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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt or credit management

XX/XX/year> I received a phone call from a XXXX, Connecticut phone number not able to receive calls. I received a call from XXXX XXXX, Florida which is XXXX, Customer Service XXXX is XXXX and email is XXXX. 
Phone number to give to creditors from legal group of Cordoba is XXXX. They have scammed lot of people with frivolous documentation they have only been around for 5 years and claim on the phone been there for 20 years in legal services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2020 I have been in a constant resistance from the credit bureaus and collection agencies involving none responses from disputes stemming from myself who has been a victim of identity fraud. FTC report # XXXX and report # XXXX included specific, detailed, information regarding fraudulent related accounts appearing on my credit report. I have not received any correspondence in regards to claim and it has been well over 30 days. There are several fraud related collection accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Professional Credit XXXX, XXXX XXXX XXXX ) that are appearing randomly on my credit report without me have receiving any INITIAL 5 DAY NOTICE of a collector obtaining a debt. These accounts were not listed on my credit report in XXXX XXXX XXXX  and but yet are appearing on my report to this day. In addition XXXX XXXX XXXX XXXX has not removed the FRAUDULENT ADDRESSES from my credit file as per requested either which is a deliberate refusal to honor a consumers request. are some of the accounts that were opened due to identity fraud that still remain on my credit file. Under the Fair Debt Collection Practice Act ( 1692g ( a ), Fair Credit Reporting Act and Fair and Accurate Credit Transactions Act per sections 605b, 609, 611, & 623 my rights have been violated. I am familiar with the law due to my own research so accusing me of using a credit repair company is unjust and won't hold up in court. Your data furnisher or metro 2 verification system only uses general information in formats of codes ( name, social, date of birth, address ) meaning any individual with access to that information would be able to pretend that they are me and easily commit identity fraud. Since XXXX, XXXX, and XXXX  has all violated my rights and I have specific proof, I've given them the opportunity to remove these accounts or my information will be forwarded to a consumer attorney for legal proceedings.
Product: Debt or credit management

I was seeking credit repair and I was being charged a monthly fee, which I faithfully paid. But my credit was never fix.
Product: Credit card or prepaid card

I filed a claim about a little over a month ago. When I initially opened up the claim Bank of America claim specialist said IT WILL BE A FULL INVESTIGATION that they would pull the ATM footage and compare with my drivers license photo and asked me well Ill be willing to prosecute the person who stole my money I said yes. Every ATM withdrawal was not me and I stand firm on that. THEY JUST CLOSED THE CLAIM AND SAID THEY NEVER PULLED THE ATM FOOTAGE. THIS IS UNFAIR AND UNLAWFUL ACCORDING TO THE TERMS AND CONDITIONS AND THERE Commercial Prepaid Card Account Agreement : 14. Bank of Americas Zero Liability Policy for Unauthorized Transactions. I NEED MY MONEY BACK.
Product: Debt collection

I am being told that I had a home phone through att and that the bill was paid religiously on time every month. well for one if the bill was paid every month how is there a amount owed. and how do i have a bill when i never had att. I have had cell phones for the better part of 10 years through XXXX and the only home phone i ever had was through XXXX. also on my credit it states that the account is closed but another area says it is open. I want this off my account asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need you to investigate the following account Account # XXXX Account Name : XXXX XXXX I request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( XXXX ). 
Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported Once you have finished your investigations, send me an updated credit report to the address stated above, Thank you.
Product: Student loan

I am the co-signer on my daughters  Sallie Mae loans. M y daughter stopped making her payment in   XXXX   XXXX   XXXX    . Her loan is currently in default. Since that time I have had several phone conversations with representatives a t Sallie Mae abou t the situation. My daughter has been out of communication with me for over 2 years. I do not know about her work situation or how to contact her. I have provide  Sallie Mae the most current information I h ave on her. In   XXXX   I was told by a  Sallie Mae supervisor that they would use the resources at their disposal to connect with her. I explained that   I could not pay what they were asking as I am already paying another private Student Loan of hers which is {$720.00} per month. I ca n't afford anything more. They needed to find her and figure this out with her. In   XXXX   I spoke with  Sallie Mae agai n and provided an address and phone number for a he place of employment based on her LinkedIn profile. In   XXXX   when I spoke with  Sallie Mae aga in they informed me that they had not tried to find or reach out to her but needed me to pay. I do not understand why with the resources at their disposal they have no accountability to track her down and fit out what her ability to pay is? I was very disappointed that they did nothing with the information I provided them to find her and provided no solution for me. Since this is a  Federal lo an do n't they have an obligation to at the very least provide solutions for the borrow and to do that need to find a way to be in communication with her? It does n't appear to me that they are doing the jobs they are being paid to do. Instead they call me constantly at work, home and on my cell and offer nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXXXXXX XXXX XXXX .... Balance : {$8500.00} ; XXXX XXXX XXXX XXXX XXXX. Balance : {$290.00} ; XXXX XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXX WY XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an unfamiliar account that was reporting as inaccurate and incomplete with all three CRAs on XX/XX/2021 siding that the account was unfamiliar to me and ask them to investigate the account to verify that the account was indeed mine. That intern provided no resolution only a simple one line response from only Experian saying that the account was verified but no documentation or explanation of how it was verified, which I did request. 

