate sharing of my information. the consumer will take it a step further in seeking remedy per 15 USC 1692k. reporting under the Fair Credit Reporting act but also this damage could affect my rights to credit under the Equal Credit Opportunity Act if fraudulently reported. I ask that unless XXXX XXXX can provide me original signed contracts with my signature, that you cease and desist. XXXX XXXX is harassing me and failed to provide any documentary evidence of such alleged debt. There is no true bill.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is My E-mail is " XXXX ''
Product: Credit reporting or other personal consumer reports

According to the FCRA XXXX  account XXXX  XXXX has violated my rights. 

FCRA section 605 B. It is illegal to report information on my credit report without my permission.
Product: Debt collection

, I am writing to formally dispute certain inaccuracies present on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681. After a thorough review of the reported information, it has come to my attention that there are discrepancies that require immediate attention and correction. There are fraudulent collection accounts, on my report that I want deleted
Product: Credit reporting or other personal consumer reports

I looked up my credit report on XX/XX/2023 and sent letters to Transunion. my tracking numbers are XXXX, XXXX, XXXX. They said the letter did not appear to be sent directly by me, however in the letters it states " I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating XXXX XXXX XXXX XXXX XXXX. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. '' It is clear they did not read or attempt to process these disputes. They sent an automated letter to stall. I have attached the highest identification documents possible. This has been extremely damaging to me as it has been over 90 days. these inaccurate items has caused me to be denied credit. I have done everything in my power to try to fix the situation with nothing being done. This is my last effort before seeking litigation.
Product: Debt collection

When running my credit report I notice a few collections and charge off on my account that I did not authorize a XXXX XXXX account for {$4200.00} on XX/XX/2022 and another account with XXXX XXXX XXXX for $ {$6900.00} XX/XX/2022 The method that was use to open the accounts was a photo picture of my ID, Social Security number and drivers License was attain doing all of the transactions. All accounts was open on different dates.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed an account that was not reporting accurately. i had multiple late payments on an account that i was in fact paid on time. The consumer reporting agencias have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XXXX XXXX  ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. 
Earn XXXX miles
Product: Credit reporting, credit repair services, or other personal consumer reports

The major three credit reporting agencies is not abiding by the rules and laws within the FCRA. These three major credit bureaus are constantly reporting unverified and unauthorized accounts inwhich is unconstitutional. I have requested the Method Of Verification used in previous investigations but did not receive any response from either of the 3 credit reporting agencies. My identity has been compromised and accounts has been opened and closed in my name. I have no contracts with any of these corporations inwhich the 3 major reporting agencies are reporting. I'm now demanding that this accounts be blocked from my credit data immediately. And if these accounts are not blocked / removed accordingly then I will file suit as of my rights as a consumer. Please block these fraudulently opened and unauthorized accounts, account # 1 ( XXXX XXXX XXXX ) account # 2 ( XXXX XXXX Bank {$400.00} ) account # 3 ( XXXX XXXX {$4100.00} ) account # 4 ( XXXX XXXX XXXX {$0.00} ) account # 5 ( XXXX Sec XXXX XXXX {$31000.00} ) account 6 ( XXXX XXXX XXXX {$500.00} ) account 7 ( XXXX XXXX   {$870.00} ) account 8 ( XXXX XXXX XXXX {$1200.00} ), account 9 ( XXXX XXXX {$7300.00} ), account 10 XXXX XXXX XXXX {$8300.00} ), account 11 ( XXXX XXXX {$8000.00} )
Product: Debt collection

Failed to verify debt. The account is not accurate on my credit report. information is different on XXXX  XXXX XXXX. its hurting my credit score and its not accurate. information is breaking the Fair reporting Credit Act
Product: Debt collection

This account is n't mine but they insist that it is mine and with my social. They are very nasty and threaten me in everyway
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( XXXX XXXX XXXX XXXX ) account # XXXX, ( {$1400.00} ) XXXX  XXXX XXXX XXXX XXXX XXXX Account # XXXX ( {$420.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX ( {$1200.00} ) In reference to the above that these listed accounts be validated per pursuant to 15 USC 1692 et seq. of the Fair Debt Credit Collection Act ( EDCPA ). You have violated my health information privacy rights, and/or committed another violation of the Privacy Security or Breach Notification rules. I never gave permission to share my information with ANY third party, I am aware that HIPPA does allow limited information regarding me, but ONLY can be revealed with my written authorization. I did give any written authorization to release any information to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage with citizens bank with my maiden name. They are currently merging with XXXX bank and I recently had a hard inquiry for XXXX bank. Next thing I know I receive a credit & debit card in my name from XXXX bank for which I did not apply. Citizens leaked my private information to this XXXX bank without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about Ocwen Loan Servicing fraudulently reporting late payments on my credit report. After my loan was transferred from Ocwen Loan Serving to PHH mortgage late payments showed up on my credit report from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have been disputing these items for 9 months with Ocwen Loan Servicing and they have ignored all of my request and have failed to provide validation of these late payments.

