23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am a member of Citibank with a Priority status and a member of XXXX. I applied for their credit card and was rejected on the following grounds : Your credit report shows : too few accounts currently paid as agreed ; a lack of recent installment loan application ; no recent revolving balances ; too few accounts with payment information. 

I have a Citibank credit card which I use regularly and pay on time. I have had this card for many years plus several others in the past. My credit score is quite high and I have an income of over {$75000.00} a year plus substantial savings. I am retired and don't own a home and have never had a mortgage. Their is no legitimate reason for this rejection and they refused to explain the rationale for it. I spoke with XXXX and they had no problem with my credit worthiness. I consider this discriminatory. They have no legitimate reason to deny me the card. I suspect they want people who run up debt and pay interest which I do not do. Further, this rejection is likely to prevent me from getting a credit card from another vendor. What is the reason for this nonsense?
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXX  Date : XX/XX/23 Action : When contacting all 3 credit bureaus to remove inquiry they said to contact the creditor which I did. The creditor would not assist me in the removal of the inquiry so I am filing a complaint with the CFPB.
Product: Credit card or prepaid card

XXXX account was paid off and closed XX/XX/2022. I keep getting phone calls about charges owed like interest fees and threatening phone calls about them making my life a living XXXX like wrecking my credit score. This has gone too far. XXXX is a bunch of crooks and this has to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters on XX/XX/2021 and XX/XX/XXXX, XXXXand havent gotten a response or anything in writing from none of the three credit bureaus. 15 usc 1681 there is a little doubt that XXXX, XXXX and XXXX  has eveidence that this clearly does not belong to me. within timely definsition per federal standard.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit score fluctuations with severe decreases in score without any noticeable, valid reasons. All positive reporting showing on report yet Experian dropped the score negatively impacting me. 

Unable to speak with a live person to discuss or dispute their validity in how the justify their scoring.
Product: Debt collection

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 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 an account without my written instructions.
Product: Debt collection

This is not mines compant threatened to ruin my credit if i didnt pay. 
EOS CCA XXXX XXXX XXXX XXXX, MA XXXX Unknown Account Name EOS CCA Account # XXXX Account Type Other Collection Agencies Balance {$42.00} Past Due {$42.00} Date Opened XX/XX/2018 Account Status Mo. Payment {$0.00} Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department High Balance {$0.00} Limit {$0.00} Terms 1 Month
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXXXXXX XXXX XXXX I realized that on my report their was inaccurate information being reported. The credit card is from XXXX XXXX XXXX  opened on XXXXXXXX XXXX XXXX. I have reached out to the company to get removed but no luck. Please remove this fraudulent account!
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 disputed information on my credit report, leaving inaccurate or unverifiable 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. I am requesting immediate correction action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

Hello I would like to submit a complaint against XXXX for the mismanagement of my funds I have sent them several emails that my cryptocurrency is frozen with the issue " verification is still processing, check back in a couple of minuets '' this has been like this for 4 weeks since the XXXX of XXXX I have received one email from them about the complaint and they have replied that the closed the ticket and it has been sorted when in fact it has not.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Scott & Associates has filed unsubstantiated lawsuit on behalf of client XXXX XXXX XXXX XXXX ( XXXX XXXX ) as an attempt to collect an alleged debt. I have never received any debt validation request or any notification this information was legally acquired from their client. In fact, this exact alleged debt was previously disputed directly with another debt collection company and subsequently removed from consumer reporting agencies and my information from that company files ( screenshot attached of account prior to removal ). How, when and why XXXX XXXX has received any personal information of mine is unbeknownst to me and the legality of that acquisition is in question. This attempt to collect unvalidated, unsubstantiated debt by way of legal proceeding is a direct violation of 15 U.S. Code 1692g a & d.
Product: Checking or savings account

This account was charge for value and return for value and discharged on XX/XX/year> so there should be no negative reporting as a XXXX written off as charge off on the bank XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report upon securing an updated copy, I realized that some of the information are still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Per FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$410.00} XXXX  XXXX XXXX Balance Owed : {$750.00} XXXX XXXXXXXX Balance Owed : {$760.00} XXXX XXXXXXXX XXXX Balance Owed : {$600.00}
Product: Mortgage

