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

XX/XX/2023, I look at my credit report. I sent a letter to XXXX, trans union and equrifax on XX/XX/2023 asking them to reinvestigate these accounts. Report XXXX XXXX XXXX. XXXX XXXX XXXX # : XXXX XXXX. XXXX XXXX XXXX # : XXXX XXXX. XXXX XXXX. XXXX # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # : XXXX XXXX. XXXX XXXX XXXXXXXX # : XXXX XXXX. XXXX fXXXX XXXX XXXX  XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX # : XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX On XX/XX/2023 they sent me their investigation and said these accounts are complete and Accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 1681eb they are supposed to ensure this ( b ) Accuracy of report 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. 

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report 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. 

I would acknowledge that neither reporting agency actually did a proper reinvestigation and check that the information report was factual and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am super frustrated. I submitted a complaint last month to CFPB and the situation has worsened. I purchase a home with a conventional loan through XXXX XXXX company who then sold the loan to Home Loan Servicing out of Idaho. Who doesn't seem to work within FCRA guidelines. I inquired about the forbearance program for my first mortgage back in XXXX but, continued to make my payments, I have requested they remove the remarks regarding it is in forbearance so I can refinance the mortgage, see attached, My major issue I need help with is I purchased the home using down payment assistance which I signed paperwork acknowledging it was to be recorded as a lien but, signed no paperwork regarding it ever be reported to the credit bureaus. See attached. Adding insult to injury is it says it is currently being reported in forbearance. This is not acceptable. I ask they be forced to comply with FCRA and the signed agreement between us. There are no payments due, ever on this loan. Look, I never agreed to just give anyone free reign to report just whatever they want on my credit. This down payment assistance needs to be FORGIVEN and me be COMPENSATED for the damage to my credit rating. I went to XXXX website and NO refinance is allowed with reference to a forbearance. For reference here is their definition used. " A forbearance plan provides for a period of reduced or suspended contractual monthly mortgage payments, followed by a full reinstatement, mortgage loan payoff, or another workout option to enable the borrower to resolve the delinquency '' There are NO contractual monthly payments on this silent second. I am at my wits end, I bought this home right after college, I know what I signed but, am powerless to enforce FCRA rules on a giant corporation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft. The information listed below, which appears on my credit report, is the result of Identity theftXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I Made an agreement with the XXXX XXXX XXXX XXXX To have my bottom floor living room bathroom kitchen and Family room in my Townhouse Located XXXX XXXX XXXX Pl XXXX, Florida XXXX tiled with XXXX porcelain Tiles with XXXX stairs hallway and XXXX bedrooms upstairs. The XXXX was to begin on Wednesday XX/XX/2022 at XXXX XXXX  and he never showed up lied and said he canceled night prior which I untrue in which he did not. Then came on Thursday XX/XX/2022 at about XXXX in the afternoon for half a day to pick up the tiles with no tools in which I had to rent the tools from XXXX XXXX and buy more products ( not informed prior ) a partial job was done. Owner advised he would come on Friday XX/XX/2022 and complete the job downstairs ( as agreed this would be complete for the ( XXXX XXXX ) in which he did not complete or even started the bathroom kitchen or family room. Left Friday at XXXX pm the job halfway incomplete and advised he will not be doing the job over the weekend but coming Monday XX/XX/2022 in the morning no show called XXXX XXXX XXXX XXXX XXXX XXXX  about XXXX he sent some young Teenage Looking boys who was picking up my expensive furniture to carry over the dirty area untiled area dust area ( The young boys who I dont think licensed also stated they advised him this can not be done ). Contact the contractor via phone call advised him to please come to the job site as this is not what was agreed upon and was advised that he will not be coming over Yelled at me and refuse to come and complete the job, I asked him to send me a full refund and was ignored. I am now left to pay another company to fix the job with damaged and broken tiles that said the contractor did not inform us they broke the tiles an responsible for replacing them. 


