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

I have incorrect information on my credit file as a result of identity theft:HARD INQUIRIES:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Requested On: Inquiry Type: XX/XX/XXXX, XX/XX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX Requested On: XX/XX/XXXX Inquiry Type: Individual XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Requested On: Inquiry Type: XX/XX/XXXX Individual TRANSUNIONCOLLECTIONS:XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Placed for collection: Responsibility: Account Type: Loan Type: XX/XX/XXXX Balance:Date Updated: Original Amount: Original Creditor: Past Due: XXXX Pay Status:XX/XX/XXXXXXXXXXXX XXXX XXXX  (Medical/Health Care) >XXXX< >In Collection< Individual Account Open Account COLLECTION AGENCY/ATTORNEY Remarks: >PLACED FOR COLLECTION<Estimated month and year that this item will be removed: XX/XX/XXXX -----------------------------------------------------------------------------------------------------------------------XXXXHARD INQUIRIES:XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Inquired onXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX COLLECTIONS:XXXX XXXX Potentially Negative Account Name XXXX XXXX  Balance XXXX Account Number XXXX Balance Updated XX/XX/XXXX Account Type Collection Responsibility IndividualRecent Payment Monthly Payment Original Balance Highest Balance TermsOn Record UntilXXXXXXXX XXXX XXXX 1 Months XX/XX/XXXXXXXX  XXXX XXXX XXXX Collection Responsibility Individual Balance XXXX Account Name Account Number Account Type Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until XX/XX/XXXX XXXX XXXX XXXX XXXX 1 Months XX/XX/XXXX Date Opened Status Status Updated Payment History XX/XX/XXXX Collection account. XXXX past due as of XX/XX/XXXX XX/XX/XXXX -----------------------------------------------------------------------------------------------------------------------TRANSUNIONHARD INQUIRIES:XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX COLLECTIONS:XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX UNPAID Balance DateAccount Designator Code Account Number Creditor Classification Last Payment DateDate of First Delinquency Contact XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX INDIVIDUAL_ACCOUNT XXXX XXXX Medical or Health Care XX/XX/XXXX
Product: Mortgage

I asked for help beginning in XX/XX/XXXX. I finally got help in XX/XX/XXXX after filing complaint with XXXX. I wrote letters explained why I felt they kept asking for bank statement repeatedly. I told them, yet they never paid attention in my writings, or repeated phone calls. I knew they were looking for my checking account no. Which our credit union lists us as a member and doesn't list our acct no. Only our members no I circled where our checking account begins to help them. It's been one battle after another. I don't know who holds our mortgage as they refuse to tell us, and they are mortgage servicers only. They refuse to offer us modification, and offered that our XXXX be paid in balloon by XX/XX/XXXX. I told them if I could afford that then I would've paid the whole time. I'm XXXX and my husband is the only income provider. Finally someone cares enough to tell me they have a page for covid so I went to it, filled it out, and they denied a deferral because we had a previous deferral they claim which I truly can not recall such? So my only option was to pay XXXX more a month for 2 years or we will lose our home. I feel trapped and pushed against the wall. As I wrote the XXXX  just to get someone to finally call and work this out why they kept wanting statement, I told them I feel as though they're wanting to trap us and take our home, I truly feel like that's their true goal. Please what are our options, as we can not afford to pay that extra money each month especially for two years, and I'm not sure why it's so much? Our mortgage is XXXX  month and I'm only 4 months behind? Please help us! Thank you Further, they've written me since my complain stating that it was unfounded which they're wrong. I written, called repeatedly wanting to work out their repeated requests for our bank statement, for which all was ignored! This is what I wrote in my complaints, therefore they're truth! No one ever handled my letters, or my calls properly, it wasn't until I filed when my agent assigned to us called, which I wrote letters directly to him before my complaints! He finally called after I complained and only after! And my letters were valid my reasons were right they were asking for repeated copies because our acct. No. Wasn't listed, after he finally called and listens, he understood this and fixed it all! Sadly, this could've been fixed way way prior to XXXX, but when I first wrote him in XXXX!!!! It's sad, and I feel as though they're placing us against a wall again with wanting a balloon payment, and for wanting XXXX for 4 months behind? I don't get why a deferral is such a big no simply because they claim we've had one, which I truly don't recall, but if so I think it was just a lousy 2 months, if I recall? I have blood clots so my memory isn't the sharpest why I keep all details written, copied, and filed. Either way, please let me know what our options are. XXXX
Product: Credit reporting or other personal consumer reports

I looked at my 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. The account XXXXXXXX XXXX XXXXXXXX Reported to XXXX with an account number of XXXX and also reporting to Experian as a charge off with payment history and through XXXX with no XXXX year payment history reported at all. These accounts are incomplet and inaccurate. 

I mailed out a letter to each of the previously mentioned companies on XX/XX/2024. Its been over 35 days with no response and according to 15USC 1681 i ( 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 sonsumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through the 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.

