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

I am writing to bring to your attention an issue I have encountered with my credit report. Recently, I discovered that there was a fraudulent account on my credit report that was affecting my credit score. I followed the proper procedures and reported the fraud to you, and you removed the account from my credit report. 

However, I recently checked my credit report again and was shocked to see that the fraudulent account had been added back onto my credit report. This has caused significant distress for me, and I am writing to request that you remove the account from my credit report once again. 

Section 1681e ( b ) of the FCRA states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports.

Additionally, under section 1681i of the FCRA, consumers have the right to dispute any information they believe is inaccurate or incomplete in their credit report. If the credit reporting agency can not verify the accuracy of the information in dispute, it must be deleted or corrected. This may include delinquent accounts that are no longer accurate or valid. 

It's important to note that credit reporting agencies are required to follow specific procedures and timelines when investigating disputes and updating credit reports. If you believe that a credit reporting agency has not followed the proper procedures in handling your dispute, you may have legal options to pursue.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a ring from XXXX XXXX for a total of {$7700.00}. When going over my purchase options the Jeweler informed me that they have financing for 0 % interest for 6 months to 1 year. I told them I preferred to pay cash but would have to go to the bank, the stated I might as well do the financing to help with credit. I asked if this would be a soft or hard inquiry into my credit, and told them I was planning on opening a new credit card account so this was important to me, which they replied just a soft inquiry. Upon being approved they told me how much I was approved for {$5600.00} so i paid the remaining balance of {$2100.00}. They say I will just have to keep up with monthly payments and make sure to pay it all off before the 0 % interest runs out, I was planning on just paying it all off at once. Later I come to find out what they had done is issue me a credit card that was maxed out to the {$5600.00} and that it was a hard inquiry on my credit report. Had I known this I would never have agreed to the financing options. XXXX XXXX has basically said they are sorry and will work on informing their staff to take better precautions on how they advertise the financing. Wells Fargo was unable to assist me over the phone yet.
Product: Credit card or prepaid card

Hi there, Per the terms of Chase XXXX credit card - As a one-time bonus each calendar year, you, as the primary cardmember, will earn a Category 1 through 4 Free Night Award after you spend {$15000.00} in purchases. Purchases are when you, or an authorized user, use a card to make purchases of products and services, minus returns or refunds. 

I spent {$15000.00} in XXXX based on purchase date, however, several of my transaction only posted past the XX/XX/XXXX and the system didn't issue free night award automatically. I've tried to reach out visa XXXX but didn't hear back for over a week. Please kindly advise.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding Under the Fair Credit Reporting Act ( FCRA ), Section 16810 of Title 15 of the U.S. Code outlines the procedures and penalties related to willful noncompliance by credit reporting agencies.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate these discrepancies and provide a resolution within the required 30-day period. Please also provide me with a copy of any documents or evidence used to validate the information, if applicable.

Please note that under Section 16810 of the FCRA, failure to correct or delete inaccurate information after your investigation could result in penalties for willful noncompliance.

I request that the disputed information be corrected or removed from my credit report at your earliest convenience.

Kindly notify me of your findings in writing and provide an updated copy of my credit report upon completion of your investigation.

Thank you for your prompt attention to this matter.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is Debt Recovery Solutions XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, Debt Recovery Solutions failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) Debt Recovery Solutions failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation Debt Recovery Solutions is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where Debt Recovery Solutions is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. Debt Recovery Solutions has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Student loan

Received a phone call today on XXXX XXXX XXXX. This company called XXXX XXXX XXXX, offered a consolidation of my loans. The called originated from New York. They were trying to solicit FSA ID which I did not give. Also try asked for my name, amount of debt, and zipcode which I gave. They later transferred me to another individual and claim to be affiliated with the Department of Education. Once I was transferred the call abrupt ended and the caller end the phone call.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed an inquiries that I did not authorize. The inquiries, listed, appears to be fraudulent and I have no knowledge of any transaction or relationship with this company. I believe this to be a case of identity theft Inquiries are XXXX XXXX reported date XX/XX/year> XXXX XXXX  reported date XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Last nigth around XXXX XXXX i get a email with a alert that some one try to open a Kohls/capone store charge card, so i call the company and they transfer my call 7 time, because of this, low service not helping at all people information, i call the Corporate Department, now here they transfer my call to another office ware no one can pick the phone. Some one steel my information in XXXX, ... .and i report this to credit credit bureaus..nut i also need some paper work from Kohls.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received notice that a negative collection was furnished on my credit report without permissible rights. XXXX XXXX XXXX has violated my rights under US Code 1681a, and have failed to establish evidence of a contract based upon validation of account being reported. Failure to validate said debt is in violation under FCRA law, but also under Truth and Lending.

