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

Inquires I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The scoring models used by the credit agencies are CLEARLY FLAWED as shown last XXXX when XXXX reported millions of inaccurate scores to lenders and absolutely damaged consumers. 
The use of SCORES should be abolished and we should return to the days when a lender actually had to look at the report, study the person 's creditworthiness, and make a decision. 
I plan to file legislation through my Congresswoman to abolish all credit scoring. 
The bureaus should opt to remove it themselves PRIOR to this because a class-action will be part of it.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

In accordance with the Fair Credit Reporting act RECHECK & XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I have a credit card with XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30-day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX reported me 30 days late in XXXX of XXXX  for XXXX and XX/XX/2022 for Experian and XXXX. There was an error on their part. I was never 30 days late.
Product: Debt collection

NCC business services has been harassing me for a few weeks and has now as threatened reporting incorrect derogatory false information on my credit file with XXXX and XXXX. It has already been removed and corrected by XXXX. NCC has acted in both an illegal and unethical manner. This is a fictitious debt. 
I pride myself in having perfect impeccable payment history on all of my accounts with all of the credit reporting agencies I have nothing derogatory on my credit aside from this scam they are trying to force me to pay. 
Companies like these try to intimidate people into paying these made up fictitious debts and make millions I am sure. I plead to you to assist me with fighting them on this matter. 

NCC Business SVCS INC Phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX ****** this company is trying to collect on fictitious debts ****.
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.t.
Product: Mortgage

I TRIED FEVERISHLY TO MOTIFY MY MORTGAGE WITH CHASE BANK. 

THEY KEPT LOSING TO DODD FORMS OR STALLING. 

XX/XX/, 2018, APPROXIATELY {$240000.00}. I COMPLAINT TO ALL AGENCIES THAT WOULD LISTEN, THEY CONTACTED CHASE AND CHASE DID NOTHING.

TO THIS DAY CHASE BANK FEELS THAT THEY ARE ABOVE THE LAW, CHASE STILL CONTENTS THAT THEY ACTED IN " GOOD FAITH '' NO THEY ACTED IN BAD FAITH. 

THEY LIE, LIE AND CONTINUE TO LIE, THEY MUST BE STOPPED
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Information on Credit Report Account Name : XXXX XXXX  Account Number : XXXX Dear CFPB, I am writing to formally dispute inaccuracies in my credit report regarding the above-referenced account. Pursuant to 15 U.S. Code 1681s2, furnishers of information have a duty to provide accurate and complete information to credit reporting agencies. However, the information reported by XXXX, Experian, and XXXX contains multiple discrepancies that must be investigated and corrected. 

Below are the inaccuracies : Date Opened XXXX reports XX/XX/XXXX. 
Experian and XXXX report XX/XX/XXXX. 
Request : Delete immediately due to inconsistent and unverifiable information. 
Date of Last Activity ( DOLA ) XXXX and Experian report XX/XX/XXXX. 
XXXX reports XX/XX/XXXX. 
Request : Delete immediately due to inconsistent and unverifiable information. 
Date Reported XXXX reports XX/XX/XXXX. 
Experian reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX. 
Request : Delete immediately due to inconsistent and unverifiable information. 
High Balance XXXX and XXXX report the High Balance as {$480.00}. 
Experian reports the High Balance as {$0.00}, which is inaccurate. 
Request : Delete immediately due to inconsistent and unverifiable information.
Product: Credit reporting

After an inquiry by the financial mobile application, mint, about a bank account that I do not have knowledge of, I attempted to obtain my credit report. I tried both XXXX and XXXX, but was unable to access my report, because I could not confirm my identity. In this section, I was asked about loans and bank accounts that I do not have knowledge of. For example, I was asked, " In XXXX, you obtained a car loan from which of the following providers? '' To this question, and others like it, I replied, none of the above, assuming that they were trick questions. However, I was told that my identity could not be confirmed, because I answered these questions incorrectly. This confirmed my suspicions that my identity has likely be stolen, but I am incapable of providing proof to the FTC, because I can not access my credit report.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX FCRA Dispute Duties The FCRA imposes dispute duties on both CRAs and furnishers. If a consumer disputes the completeness or accuracy of an item contained in his or her file directly with the CRA, u the CRA must complete a reinvestigation within thirty days after receiving the notice of dispute from the consumer ; XXXX u in conducting the reinvestigation, the CRA must review and consider all relevant information submitted by the consumer ; andXXXX u within five business days of receiving the dispute, the CRA must notify the furnisher of the dispute, and include all relevant information that the CRA received from the consumer .XXXX After receiving a dispute from a CRA, a furnisher must take the following steps:XXXX u conduct an investigation with respect to the disputed information ; u review all relevant information provided by the CRA ; u report the results of the investigation to the CRA ; u if the investigation finds that the information is incomplete or inaccurate, report those results to all nationwide CRAs to which the furnisher reported the information ; and u complete the investigation before the end of the thirty-day period that the CRA has to complete its reinvestigation. If the CRA finds during the reinvestigation that a disputed item is inaccurate, incomplete, or can not be verified, the CRA must delete or modify the item.XXXX No later than five business days after the completion of a reinvestigation, a CRA must provide written notice to the consumer of the results of the reinvestigation .XXXX The notice must include u a statement that the reinvestigation is completed ; u a consumer report based on the consumer 's file ( if the file has been revised as a result of the reinvestigation ) ; Case number : XXXX Back Status Company responded Experian Credit Bureau said : Explanation of closure Thank you for submitting your complaint on XXXX XXXX, 2016 through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 

We have reviewed and considered the information, including the two attachments, you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicate there are unauthorized inquiries appearing on your credit report. You are requesting the removal of the inquiries from your credit report. 