Loan # XXXX
Product: Checking or savings account

I had a lot of charges from a sportsbook that were unauthorized. Totaling in more than XXXX dollars. They denied my claim saying it was me. I didnt make these payments and they are all unauthorized. No help or updates at all, they said they called and left me a message. However I have no record of this, no help whatsoever
Product: Student loan

I had a private student loan that was charged off around XXXX. The original owner of the loan was XXXX XXXX XXXX South Dakota, XXXX, and the loan was taken out in XXXX. Section M ( 8 ) of the loan documents state that the loan is not dischargeable in bankruptcy during the first 7 years of repayment. In XXXX I filed bankruptcy and this loan was listed as a debt. My bankruptcy was XXXX on XXXX/XXXX/XXXX. Soon after my discharge, Navient began to report this account as a charge off on my credit report. I sent a letter explaining that the debt was XXXX in bankruptcy. Navient responded that the debt is not dischargeable under bankruptcy, however, their letter referenced loan # XXXX which is a federal student loan account that I have with them. This private student loan is reporting as loan # XXXX. Navient has also changed the charge off date on the credit reports from XXXX XXXX to XXXX XXXX. I know that the debt was originally charged off around XXXX or perhaps earlier. I again wrote Navient, asking for proof that they own the debt as well as a complete payment/account history of the loan. To date, their only response has been a letter instructing me to call in. I have tried calling in to request these documents on several occasions to no avail. I am constantly put on hold and then no one returns to the phone. Based on a recent statement from Navient, they are now including the charged off amount in my current balance, bringing it to {$48.00}, XXXX, while still reporting the charged off debt with a balance of {$12000.00}, which is a violation of the Fair Credit Reporting Act.
Product: Debt collection

I am writing to formally address the issues I have encountered during my tenancy at XXXX XXXX, which began in XX/XX/XXXX under a 15 month lease agreement. 
Throughout my time at XXXX XXXX, I experienced persistent XXXX XXXX, specifically a XXXX XXXX, which became increasingly unmanageable. In response to this, XXXX XXXX arranged for XXXX XXXX services to address the XXXXXXXX. Regrettably, the chemicals used during the treatment resulted in my child, who was XXXX XXXX XXXX at the time, developing a XXXX XXXX XXXX. This necessitated immediate XXXX XXXX, further highlighting the seriousness of the situation. 
Subsequently, as the scheduled XXXX XXXX dates approached, I expressed my concerns to the management of XXXX XXXX on XX/XX/XXXX, seeking alternative solutions to alleviate the ongoing XXXX problem. However, my attempts to engage with management were met with disregard. 
Despite my follow-up communication on XX/XX/XXXX, regarding the urgent need to address the uninhabitable conditions we were enduring, I was once again met with silence from the management team. 
Faced with the lack of response and resolution from XXXX XXXX following multiple attempts to address the living conditions, I made the difficult decision to vacate the premises. It is important to note that this decision was made as a last resort due to the persistent failure of management to uphold their obligation to provide a habitable living environment. 
I made every effort to seek a reasonable solution before resorting to relocate to a safe and livable space, but the consistent lack of action on the part of XXXX XXXX left me with no alternative course of action. 
It is deeply concerning that Promenade Towers, their management at the XXXX XXXX, and their representatives at IQ Data International, have not only neglected their responsibility to ensure the well-being and safety of tenants but have also unjustly imposed move-out costs and lease termination fees on my credit report. This unjust action has caused undue distress and harm to my family.
Product: Checking or savings account

I had an account with BBVA, and on XX/XX/XXXX I opened a dispute for non authorize transactions with my debit card. on XX/XX/XXXX my account was closed without any warning, letter, contact or anything telling me this bank desition. 
until now I dont know why my account was closed and they 10 days that they have by law to answer or give a provisional credit. 
I called many times to customer service and they dont have an answer. 
I need the credit disputed mailed by check to my address on my profile with the bank. 
Claim number XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account account # XXXX account name : XXXX XXXX XXXX XXXX account /collection account blance {$760.00} dated XX/XX/XXXX account name : XXXX XXXX account # XXXX dated XX/XX/XXXX blance {$0.00} account name : XXXX XXXX XXXX XXXX account # XXXX dated XX/XX/XXXX blance {$760.00} account name : XXXX XXXX XXXX account XXXX dated XX/XX/XXXX blance - last updated - status paid in settlement. {$440.00} written off account name XXXX XXXX account # XXXX dated XX/XX/XXXX blance {$0.00} status closed. {$610.00} written off. 

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
Product: Credit reporting or other personal consumer reports

I got a copy of my credit report and was shocked to see what was on my credit report. N accordance with the FCRA the Department of EducationXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account without my written consent
Product: Credit card

I have a Macy 's Credit Card, we recently purchased a mattress and chose the 12 month " no interest '' plan. The problem is that there is no option on the bill or on line payment, to pay the minimum balance due and allocate payment towards paying down the " special events '' balance. I have spoken to credit many times and they stated that the payment could be made if I talk to credit each time I make a payment and tell them how I wanted the payment allocated. Now it 's been 3 months in a row that I have done this and so far it has not happened, every payment has only paid down the revolving balance. No matter what I do they always take the total amount I send and only reduce my regular account and never put anything towards " special events '' balance. When the 12 months are up they are going to hit me with all the deferred interest. Never was I ever informed that in order for me to take advantage of the " 12 months no interest '' did I have to pay my revolving down to zero before my payments would be paying down my " special events '' balance. I spoke to the salesperson in the store and she had no idea that this situation existed. I think this is situation needs immediate attention and Macy 's should be held responsible for deceptive practices in credit offers. 
I have also encountered the fact that I can not enter my Macy 's account online. When I try to enter they say the information is invalid. They ask for name on card, birth date and last XXXX of SS #, an d when entered they say information does not match, this is indisputable information. Now I can even enter the Macy 's website to pay my bill. 
The credit department has been contacted and nothing has been accomplished except for the hours I 've spent on hold and talking to the XXXX. 
Please research this situation for bad credit practices.