Mr. Cooper DBA Nationstar Mortgage has placed my account in arrears for the XXXX mortgage payment that was paid to my previous mortgage company before the transfer date. 
My mortgage was transferred to Mr. Cooper on XX/XX/2019. Subsequently, I received a letter on XX/XX/2019 from my current mortgage company at the time ( XXXX ) and from Mr. Cooper stating that I shall make my XXXX mortgage payment to XXXX if paying before the XX/XX/XXXX due date. I paid my XXXX mortgage payment and it was received by XXXX on XX/XX/2019. Mr. Cooper did not own my mortgage loan yet, but they have put me in arrears for my XXXX payment that was paid to XXXX as instructed. Now that I have made my XXXX mortgage payment to Mr. Cooper, they have applied it to XXXX and now I am arrears for XXXX. I contacted Mr. Cooper via phone on XX/XX/2019 and emailed documents that they requested which included : my bank statement showing that payment was debited, a letter from my bank showing they paid XXXX electronically through their billpay department, my XXXX   statement showing payment was received by XXXX on XX/XX/XXXX, and the transfer letter showing I was instructed to make my XXXX payment to XXXX before XX/XX/XXXX. I followed up with Mr. Cooper via phone and email on XXXX XXXX and emailed them my next month 's bank statement as requested, showing that no payments were credited back to me. I followed up again on XX/XX/2019 via email, XXXX also reached out to them at the same time, and I filed a complaint with the XXXX  and all correspondence has gone ignored. To date my account has still not been fixed and no one from Mr. Cooper has answered any of my emails, calls from XXXX, or replied to my XXXX complaint. I am extremely concerned that Mr. Cooper will report their own mistake to the credit bureaus which will leave derogatory marks on our credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a " re-investigation '' into the information reported to Chexsystems by XXXX XXXX only to receive a letter back from Chexsystems saying that the date of bankruptcy filing was prior to the date of the information being reported, and that if I wanted to further dispute the information, to submit further documentation such as a list of creditors indicating that the specific account had been included in my bankruptcy. This just happened to be the exact same document that I submitted in my original dispute request to them, so they knew going in to the the dispute that the account was included in bankruptcy, chose to ignore my dispute, continue to create roadblocks, and report erroneous information. I then attempted to contact them to discuss the response letter and was informed that only one person in the entire company can speak with me regarding my file after providing them my consumer ID XXXX, and that I would have to wait for a call back, which of course took 6 hours, and I missed because I was at work, so who knows if and when I would ever be able to speak with " XXXX ''.
Product: Debt collection

I saw a negative mark on my credit report from FOCUSED RECOVERY SOLUTIONS. XXXX  XXXX lists XXXX XXXX HOSPITAL as the original creditor. The amount owed according to the hospital is {$62.00} and no bill was ever sent to substantiate the debt. I called the hospital and they sent a statement which is attached. How can I remove the derogatory mark on my credit? It has lowered my score for a year. Please help me resolve this situation.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding this unauthorized and fraudulent inquiry ( XXXX  XX/XX/XXXX  ) on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of this item, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate this entry. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Debt collection

The events were over 10 years old and In another case I was a ward of the state therefore no debt should be due and I am still harassed and billed for it and 2 other cases were from XXXX and XXXX over 11 years old the original date of incident but somehow they keep resetting occurrence XXXX to suit their needs
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has not responded to my validation request made on XX/XX/2019. As of today XX/XX/XXXX the is in Violation. 

Please see attached of credit summary reflecting : ( XXXX XXXX  ) a unknown Account. 

XXXX XXXX- is the original creditor of which has not responded to my validation request. Of which includes : paperwork, proof of account ownership, date of last activity, recalculate of amount they claim I owe ; signature pages of contract as required by law. 

XXXX XXXX has not responded, a violation
Product: Credit reporting or other personal consumer reports

I dispute the following hard inquiries on my credit report : XXXX XXXX ( Bank ) XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/scrub>XXXX XXXX XXXX ( Finance ) XX/XX/year>, XXXX ( Finance ) XX/XX/year>XXXX XXXX ( Bank ) XX/XX/year>XXXX XXXX XXXXO ( Bank ) XX/XX/scrub>XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 16811 ), unverified inquiries must be removed. Please investigate and remove any unverifiable inquiries.
Product: Debt collection

I had an account with synchrony. They sold the account to other lenders and add it back on my credit as if it was just new. The account is over three years old. They are also doing soft inquiries on my credit without my permission. They are using portfolio recovery and the dates are not correct. I've contacted the credit bureau and disputed them. All of the things that supposed to be on my credit isn't. People are adding things to my credit without sending me notice or anything. Here are the dates for the soft inquiry for portfolio recovery. Inquired on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have not requested for anything such as a credit card or anything other than a car-loan on 1XX/XX/XXXX. I've contacted the dealership and asked them to stop making the inquiries after I didn't get approved. I had to have a co-signer which was my mother that has perfect credit and was promised. I don't have a lot on my credit which is great but the soft inquiries are hurting my score and I didn't request them. I currently have a freeze and fraud alert.
Product: Credit reporting or other personal consumer reports