The inquiries shown on a credit report are a factual record of the companies who have accessed and reviewed a consumer 's profile. They are only logged on the report, when in fact, an inquiry was made. A record of this activity, pursuant to federal law, must remain a part of record. Please note that Experian does not receive a copy of any applications made to credit grantors. You may wish to contact the creditor directly for that information. Therefore, we must respectfully deny your request to remove the inquiries at this time NO INVESTIGATION HAS BEEN DONE!!!!!!!
Product: Debt collection

While doing my due diligence, although NCB Management declares that they're licensed and bonded to collect in my state I have attached the states they are actually licensed and registered with and Arkansas isn't one of them. Also, my credit was involved in a data breach with XXXX. I have also attached screenshots of it as well. 

Pursuant to UCC 3-501 ( b ) ( 3 ) ( ii ), I am responding to the XX/XX/year> instrument for the following reasons : Failure of the presentment to comply with an agreement of the parties I have no agreement with NCB MANAGEMENT SERVICES And : Failure of the presentment to comply with other applicable law or rule - Notice of objection to the terms within the enclosed instrument : I object to the terms within the above referenced response. UCC 2-207 ( 2 ) ( c ). 
I refuse payment and refuse acceptance of the instrument and its terms and herewith return it without dishonor. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL. NOTICE TO PRINCIPAL IS NOTICE TO AGENT.
Product: Mortgage

Finance of American Reverse ( FAR ) have been holding my insurance proceeds for devastated home repairs for over a year whereas my home had to be gutted to the extent of no walls, no ceilings, no floors from rain water damages. My family and I are still residing at hotel while I have to use my own personal money and loans to get as much repairs done from limited funds. I previously filed a complaint for this same issue involving the same processor ( XXXX XXXX ) at FAR Loss Draft Dept. who is very negligent in processing funds and appears to be stealing funds for keep. The supervisor previously had to overnight some of my reimbursement of approx {$7800.00} after my complaint in XX/XX/2021 to CFPB. As of date no more funds has been released. I have sent in numerous paid receipts and have not yet not only received reimbursement of my personal funds but no money for emergency repairs. I have lost many contractors for FAR 's neglect to release insurance claim funds. I have called to inquire and I am either hunged up on when connected to processor XXXX or given a message from her that she will call me back but she never does.. My home is in serious need of repairs and I do not understand why these people are refusing release other than civil rights violation, retaliation or they are stealing. I am exhausted from begging and pleading for my own funds to be released. I have received another insurance check which I can not endorsed to them as they requested because the funds are not being release I have requested FAR to endorsed back to me so I can get emergency repairs completed. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with United Revenue Corp. regarding derogatory entries they inserted on my credit reports without providing me a dunning letter or any other notification that they were attempting to collect a debt. To that end, I submitted my second formal dispute to them ( see attached return receipt ). I specifically requested that United Revenue Corp validate the debt and not verification of address in my first dispute and in my second dispute I specifically requested them to provide a copy of the signature of the alleged service provider to release my medical information to them and too for them to cease any credit bureau reporting until the debt had been validated by me. I had previously respectfully requested a full detailed report of the account they were alleging a debt was owed as well as an agreement that stated they had authority to collect on the alleged debt, agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, original delinquency date, complete accounting of alleged debt, verification that this debt was assigned or sold to collector. 

United Revenue failed to provide any documentation to substantiate this debt. They have only sent a mere summary that is on their letterhead and provides nothing of substance. Sending a mere statement on their letterhead does not suffice. The charges are not itemized and provide no explanation or justification. In their letter dated XX/XX/18, ( see attached ), United Revenue states that no inaccuracies were identified as a result of their investigation. This could not be further from the truth. I have never had a contract nor any agreement with this company and they are reporting terms of 1 month on my credit report. On each bureau report, they are reporting a different payment history as well as a different opening date for this alleged account. THESE ARE INACCURACIES AND THEY CONTINUE TO REPORT THEM AS WELL AND THIS IS A VIOLATION OF MY RIGHTS. I have been very detailed and specific in my requests as well as my disputes with them. As stated in the aforementioned paragraph. These entries must be removed from my reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this inaccuracy and the lack of reporting of this account with the creditor and the credit reporting agencies and sadly more incorrect information is now being reported. I currently have a CFPB case open with XXXX XXXX that they have not even acknowledged and a complaint with the XXXX. I have tried to call the creditor to resolve the issue several times though out the year and have been laughed at as I explained that everything was related to XXXX XXXX including the direct lose of my father. I have been hung up and on hold for upwards of 2 hours and transferred and the line disconnected. I have provided documentation showing that the credit reporting agencies were reporting inaccurate information on my reports and instead of investigating and fixing the problem they go in and report even more wrong information. Since the creditor and the credit reporting agencies refuse resolve the matter, or have any empathy at all. I am left with no other choice, I have gone ahead retained an attorney to represent me as it relates to this account. The violations of FDCPA ( harassing and threating calls and documented conversations I received at all hours of the day and night, which my cell phone records, voice mails documentation and show ) that took place during the term of this account and the continue inaccuracy and lack of proper investigation from the credit reporting agency. Is the main reason why I will be moving forward and filing the law suit. I have also filed a complaint with the state attorney generals office as it relates to this account so that they can conduct there own investigation with XXXX XXXX and the credit reporting agencies as it relates to this account I personally feel like I have tried everything to resolve this situation on my end and have even explained how this account was related to XXXX XXXX and that there own employees seem to find joy in laughing as I explained that my father had passed due the XXXX.
Product: Debt collection