Remove this account immediately!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : XXXX  XXXX XXXX {$830.00}. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately
Product: Debt collection

Did not disclose communication was an attempt to collect a debt Not enough information to verify debt i.e. amount of debt & name of creditor Did not receive notice of right to dispute assignment fraud was to the servicer assignment fraud was challenge in 2012 upon discovery they dismiss the case of fraud assignment was prepared by co-conspirator XXXX XXXX, PC, and debt collector XXXX XXXX, Na ( XXXX ) XXXX, XXXX XXXX ) without document of true fact of who the owner note, or mortgages are .lack of transparency and fraud activities
Product: Debt collection

Attempted to clear up inaccurrate charges for an apartment my daughter rented and I cosigned. The rep ( XXXX XXXX ) attempted to scare me by saying I better get a good lawyer and hang up on me. Their charges include renter 's insurane coverage for an apartment that my daughter did not have access to because she moved out. The charges also include rent for months after she vacated and a {$5.00} a day late charge. I requested a history on the apartment because legally we are not responsible for an apartment after it was leased. Made contact with the apartment community manager XXXX XXXX ( XXXX ) XXXX she acknowledges that we are not responsible for the charges after someone moved in. I've disputed the collection with credit reporting agency and National Credit refuses to correct the charges. They are trying to rip people off.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XX/XX/2024 - - Inquiry In Dispute XX/XX/XXXX Inquiry In Dispute XXXXXX/XX/XXXXInquiry In Dispute XX/XX/XXXX XXXX XX/XX/2024 - - Inquiry In Dispute XX/XX/XXXX Inquiry In Dispute has violated my rights. 

I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Mortgage

I have request NJ Lenders to respond with a copy of where the {$130000.00} went and who deposited the {$130000.00} that I have been PAYING BACK FOR OVER 8 YEARS. NJ Lenders own Note and Mortgage documents state that I received the {$130000.00} loan. I have not received the loan was not used to pay off my existing mortgage because both NJ Lenders and XXXX XXXX XXXX XXXX have no record of money changing hands. The mortgage stamped " Cancelled of Record '' does NOT indicate that the mortgage was SATISFIED and there is NO RELEASE OF LIEN, NO DISCHARGE OF TITLE AND NO ONE WHO WILL BUY A $ XXXX+ HOUSE THAT DOES NOT HAVE TITLE INSURANCE. This should not be a problem for NJ Lenders to send the proof of payment. 
Please request NJ Lenders to reply with the proof of where the {$130000.00} went. I have my monthly mortgage payments for over 8 YEARS and have made monthly mortgage payments and PAID BACK to NJ Lenders and NJ Lenders will not confirm who deposited the {$130000.00} payment. Please review the attachment that shows the cancelled checks from the original purchase and the first 10 % deposit along with the closing costs. Another problem has surface because EIGHT different Mortgage Identification Numbers appear when XXXX XXXX XXXX, XXXX XXXX is looked up on XXXX XXXX FOUR OF THE MIN 's are ACTIVE. The XXXX XXXX MIN on the bottom of the page has NJ Lenders XXXX  ID of XXXX but is listed as XXXX XXXX  this came up on the report as FALSE. I entered the MIN and XXXX Loan numbers of the form because the documents that were filed BLACKED OUT the information in an apparent attempt to conceal the information.
Product: Mortgage

In XXXX XXXX processed a home equity loan in the amount of {$60000.00} without my knowing it. I was married at the time and did not know anything about the home equity until it was discovered I XXXX. This disclosure ended in divorce and me having to refinance my home to incorporate this debt. However, my ex would not tell me how this {$60000.00} incurred. A few months ago, I found the documents in a lock box. My name was blatantly forged on all documents submitted to the bank and the {$60000.00} check was made payable to my ex only. I want to know how this happened. I never knew about it.
Product: Mortgage

I made a payment to Ditech XXXX, 2019. 

When XX/XX/XXXX's payment was due, I couldn't make it online because it said I owed XXXX. I called and spoke to a Ditech representative who stated that they were doing computer upgrades and it will reflect soon. 

Same with XXXX. Same with XXXX I called in XXXX after emailing them NUMEROUS times and was told they had NO record of my XXXX payment. I immediately faxed the confirmation they EMAILED to me in XXXX and and a copy of my bank statement showing the payment coming out. 

I received notice in XXXX that they received my letter that I sent to them and it would take 30 days to complete the review. In XXXX I received another letter that it would take another 30 days. TODAY I received ANOTHER letter that it would take ANOTHER 30 days AND letter that foreclosure proceedings were started. 

It should NOT take 90 days to SEE that I made the payment and their system is XXXX  up! 

I am attaching to you the confirmation from DITECH that my payment was made AND showing it coming out of my bank account. 