I received no response from XXXX  or XXXX XXXX whatsoever. 

On XX/XX/2021 I filed a second dispute with all three CRAs And again informing them that there was an account that was reporting in accurate and complete. This time I submitted documentation explaining and highlighting all of the errors that I found on my most recent credit report regarding this account, which were several. Nearly every element was inconsistent across the three bureaus. The amount owed, date the account was opened, date the account was closed, last reporting date, last payment date, literally everything regarding that account was inconsistent as well as many things that were missing from the report making it clearly incomplete. Because of this I asked to have a thorough a complete investigation on the account and provide me with their findings, and ask them to include who they contacted, what method to use to verify this information, etc. I also notified them of their obligations under the FCRA, that everything contained in the report must be complete and accurate. 

In response, this is what I received from each bureau. 

From Experian I received what appears to be a standard form letter saying that they had already looked into the account ( from my first dispute ) and it came back as verified, although they did not provide any information or documentation on how that was determined, and informed me that they would not be closing the account. They also informed me that I would need to provide documentation as to why I am challenging the account, which I clearly did. Which leads me to believe that they did not do an investigation at all, But instead just used the information from the original dispute and deem that it was verified. Which does not constitute a reasonable investigation as required. 

From XXXX  I received no response to the first dispute, to the second dispute one of the accounts I was disputing was removed, the other, which was only reporting on XXXX, was not removed. I received only one line response in regards to the Account that was not deleted siding that it was verified with no explanation or documentation.

From XXXX XXXX I received nothing in response to my first or second dispute on the matter. All of these disputes were six certified mail so I know that they were received. They are now noncompliant of it the requirement to respond within 30 days not once but twice.
Product: Money transfer, virtual currency, or money service

At XXXX on XXXX XXXX, XXXX, I initiated an ACH withdrawal of funds ( {$680.00} ) from my XXXXCoinbase account to XXXX XXXX . Previous similar transfers had always arrived within 4 business days, as stated in the XXXX/Coinbase terms. In fact, most had arrived sooner, within 1-2 days. This transfer, however, never arrived at my bank account. It has now been 12 days. The status of the transfer is indicated on the Coinbase website and the XXXX website as " Complete, '' and has been indicated as " Complete '' since at least XXXX XXXX, but the funds have not arrived at my bank.
Product: Debt collection

I INFORMED MACY 'S THAT I AM UNEMPLOYED AND ACTIVELY SEEKING EMPLOYMENT AND DO INTEND ON SETTLING THIS DEBT ASAP. I HAVE ASKED THEM TO DISCONTINUE THEIR REPEATED MULTIPLE CALLS ( AT LEAST 7 TIMES A DAY ). 

MACY 'S STILL PERSIST ON CALLING AT LEAST 3/4 TIMES DAILY. 

I HAVE A PROBLEM WITH XXXX AND AM A SENIOR CITIZEN AND THEIR REPEATED INTENTIONAL HARASSMENT CAUSESGREAT HARM TO MY EMOTIONAL WELLBEING!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute against an account on my consumer report. The consumer reporting agency responds that the account was verified. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Pursuant 15 USC 1681a ( e ) : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
If you verified this debt, I would like to know who did you speak with? Who did you interview along with their names and addresses? Name of neighbors and/or friends you spoke with? Please provide all factual and detailed descriptions with this exact information. The consumer reporting agency failed to comply with this request and continues reporting inaccurate information. 

Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I applied with   XXXX   XXXX   whom use Corelogic to do background checks however I was denied due to too many tenant cases filed which was rectified by my bankruptcy attorney however with this company they keep reporting incorrect information which is preventing from getting a few apartments that I want. As result can this company be investigated for poor reporting practices ... I am sure I am not the only person whom have been defamed by this company is it possible to file a class action lawsuit?
Product: Credit reporting or other personal consumer reports

I am submitting a follow-up complaint to inform you of my unfortunate experience as a victim of identity theft. In accordance with FCRA Section 605b, Credit Reporting Agencies are required to expunge any items listed on an identity theft report, specifically under my reference # XXXX. Enclosed are the documents intended to facilitate the removal of inaccurate information and inquiries currently being reported on my credit files. The following is a list of inquiries and inaccurate addresses that neither belong to me nor were opened with my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to remove any items in the file of a consumer identified as information resulting from alleged identity theft not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus transunion, XXXX and XXXX to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature. Please see attachments for the list of fraudulent ACCOUNTS and INQUIRIES.
Product: Debt collection

On XXXX-18 I sent a letter of validation request to Bonneville Collections. In my letter of validation I specified that it should be in accordance with the FCRA ( an original consumer contract with my signature ). 

On XXXX-18 I received a response from Bonneville Collections which only included an itemized statement of services and charges of {$810.00} which they obtained from the original creditor XXXX XXXX. No contract with my signature was ever sent to me. 

As a result of medical procedures being listed on this statement, not only was this not proper verification but also a clear violation of my HIPPA rights.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2021, pay pal fraudulent charge on my account for XXXX dollars to a party XXXX XXXX, do not know this person. Contacted pay pal and was advised this charge was not unauthorized. This is in spite of the fact that there were numerous other attempts by this individual to collect money from my account in amounts of XXXX to XXXX dollars that my bank denied. PayPal investigators apparently don't find it suspicious that one person would receive this many transactions days apart in total amounts over XXXX from one account. It should also be noted I hardly ever use this account and it had been over a year since I used it last. This should also be suspicious. Pay pal is aiding and abetting obvious fraud to protect their reputation and assets at the expense of consumers
Product: Mortgage

my pmi fee on my mortgage should have been stopped but the mortgage company says no. I paid {$510.00} for there appraisal to look at the house .The value of the house they came up with is outrageous .They said the house is worth XXXX. I paid XXXX five years ago so they said my house decreased in five years. The city says the house is at {$350000.00} that is what i am paying taxes on .The same exact house as mine is in closing for {$380000.00}. When there compared other one bed room houses in the area they used a small development about a mile away with is a less desirable area called XXXX XXXX  The houses there are built right on top of each other and not as well built.
Product: Credit card

I am writing to formally complain about Bank of America 's negligent practices, which have caused unwarranted damage to my credit report and the only derogatory mark I've ever received. Despite multiple efforts to resolve directly, the issue remains unresolved. 

I previously held a Bank of America checking account as well as a Bank of America credit card. I had enrolled my Bank of America credit card to autopay from a XXXX checking account, and had configured notifications to alert me of payment activities. Later I had closed my Bank of America checking account as I no longer used it, a decision unrelated to my Bank of America credit card. 

Unbeknownst to me, without proper notification, Bank of America switched my account type, and cancelled my credit card autopay setupwhich was tied to a XXXX account, not the closed account. Additionally, Bank of America removed my notification preferences, leaving me completely unaware that my credit card payments were not being processed. 

I discovered the issue only after viewing my credit report. 

I've paid the bill since, and contacted Bank of America many times to address this & remove the derogatory mark. My case has been repeatedly closed without resolution or explanation. 

This negligent handling is unacceptable. The situation arose due to Bank of America 's own actions : 1- Bank of America had removed my credit card 's autopay configuration after actions to an unrelated checking account, with NO communication 2- Bank of America reset my payment notification settings, with NO communication 3- After Bank of America itself cancelled my autopay and cancelled my notification settings, Bank of America reported a late payment of {$20.00} to the credit bureau, despite the issue completely originating from their end. 

These failures demonstrate severe lack of care and accountability on Bank of Americas part, which has directly harmed my financial standing. This is my ONE and only credit derogatory mark.

I am requesting that Bank of America : 1- REMOVE the derogatory mark from my credit report immediately. 
XXXX Acknowledge and rectify the systemic issues that allowed autopay and notifications to be canceled without notice, after actions taken to an unrelated account.

This issue has caused me unnecessary stress and damage to my financial reputation through no fault of my own. Again, Bank of America cancelled my credit card 's autopay & reset my notification settings after I closed a totally unrelated account with them. I expect prompt resolution.