They also violated these laws And according to 15 USC 1681i 5 they are suppose 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 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 supposed to not furnish any information relating to a consumer or any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Reversal fees and I was not notified about a payment getting reversed, which caused a late payment and a 30 days late report to my credit.
Product: Debt collection

I went to Chase and told them XXXX funding debt from XXXX, was not my debt. I got a letter that said they placed a hold on my account, and then they verified my social security number and Driver 's License, and re-imputed this information into their computer. Then XXXX, bank attendant told me it was not me, so it was cleared. XXXX department said they would take care of it because it was not me. Then we get a new judgment from court allowing them to go after my joint account with XXXX I believe they gave this information to XXXX which is a violation of my privacy, especially since they told me it was not my debt.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital one 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited tech issues which may violate the Electronic Funds Transfer Act as it requires timely access to funds. This situation raises concerns about the consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello To Whom It May Concern, I must admit its very frustrating to have to have large companies just refuse to fix the problem in a such a high handed way. As XXXX, And EXPERIAN are refusing to remove the following public record from my credit report. 
XXXX XXXX Bankruptcy XXXX XXXX : XXXX Ive been disputing this matter since XX/XX/2021. From XXXX 2021 the companies XXXX, and EXPERIAN has claimed the public record, XXXX  XXXX bankruptcy was verified by a company named XXXX. they mentioned I needed to conduct my own investigation., After doing my own investigation from XXXX 2021, XXXX agreed the XXXX XXXX Bankruptcy was not verified and, According to the FCRA law, the Bankruptcy was not verified in a timely matter, and was no longer accurate. It needed to be deleted immediately by all CREDITORS REPORTING THE INACCURATE ACCOUNT. I have provided the companies XXXX, and EXPERIAN over and over with DOCUMENTATION stating the XXXX XXXX bankruptcy is not verified by XXXX, and needs to be deleted, Nor does the Bankruptcy Court report to Credit Bureaus. 

XXXX and EXPERIAN are disregarding my documents from XXXX, and the bankruptcy court. As they are choosing to still report the inaccurate XXXX  XXXX Bankruptcy. Although XXXX has DELETED the inaccurate information. XXXX and Experian are causing deformation of my character as Im unable to get approved for new lines of credit and if approved for credit theres a high interest rate to pay. Ive filed complaint after complaint Im not sure what else to do. Ive been denied employment due to XXXX and EXPERIAN continuing to report a inaccurate XXXX  XXXX Bankruptcy on my credit report. The companies XXXX and EXPERIAN needs to stop giving me and XXXX a hard time disputing the bankruptcy.
Product: Debt collection

On XX/XX/XXXX there was a collection account placed on my credit report from Wakefield & Associates for {$3800.00}. This debt came from XXXX XXXX originally in XXXX after attending school there. XXXX informed I was unable to make payments to XXXX but I would have to wait for the account to go to a collection agency and pay the collections agency. It was sent to XXXX and I set up $ XXXX monthly payments with them. XXXX, XXXX, and XX/XX/XXXX bank statements show the automatic payment coming out of my account. Then it stopped. There was no communication about this. Nothing by phone, email, or mail. They have my correct address on file. And now my credit has suffered drastically because of this account being added as past due when I had no knowledge of it and XXXX failed to inform me of anything.
Product: Mortgage

I submitted an application with Caliber Home Loans ( working with XXXX XXXX and XXXX XXXX ), and was locked into a mortgage at 4.625 %. I 'm buying a condo as an investment property, and they failed to even think about checking the percentage of owner occupied units in the condo complex until a week before I was to close.
On Mon. afternoon ( XX/XX/XXXX ) they dropped the absolute bombshell that I could n't be offered the loan at 4.625 % any longer because the percentage of rentals in that complex was too high ( at 61 % ). So, they moved me into another 'program ' they have ... at a whopping 7 3/4 %!
They should have done this research in the very beginning because I can assure you, I would n't have gone forward with their mortgage. But, to completely pull the rug out from under me within a week of closing ( XX/XX/XXXX ) is absolutely unforgivable ... and ought to be criminal if it 's not. They should have to live with the rate they locked me into!
Sincerely, XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Reinvestigation on data being Incomplete and Inaccurate and violation of FCRA [ 15 U.S.C. 1681i ] To Whom It May Concern : I received a copy of my credit report on XX/XX/XXXX and found the following item is still reporting as inaccurate or incomplete. 

DISPUTE # 1 - FCRA [ 15 U.S.C. 1681i ] Account Name : XXXX Vacation Resorts Account Number : XXXX Dispute : Loan Type : XXXX XXXX  I have never had a timeshare loan where I signed a contract with XXXX XXXX XXXX for a timeshare loan. 
Inaccurate : Date Opened : XX/XX/XXXX DISPUTE # XXXX - ( XXXX ) Duty to provide notice of delinquency of accounts DUTY TO PROVIDE NOTICE OF DELINQUENCY OF ACCOUNTS The person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 
Dispute : Date of Delinquency is MISSING. 