THIS NEEDS TO BE THIS NEEDS TO BE CLEARED UP IMMEDIATELY!! I have NEVER MISSED a payment with Ditech since they had my loan with them!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax website sent me security code on XX/XX/XXXX. I signed up. I tried to log in today XX/XX/XXXX. Now I get " We are temporarily unable to complete this request. Please try again later. '' every time I try to log in. I tried several times, and the website never works.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXXXXXX XXXX XXXX account on my credit report that is showing numerous lates. this account was never late, and was paid off in XXXX of 2012! This account does not appear on any other credit report. I have disputed it, but it now appears as paid with many lates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX/Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Citicards/citibank. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Citicard/Citibank. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Citicards/Citibank. 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

Received an investigative report from Transunion dated XX/XX/XXXX file number XXXX that the item of bankruptcy by the XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX Texas was deleted from my credit report. To this date the item still appears on my credit report. I have a copy of the Transunion final investigative report. I am still filing disputes with Transunion to honor their report but to no avail. Believe that they want to punish me. I explained & provided Transunion a copy of Court Order dismissing the item. I never participated in bankruptcy proceedings not a single payment was ever made. Court dismissed the case. 

XXXX deleted the report on XX/XX/XXXX after I filed a dispute. I have filed disputes monthly with XXXX who refuses to delete the item.
Product: Debt collection

Midland funding LLC garnished my wages at XXXX XXXX  on XX/XX/XXXX for outstanding credit card debt. The initial small claims was dated XX/XX/XXXX. Also it was documented that XXXX XXXX my fianc was served with papers on behalf of me. He was a boyfriend. I would think they would need to serve the defendant in question not another person? Also that it was served by the XXXX XXXX XXXX XXXX. I lived in XXXX XXXX at the time. Also that it had been over 2 years in duration since the initial filing. I was not aware I could have my wages garnished for CC debt? Also what cost XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

The beginning of this year on XX/XX/year> I needed to take out a personal loan to pay off my car because I was trying to pay off the equity on my car to sell it to a company called XXXX and I needed {$18000.00}. I found out about Upstart to take out a personal loan right away but unfortunately XXXX took my money and never pay off the car or anything. I am stuck paying off this loan that this company just stole my money. I need help to take off this loan, I am unable to pay this loan.
Product: Debt collection

I had a debt owed to a XXXX office resulting from some amount not paid by my insurance carrier associated with the procedures by this XXXX office during my visit. I was never notified of any amount due ( {$65.00} ) by the XXXX office. Instead, they sent the amount due to their collection agency AMCOL Systems Inc. So the first notice I received of owing any amount was from this collection agency threatening to report the unpaid item to my credit bureau if I did not paid the debt or dispute the debt within 30 days. I did not have any opportunity to see the details and an explanation of the amount due from XXXX before being contact by a collection agency. 
I called AMCOL Systems and explained that I had not had any previous notice of any debt from XXXX and they stated they knew nothing about the collection practices of XXXX associated with prior notice. They simply stated that the debt had been turned over to them for collection and I would need to pay them. 
I strongly believe that XXXX is maintaining a policy of not providing any follow-up notice to patients of a debt owed as a result of an amount not paid by the insurance carrier but is utllizing the practice of just turning over any amounts due from patient visits directly to AMCOL Systems for collection and paying their fee for the collection services. 
I consider this practice to be very inappropriate, unfair and XXXX to patients, like myself, who always pay valid debts in a timely manner and have a very high credit rating. 
Allowing a collection service to threaten impacting my credit rating when I have not been given any prior invoice with details of the amounts owed to XXXX needs to be stopped. I would have gladly paid XXXX directly had I been sent details of the amount owed directly from XXXX.
Product: Credit reporting

Tried unsuccessfully to give a creditor temporary access to an Experian credit record on which a freeze had been place. 

- The " PIN '' printed in the letter sent to me by Experian when I put a freeze on my credit is NOT the PIN but rather it is the exact same number as the report number, only with XXXX leading XXXX added. 
- The " PIN '' listed in that letter is XXXX digits long, while their on-line system will only accept XXXX digits. 
- The telephone system seemed to take the XXXX digit " PIN '' and indicated that the freeze wold be lifted for the time period I specified, except I was never asked for a time period and never specified one. 
- There is apparently no way to contact any person to help clear this up. 
- The email address Experian provides to contact customer support ( XXXXXXXXXXXX ) is rejected ( failed delivery ) How is someone supposed to deal with a company that is so monumentally screwed up? How do I transact any business with Experian?
Product: Debt collection

Jefferson Capital is claiming I owe XXXX and has continued to put a collection on my credit report. I do not owe this money and have disputed it multiple times with the credit bureaus and calling Jefferson Capital.