23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX  Re : Second Dispute for Inaccurate Information Request for Immediate Deletion Account Name : Firstpoint Collection Resolution Account Number : XXXX Date of Original XXXX Dear XXXX, I am writing to follow up on my previous letter dated XXXX, in which I requested validation of the collection account listed on my credit report with your bureau. I have yet to receive a satisfactory response or proof of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). As per my initial request, I sought validation of this debt, including documentation such as my signature or a contract to verify its legitimacy. To date, no such verification has been provided. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported on my credit file is accurate, verifiable, and complete. As the debt in question has not been properly validated, I assert that it is inaccurate and unverifiable. 
Additionally, Section 809 of the FDCPA mandates that a debt collector must validate a debt when requested by the consumer, and failure to do so results in the debt being considered invalid. Since no proper validation has been provided, this debt should be removed from my credit report. 
Therefore, I request the immediate deletion of this collection account from my credit report. Failure to comply with this request will leave me no choice but to pursue legal action under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which can lead to significant penalties for non-compliance. 
Please update me on the status of this dispute within 30 days, as required by law. If this account is not deleted, I will consider taking further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse. 
Thank you for your prompt attention to this matter. I expect a resolution in accordance with the law. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have always been on time with my payments, never have been late on any accounts ever, my credit shows that. this is an error on the creditor or the reporting agency. futhermore. 

15 U.S. Code 1681e - Compliance procedures states 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. Which means everything on my profile should be as accurate from bureau to bureau. These consumer reporting agency have not thoroughly investigated and make sure there information is correct. 

I only shows on experian. This law states that everything must match up. And it obviously doesnt. 

I have uploaded a copy of my credit report that shows this for XXXX XXXX XXXX XXXX XXXX XXXX limit {$11000.00} date opened XX/XX/2021
Product: Credit reporting or other personal consumer reports

XXXX, CoreLogic, XXXX, XXXX XXXX XXXX. Are all in violation title 42 section 408 ( a ) ( 8 ). I have never heard of these reporting agencies yet they make inaccurate reports involving my social security number publicly. They deliberately act as a cabal to keep consumers in debt by reporting old and inaccurate reports. I had no knowledge of these reporting agencies were violating title 18 section 242 color of law
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion said they would take care of problem if i identify which ones im having problem with XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( XXXX and travel ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Retailer ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX Retailer ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX this is list of problems i asked you to provide proof i was offered a card for each one thanks
Product: Consumer Loan

On XX/XX/2015 I purchased a XXXX Mini Cooper, VIN XXXX, from XXXX XXXX in XXXX, CA, which was financed through Lobel Financial. On XX/XX/2015, XXXX XXXX received a letter from Lobel Financial stating that the XXXX Mini Cooper was a Manufacturer Buyback and to please remit payment in the amount of {$7500.00} immediately. 
On XX/XX/2015 I received an email from XXXX XXXX stating that the car was a Manufacturer Buyback and that I had XXXX options. First option ; I could swap the cars and get the same loan with all of the same numbers or, option two ; bring the car back and he would cancel out the contract. On XX/XX/2015 I chose to bring the car back and cancel out the contract. XXXX XXXX returned to me the deposit of {$2000.00} and the {$500.00} towards the cost of the DMV paperwork. First check was n't good. Money returned did not include XXXX months of payments I made to Lobel Financial or the {$410.00} I put into the car in repairs. 
I have included all necessary documentation to show that the contract has been cancelled due to the car being a Manufacturer Buyback and that I am no longer in possession of the XXXX Mini Cooper in question. 
Lobel Financial refuses to take my name off of the loan until XXXX XXXX repurchases the car. Lobel Financial also refuses to return any payments made on the Mini Cooper.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX -XX/XX/XXXXXXXX -Inquires XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX I looked at my XXXX credit report on ( XX/XX/year>2025 ) and noticed some things are incomplete and not accurate. 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 supposed to do this ( 5 ) Treatment of Inaccurate or unverifiable information. 
( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of 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 result 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. 

According to 15 USC 1681s-2 they are supposed 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

My mother 's home that is in a reverse mortgage caught fire in the kitchen. The home suffered smoke damage throughout ... There are two issues : 1. The contractor has not been paid by Reverse Mortgage Solutions , Inc . They are holding a check for over {$29000.00}. The check has been held for months. Obviously the contractor needs this and all future payments due immediately upon disbursement. 
2. The insurance adjuster representing the Mortgage company did not include all work needed to make the home livable again. The adjuster needs to return and accurately assess all damage so the insurance company will pay for completed work.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I'm sending this complaint without any help from any XXXX XXXX XXXX and my request for the correction and removal of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00}
Product: Credit reporting or other personal consumer reports

I Disputed Inaccurate and incomplete Reporting of Account Information to Experian and XXXX disputing the inaccurate information on my credit report that pertains to my account with [ XXXX XXXX, ACCOUNT NUMBER XXXX ]. After reviewing my consumer credit file with my home loan officer I have found that my account is not being reported accurately, and this misinformation is negatively affecting my creditworthiness. 
The following discrepancies have been identified : the account doesn't show up on 2 of my consumer credit reports and These inaccuracies are causing significant harm to my credit score and ability to secure favorable terms or funding in my home buying process, in fact it present a distorted picture of my financial responsibility. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am entitled to have all information contained in my credit report be accurate and verifiable. Furthermore, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies must maintain procedures to ensure that the information they report is as accurate as possible. By failing to accurately report my account, the credit bureau is in violation of these provisions of the FCRA. 