Note : Based on 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Upon completion of this reinvestigation, I am requesting the following ; a. Complete copy of updated credit report b. Notice of Results of Reinvestigation : TransUnion shall provide written notice to me, the consumer of the results of the reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail c. As the consumer I DO NOT AUTHORIZE Transunion you to provide the reinvestigation to me in any other manner except via MAIL.

d. Notice of Results of Reinvestigation : Contents, as part of, or in addition to, the notice under above item ( b ), TransUnion shall provide to me the consumer in writing before the expiration of the 5-day period referred to in above item ( b ) a. a statement that the reinvestigation is completed; b. a consumer report via mail that is based upon the consumers file as that file is revised as a result of the reinvestigation ; c. I am requesting a notice of the description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher.

d. I as the consumer am requesting following any deletion of information which is found to be inaccurate or incomplete and whose accuracy or incomplete can no longer be verified or any notation as to disputed information, the consumer reporting agency shall furnish notification to all companies who received a consumer report with the last six months prior, which contained the deleted or disputed information that the item has been deleted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I recently reviewed my credit report and saw the LVNV funding LLC was reporting a negative count on my credit report I disputed this account through XXXX app but nothing came from it. It only says the Account was updated in the dispute is complete. Pursuant to 15 USC 1681b ( a ) 2 of the Fair credit reporting act it states Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave LVNV funding LLC any written instructions to furnish anything on my credit report this is a violation of the fair credit reporting act. This account should be removed immediately to prevent me from receiving further injury to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested personal contact information that does not belong to me be removed several times from each of the Bureaus and they continue to report inaccurate information on my credit report in direct violation of my consumer rights. I believe it is negatively impacting me because there are accounts reporting that I don't recognize as well. I believe the unfamiliar accounts are reporting as a result of all the incorrect information being housed on my credit reports.
Product: Debt collection

I received a suspicious letter on XX/XX/XXXX dated for XX/XX/XXXX from a company that claims a debt was sold to them.

Didn't receive notice of right to dispute.

* The letter does not advise of my right to dispute Didn't receive enough information to verify debt.

* The letter only indicated a credit account ending in XXXX, an amount, and the last payment allegedly made.

Notification didn't disclose it was an attempt to collect a debt.

* No indication that it was a debt collector or the letter was an attempt to collect a debt. ( No mini-Miranda ) I will not initiate contact with this company as it looks suspect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a bankruptcy case with Experian & XXXX which they came back saying the information is verified. Advised my bankruptcy is being listed as chapter XXXX when it should be a chapter XXXX they stated it came back verified. I wrote the office of the clerk they advised me that they do not report bankruptcy. case information to credit reporting agency. Per section 609 ( a ) ( 1 ) they are required by law to verify through physical verification of the judgement. Public record information was never validated. I ask them to delete the judgement due the inaccurate reporting.
Product: Mortgage

I got phone call from Caliber Home Loans on XX/XX/XXXX. 
They told me that I was due for pay for XX/XX/XXXX, and my previous loaner XXXX XXXX XXXX transfer service to Caliber on XX/XX/XXXX. 
Actually I had already payed until XXXX.But Caliber said they didn't receive it, and asked me to called XXXX XXXX XXXX to make sure the transfer. 
When I called XXXX XXXX XXXX, and they told me the service had already transfer .But XXXX XXXX XXXX confirmed I payed it already and payment due date is XXXX.I requested document for payment history, statements and bank transfer history, and upload to Caliber website, but Caliber 's manager doesn't want to help me and still told me They will not use my documents to change  anything.And Caliber asked to call XXXX XXXX XXXX to FAX them.But now they still said it's not their problem and push to XXXX XXXX XXXX.The same thing when I called XXXX XXXX XXXX they said they transfer everything very detail it's Caliber 's problem.They even don't want to call each other to verify.I do whatever I can do now.No one can help me .They just push.I need help because two accounts with two months payment it's around XXXX XXXX missing.
Product: Credit reporting, credit repair services, or other personal consumer reports

AMERICAN HONDA FINANCE XXXX Date Opened XX/XX/17 Balance {$23000.00} Late 60 Days As a client I now have legal rights that are granted to me to secure me from mis-information being accounted on my own credit report. At this time I need to make a final petition for investigation before I visit my attorney for information on how to handle inaccurate and unverifiable things that are ongoing to be confirmed as real. Kindly produce me with a copy with the contract settled or voice chat where I authorized billing me in this particular account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting or other personal consumer reports

DEAR, EQUIFAX I WOKE UP WEDNESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF FRAUD... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX ALSO A FRAUD ADDRESS NEED TO BE REMOVE FROM CREDIT REPORT. I HAVE NEVER XXXX XXXX XXXX XXXX XXXX MD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, CREDCO add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Student loan

I called EdFinancial Services on XX/XX/2022 to request a refund on my payments made during the payment pause. They told me there was no way to know when the refund will be given to me and that it will likely be no less than 90 days. They gave me no confirmation of my request and when I inquired about a written confirmation they said they can not provide that and that if I want to know the progress I'll have to keep calling them back.