Enclosed are pictures of the incomplete and damaged work, and text messaged between both myself and Company and contractor.
Product: Debt collection

Debt is more than 7 years old. Have disputed several times. Every few year creditor states that its a new account and continues to falsely report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XXXX XXXX XXXX, NY XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$5800.00} XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you XXXX more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX Late Dates Late Dates XXXX
Product: Mortgage

I owned a home purchased in XX/XX/XXXX. Approximately XXXX I applied for a loan modification with Wells Fargo, the new mortgage holder. Since the time they had acquired my mortgage, they promptly raised my mortgage amount significantly. I applied for a mortgage loan modification with Wells Fargo. They gave me the run around for a long time, during which I sent over {$15000.00} per their request to get the loan modification. I tried repeatedly to obtain info as to the status of the modification, as well as the status of my large payments. The payments were never confirmed, the money was NOT applied to my outstanding mortgage loan, my mortgage was NOT modified, and I was forced into a foreclosure in XX/XX/XXXXXXXX  as my funds were exhausted. Where did my XXXX XXXX go? What happened? My XXXX children and I lost our house. My mortgage was kept current until we moved out.
Product: Debt collection

Synchrony bank. I am over due paying my credit cards. I admit that. They are calling at least 10-15 times per day. I have screenshots of calls that are coming in 4 in a row within a matter of 20 minutes. This happens several times a day. They come from all over the US. For example. Just today I have received calls from XXXXXXXX XXXX XXXX in between those have been 3 unknown numbers starting at XXXX Between yesterday and Wednesday all of these calls were received by XXXX ( yesterday ) XXXX and then I blocked them. Wednesday it was same number XXXX. In between all of those came calls from XXXX. I was hit by a XXXX XXXX and can no longer work. We have been waiting for XXXX for almost 2 years. I just need the calls to stop. I am stressed enough and I have nothing to offer or pay. We are well below the poverty level. I went from a full time good job to nothing.
Product: Checking or savings account

On multiple occasions, including just yesterday, Bank of America has frozen my funds as " overdraft protection ; '' putting them in limbo between my savings and checking account, disallowing me to transfer them to cover my overdrafts, thus resulting in me having to pay a {$12.00} overdraft protection fee. This has the ability to compound, creating further overdrafts and withdrawal limit fees when I am unable to make a transfer large enough to cover the initial or additional overdrafts. 
When I have called to find a solution to this problem, folks at the call centers are not helpful and refuse to acknowledge that this is an issue created by their own technologies.
Product: Debt collection

I moved from XXXX XXXX, VA to XXXX XXXX, NJ on XX/XX/22. 

On XX/XX/22 I cancelled my XXXX XXXX Account at XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, VA XXXX. 

On XX/XX/22 I return my router to the verizon store in XXXX XXXX, NJ. I asked the salesperson if I have anything left to do and they told me " You returned your router and all your bills are paid, you are good to go '' On XX/XX/22 I get a letter in the mail from MRS BPO , LLC. This letter said I owned {$82.00} to XXXX internet for unpaid bills. 

On XX/XX/22 I check my credit score. My credit score dropped XXXX points from XXXX to XXXX. I have never been late paying a bill in my life. 

On XX/XX/22 I called MRS BPO , LLC to try to resolve this mistake and on the phone it said my account was closed with XXXX XXXX. 

I am extremely upset becasue I was told that I did not have any outstanding balance and now my credit is ruined, when I was planning to buy a house. Something needs to be done to fix my credit score as this violates my consumer rights and as a current attorney barred in the state of New Jersey and Washington XXXX DC am prepared to file a suit via arbitration and submit this complaint to every other agency that has authority over this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting, these accounts has violated my rights : XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX, Account XXXX XXXX XXXX, Account XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 602 B : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block these items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a mortgage with XXXX XXXX XXXX since XXXX. The payment was linked to my XXXX XXXX XXXX checking account. I refinanced the mortgage in early XXXX. The payment ( approx. {$7600.00} ) was again linked to my XXXX XXXX XXXX  checking account. In XX/XX/XXXX, the escrow payment was approximately {$100.00} more than the estimated amount. As a result, the next monthly payment ( approx. {$7700.00} ) was slightly higher than the monthly mortgage payment set at the time of refinance ( approx. {$7600.00} ). Instead of informing me of the issue, XXXX XXXX XXXX stopped applying the automatic monthly payments to the mortgage resulting in late fees and the mortgage being reported as delinquent. Only when it turned 30 day delinquent, the bank decided to send me a letter. Immediately I called the bank and tried to address the issue. Realizing what had happened, they did reverse part of the late fees and applied the funds sitting in a suspense account to the mortgage to bring it current. For that to happen, I had to make a payment of approx. {$560.00}. They also mentioned that they will clear the issue with the credit reporting agencies. A few days later, I disputed the delinquent account after I saw a significant drop in my credit score ( one was more than XXXX points ). One of the agencies, Experian, reported that there would be no change as XXXX XXXX XXXX  stands by the information they passed to Experian. In this day and age, it's shocking that a Bank with whom I have been banking since XXXX would not bother to call/text/email its customer as the issue arose but would wait for the account to become delinquent to send a letter.
Product: Credit reporting or other personal consumer reports