Additionally, under 15 U.S.C. 1681s-2 ( a ), data furnishers ( Experian and XXXX ) are required by Law to provide accurate information on my consumer credit report and If there is an error in the reporting of the account as seen in the attached file, the credit bureau has the obligation to correct this discrepancy.
Product: Credit card or prepaid card

I was XXXX  in XXXX with XXXX a form of XXXX  XXXX. I was then laid off due to the pandemic. Kolhs has shut down store and I am locked out of my online account I was physically unable to make a payment. They have reported to the credit bureaus and have no financial relief to the pandemic. They are requesting a payment immediately.i have no income!
Product: Debt collection

Credit bureau is reporting inaccurate information on my credit report. I have no contract with this credit at all. The creditor is trying to collect on a debt that has already been paid to the original creditor by my insurance company. The creditor can not provide any verification to me having a valid debt with their company. Also reporting is a collection that I have no contract with this credit in the medical field.
Product: Credit reporting or other personal consumer reports

I called experian approx 2 months ago regarding an for student loan which are in collections. I noticed years of data ( XXXX ) missing and reporting as no data found. Recently checked again to see the account balance updated and balance changed. There was no proof of verification, correction/ addition of missing data. This a blatant violation of fair credit reporting act. 16us code 1692 g. 
This is ununfair, inaccurate and fraudulent.
Product: Student loan

Interested has been incorrectly accruing while on SAVE plan forbearance and is now over {$1000.00} despite interest having to be {$0.00} on this repayment plan.
Product: Debt collection

On XX/XX/2021, this collections account was added to my credit report. I was not ever notified by ASSETCARE , LLC. This just appeared on my credit file in the amount of XXXX. The account listed is XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Assetcare LLC did not verify this debt but instead just put it on my credit report. This is clearly an abuse of collections tactics. This is not my debt. I don't have or have had any business with this company in the past or currently. This has a severe negative affect on me as a consumer and is in violation of the fair credit reporting act. This company failed to validate this debt and put this item listed above on my credit report which is causing me extreme financial hardship. I demand that this negative information be deleted immediately from on my credit file with all 3 major credit reporting agencies not to resurface on my credit file again.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXXXXXX Balance : {$280.00XXXX XXXX XXXX XXXXBalance : {$660.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to obtain a recent credit report from XXXX and the information provided is erroneous and misleading. I have responded to XXXX  about the situation ; XXXX  has done NOTHING to resolve the errors and misinformation.
Product: Money transfer, virtual currency, or money service

Paypal limited my account last XXXX. It was supposed to be released after XXXX  days. That was in XX/XX/2021. They then stated it would be available in XX/XX/2021, to which it still was not. I'm very extremely frustrated at this point. They've held {$10000.00} for a year. This is breach of contract and I want and desperately need my money.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B says we must take away wrong accounts from my credit report. Can you check the papers? Some accounts listed have wrong info about what's reported, like wrong amounts and dates.
Product: Credit reporting or other personal consumer reports

XXXX, Capitol One did a *Hard Inquiry '' on my credit and it was supposed to be a soft inquiry not effecting my credit score but it did. 
I went online to file a complaint with XXXX and you can not do it there you must call I did and the automated system refuses to allow you to speak with a live person. 
The options i needed to dispute wasn't available so it kept pushing me back into the main menu. 
This happened over and over again. 
I am frustrated Capitol One sent me a " Pre-approval with confirmation number for a XXXX XXXX XXXX then said a soft inquiry would be done.. 
Not only was i not pre-approved but it wasn't a soft inquiry im now dropped points for a scam.
Product: Debt collection

On XX/XX/XXXX I filed a complaint against Account from XXXX XXXX XXXX for placing what I believed was a fraudulent account on my credit reports for XXXX XXXX XXXX XXXX XXXX. I noted that my health insurance covers 100 % of my medical expenses. I tagged the account as account is fraud. 

XXXX XXXX XXXX REPLIED IDENTIFYING THE ACCOUNT HOLDER as XXXX AND CLAIMED IN THEIR RESPONSE THAT MY INSURANCE COMPANY DID NOT PAY THIS BILL. 

XXXX XXXX XXXX provided inaccurate and false information in their reply to my CFPB complaint. 

My insurance company DID IN FACT pay the {$36.00} on XX/XX/XXXX. SEE ATTACHED EOB.
Product: Credit card or prepaid card

XX/XX/2023 - I went to Lowes to buy fencing. I see advertising for their store card saying 20 % off your first order on your Lowes credit card. So I decide to go home so that I can unfreeze my credit in order to apply for the card. I apply for the card and all it says is 20 % off your order. I am immediately approved for the card. I put all the items into my cart and check out using the discount code emailed to me. The email is my temporary card details and says in big font 20 % off. Nowhere on the email does it say there is a limit on the discount of {$100.00}. The limit of {$100.00} was not made expressly clear anywhere throughout the process. 