Disputed a late payment for XX/XX/year> ( was not XXXX  days late ) after verifying with XXXX. Was not removed from my credit report.. also, my score just decreased again for a balance increase with XXXX despite my account still being current.
Product: Payday loan, title loan, or personal loan

I took out a loan short term for XXXX which I ended up getting XXXX when you get loan they charge a XXXX funding fee and a fee to transfer to your account via ach. your suppose to have a payment took out weekly for XXXX ( 9 payments ) which I asked them about and that is what they said. It is charged to your debit card. So my first payment was due 2 days after loan which I thought was odd XX/XX/XXXX. Then they try charging my card on Monday, Wednesday, and friday. I always leave my card lock so I do not get unauthorized charges. So they text me said my payment did not go through on Tuesday so I unlocked card and they charge me XXXX on XX/XX/XXXX. Then I get a text message XX/XX/XXXX my payment did not go through, cause again I lock my card. I thought ok this is for this weeks payment. So I unlock on XX/XX/XXXX and pay XXXX again. Then I get a text on XX/XX/XXXX my payment no go through, cause card is locked, and I text them back why you charging me again this week. They said they charge payments to payback the XXXX I borrowed 3 days a week. So they are expecting for me to make 3 payments a week for 3 weeks and I said you never mention this to me before. If I had know I would never have borrowed the money. So they sent me a link https : //fulladvances.com/our-process and when I read it, it does not stay they charge you three days a week, it states they process payments on Monday, Wednesday, and friday, misleading making you think your payment is due on one of these day. I have never ever heard of a lender charging 3 payments a week and also a XXXX funding/processing fee and ach transfer fee. this needs looked into
Product: Mortgage

Bank of America either sold or transferred my mortgage to XXXX without notifying me and all attempts to obtain information is convoluted and unclear because I always made my payments to BofA. However in XX/XX/2022 they returned my payment, then XXXX started preforclosure on my property in XX/XX/2022. My XXXX  XXXX records show all payments to Bank of America were cashed.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$400.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian was given a dispute of a problem on my Credit report on XX/XX/2022. They had a answer on XX/XX/2022. That was literally 2 business days! They did not contact the source at all. They just assumed the information the business gave them was true without seeking any truth what so ever. What is the point of a dispute if they aren't even going to follow up. In no way did they even attempt to find the truth. This is unfair reporting by Experian and I would like some sort review of their practices.
Product: Debt collection

I went through a divorce where i was to remain unharmed from the credit card listed on the judgement from the court order my ex wife was to remove me but has not done & it has affected my credit score to Acquire a home loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX  XXXX Balance Owed : {$490.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$60.00} ; XXXX  XXXX XXXX Balance Owed : {$580.00}.
Product: Debt collection

Aside from being very poorly treated during my stay, In XXXX oXXXX XXXX  my apartment unit at XXXX at XXXX XXXX flooded due to a dishwasher line busting that I was told I was not liable for. No one inspected the apartment after the flooding mold started arising in all areas of the unit. Sewer water was left sitting in my dishwasher that smelled terrible. A company was called out to dry the unit with big fans, they arrived hours later and unfortunately water had already been absorbed into the floor. The vinyl floor began lifting in result to the flooding and this was something that the apartment were well aware of. 
I reached out numerous times in regards to the move out balance they claimed I left owing them more money after keeping the entire deposit. They also claimed I owed a balance at move out which I did not. I paid every cent I owed to them once the keys had been turned in. I asked for details and specifics on the poorly created invoice that was sent and received no phone call back. I also sent a detailed email in regards but No response from cooperate or the office manager falsifying these charges. I hired a legal shield representative that sent out letters to the apartment complex and no responses were ever received back. Now I am seeing the placed it on my credit report as well as to other places such as the housing authorities and this is not accurate or right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

XX/XX/XXXX XXXX : XXXX XXXX account ( Comenity Bank ). 

XXXX XXXX account ( Comenity Bank ). 

When I spoke to the representative XXXX XXXX in collections, it was determined they had the wrong phone numbers and no email address he forwarded emails for corrections. XXXX sent me this email confirmation because he is resending the delinquencies on my credit bureau for XXXX - XX/XX/XXXX, I am now working to get a mortgage for my dad 's house because my mom passed away and dad had to go to a XXXX home and I have guardianship because he has XXXX 

I called today XX/XX/XXXX and was not able to get this removed, as the bank said they saw notes but could not remove it.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report. I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : GEORGIA XXXX XXXX XXXX