I have on multiple occasions disputed the collections account on my consumer report in regards to NATIONAL CREDIT ADJUST a debt collector who bought a debt from XXXX XXXX I disputed XXXX XXXX and received a response from XXXX XXXX stating that they could not verify the account thus XXXX XXXX was deleted from my consumer report however NATIONAL CREDIT ADJUST who is a debt collection agency purchased the unverifiable debt from XXXX XXXX and NATIONAL CREDIT ADJUST is still reporting an inaccurate account to my consumer report. 

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. 15 U.S. Code 1681- Congressional findings and statement of purpose goes on to state a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

As stated before XXXX XXXX who was the orginal creditor has been deleted from my consumer report and they even responded to my CFPB complaint stating that the account was unverified and that they would no longer report the account to my consumer report. I have provided the letter from XXXX XXXX Compliance Manager in the attachments below Also NATIONAL CREDIT ADJUST in an attempt to sabotage my consumer report and hinder my right to credit is reporting to the credit agencies that I have been late on payments since XXXX of 2023 payments that I do not owe them due to the fact I have no contracts with NATIONAL CREDIT ADJUST nor with XXXX XXXX who NATIONAL CREDIT ADJUST allegedly purchased the debt from. This places civil liability on NATIONAL CREDIT ADJUST due to the fact they are attempting to damage my general mode of living and my right to credit in order to purchase household goods for me and my family. 

I demand the account in regards to NATIONAL CREDIT ADJUST be removed from my consumer report.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is NATIONAL CREDIT ADJUST 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, NATIONAL CREDIT ADJUST 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 ) NATIONAL CREDIT ADJUST 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 NATIONAL CREDIT ADJUST 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 NATIONAL CREDIT ADJUST is in compliance with OHIO LAW. I 
also have reported this account to the FTC, and XXXX  Police Dept. I need this collection account to be removed from my credit report. NATIONAL CREDIT ADJUST has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit card or prepaid card

I have just received my new CapitalOne Venture credit card. My first charge onXX/XX/XXXX was a USDXXXX  annual membership fee. All CapitalOne’s advertising for their Venture card states that the annual membership fee is $XXXX for the first year, $XXXX pa thereafter. I have spoken with 2 CapitalOne agents and a Supervisor and complained that their advertising is misleading. CapitalOne refer to a detailed term and condition that states “Even if I am otherwise eligible for this offer, approval is based upon satisfying Capital One’s credit standards.” I have a number of issues with this:- this term and condition is given no prominence, unlike the $XXXX first year offer.- the above condition refers to credit standards not to fee waiver eligibility.- clearly there are no credit standards issues or they would not have given me a USDXXXX credit limit. In sum CapitalOne’s advertising is grossly misleading in my opinion. They are using a condition buried in a lot of detail to amend an offer and using credit standards as an excuse when this is just a fee issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to XXXX XXXX XXXX XXXX as my mother wanted to add me as a beneficiary on her checking account. The representative we worked with successfully added me to the account. However, when I returned home, I received an alert from Experian saying that I had a hard credit inquiry from XXXX XXXX XXXX XXXX. We were never told that XXXX XXXX XXXX XXXX would run a credit check on me, and also were not even aware that this was part of the process. The representative at XXXX XXXX XXXX XXXX we worked with made no absolutely reference to this at any point and I never was asked or consented. I have set up checking accounts at other banks and a credit check was never run. I called XXXX XXXX XXXX XXXX several days later and they indicated that it was part of their process, but again, they never indicated to us that they were running it and I would have refused this.