Had I have known there was a limit of {$100.00} I would never have opened the card or used it to pay for the items. I would have used one of my other credit cards that has actual benefits and points. This now means I opened up a credit card I did not want, was not advantageous and has falsely advertised the benefits meaning I missed out on really benefits of a card I already own. 

XXXX  - I called Lowes credit to complain about this on receipt of my items and seeing that I was charged the full price less {$100.00}. They told me that the only thing I could do is drive to the store that the items were ordered from ( quite far away ) and see if they could possibly refund me the whole amount so that I could pay on another preferred card. I call Lowes customer service and they said it was unlikely that this is actually possible as the order has been already fulfilled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto loan. Is Not reporting correct amount pending. Pending balance reporting to the 3 Bureaus XXXX, XXXX, XXXX  is not current.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and noticed that you were reporting against the FCRA standards. How can I possibly owe two balances to two different companies for one account. Please explain to me how I owe this same alleged debt to two companies. It seems to me as if you are unclear yourself otherwise you wouldn't be reporting these erroneous accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Exeter financial did not process my payment for my car. They repossessed my car and informed me I was financed for XXXX down and I put {$7500.00} down on my vehicle
Product: Credit reporting or other personal consumer reports

My attorney filed a chapter 13 bankruptcy and experian and credit karma keeps allowing the same collections agency 's to keep reporting collections on my account even though there is an automatic stay. In addition they keep allowing companies to report incorrect balances and refuse to remove them off my account. For example it even shows on my report that I have an active chapter 13 and they allowing the same collection companies to report debt that's included in my chapter 13 and refuse to remove it and it's caused my score go down over 150 Points
Product: Credit reporting or other personal consumer reports

To whom it my concern, I am writing to update/correct my personal information on file with your company.

Please Update my address : XXXX XXXX XXXX XXXX XXXX, AR XXXX Please update my name : XXXX XXXX XXXX My only social security number is : XXXX My only correct date of birth is : XXXX My only employer is : XXXX XXXX XXXX XXXX do not wish to have any telephone number on my report. Please remove all the other addresses off my report as they are not deliverable to me by the U.S. post office and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX
Product: Payday loan

Yesterday, I checked my credit score with Experian and noticed a company, XXXX XXXX XXXX, had been added. I confirmed that it had been added to all XXXX reporting agencies. I am assuming this has to do with payday loans I have had in the past. I can confirm that every XXXX of those loans were paid back in full. 
My credit score has taken a tumble because of this and I need this company to remove their inquiry from my report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, XXXX  XXXX, Equifax, XXXX XXXX, XXXX credit card, XXXX, XXXX all continue to report on my credit bureaus I have constantly sent in numerous disputes and affidavits asking to verify and delete of accounts I've sent in a police report they have deleted the accounts and then they reappear back on to my credit bureaus I have contact these companies CFO and Underwriters to speak to about the debt that they are claiming they're trying to receive but they state that they are not the ones reporting that is the credit bureaus that continue to report. Hard inquiries continue to be inquiried, accounts reappear as if they're new accounts, negative reports of closed, under the FDCA and in GOOD FAITH asking to be deleted. I have sent in police reports I've sent in affidavits and the accounts are already closed they're reporting is damaging my. PRESENT & FUTURE I am not able to get business credit, personal credit, Loans, a Mortgage so to be a productive citizen I need revenue and without credit there's no Revenue this is detrimental to my livelihood mental stability and physical wellbeing.
Product: Credit reporting or other personal consumer reports

the Bankruptcy listed on my credit report is not accurate and does not belong to me.
Product: Credit card

Dear Citi/Best Buy Bank, I am submitting a claim on my credit card because I have been scammed. I was lead to believe they were going to try to help me with a Federal Grant. I was going to try to help out my sister because she has been out of work for several months, help my son get on his feet with a business, to look into getting solar panels to help on our electric bill, and help pay on my credit cards because I been helping my son and daughter out. This company has pulled funds with the following information and date : XX/XX/2016 XXXX XXXX {$3000.00} Please reverse these charges as I do not except these charges. Please Help Me.
Product: Money transfer, virtual currency, or money service

This complaint is in regards to Binance US. They are a cryptocurrency  exchange. They were supposed to require you to register your personal information to use their exchange. They allowed all of their customers to buy and sell cryptocurrency without being verified, until recently. They are now requiring you to be verified to sell any of your holdings, even though they allowed you to buy them without being verified. When you attempt to verify your account, it takes several weeks to be verified. A lot of people are in the same position.. They let customers put money in, but are refusing to let them take money out at their convenience. There's no good reason it should take weeks to verify your account. They have next to 0 customer support and there's nobody to contact to get your account verified quicker. It's irresponsible and should be illegal.