XXXX, XXXX and XXXX XXXX, sends out letters on company letter head as law firm, they are debt collectors who go to court for other companies. But how do they own the debt and why do they appear to the individual as the attorney for the Plaintiff when they are debt collectors. They sign each letter but if you read the end it states we are a debt collector any information will be used for that purpose they do not do Debt Validity. When you call you never get through, I was a victim of Identity theft. Yet I have to send that affidavit to an entirely different company that is not even on the Docket. It is very confusing. This company is practicing Unethical practices to try to XXXX XXXX or do Wage Garnishment. They can not be the attorney and the debt collector for the company who is suing. I have been through financial turmoil because of this company. I am not the only one, I believe they try to get all old debt and then go to court as the Attorney and the Debt collector. Who owns the debt the Plaintiff the law firm, New Jersey Superior court should not accept these lawsuits or practices from this Firm as it is unethical.
Product: Checking or savings account

I have had a solo checking account with PNC Bank ( beginning at National City which is acquired ) for 25 years. About a week ago I received notification in the mail that my checking account and XXXX savings account were being closed by the bank. I attempted to call customer service and they refused to provide an explanation. I have never been overdrawn, I receive a regular direct deposit from my employer and otherwise most transactions are autopay bills. I was given no notification that the bank was concerned about my account. I do not transfer money into or out of this account aside from direct deposits and regular transfer from checking into the savings accounts. Customer service was unhelpful and quite frankly rude in their unwillingness to help me.
Product: Debt collection

I contacted XXXX XXXX on XXXX XXXX, and XXXX XXXX of this year, telling them about the problem and they refuse to fix it
Product: Student loan

I contacted Navient for assistance with forgiveness due to the school misconduct option. The loans have been discharged from XXXX XXXX XXXX because the schools have all been closed down because they do not exist. They are not real schools. 
These are the epitome of predatory lending and they should be repaying the loans. 
The schools have had to pay students and the government because they were fraudulent. The fact that Navient is still demanding that I pay for loans from schools that no longer exist and were found civilly liable for their ill intent is not only unacceptable it should be illegal. 
I have been paying Navient for 8 years on loans that will never be worth the ink on the paper used to apply for them. 
This is not acceptable and it is unconscionable that they are allowed to act with such impunity against American citizens. 
I tried to contact Navient for more information related to the denial and they placed me on hold and never came back to the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to update immediately : XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance : {$4600.00}
Product: Credit reporting

One tax lien is incorrect and reporting with Experian, I have searched my name under Georgia Department of Revenue site under delienquent taxes and results list " no date found '' ( screen shot attached ), at the following Georgia State Department of Revenue XXXX
Product: Debt collection

XXXX : I informed XXXX XXXX  in writing that they should close my ( XXXX  ) account and I would be initiating a transfer of all of my cash out within the next week ... ... XXXX : Transferred all cash from XXXX XXXX  to an external account|Account balance : {$0.00} ... ... XXXX : XXXX XXXX processed and rejected a bill-pay charge for the amount of XXXX as the account balance was XXXX dollars.XXXX XXXX added two charges to the account., a {$35.00} overdraft fee to the account due to the above payment rejection. a {$20.00} maintenance fee.|Account balance : - {$55.00} ... ... XXXX : XXXX XXXX processed and rejected the same charge ( XXXX ) ... ... XXXX : XXXX XXXX  added earned interest ( XXXX cents ) to the account.|Account balance : - {$49.00} ... ... XXXX : XXXX XXXX  processed nd rejected the same charge ( XXXX ) and added an additional {$35.00} overdraft fee.|Account balance : - {$84.00} ... ... XXXX : XXXX XXXX  processed and rejected the same charge ( XXXX ) and added an additional {$35.00} overdraft fee.|Account balance : - {$110.00} ... ... XXXX : XXXX XXXX  adds {$15.00} maintenance fee.|Account balance : - {$130.00} ... ... XXXX : XXXX XXXX adds {$15.00} maintenance fee.|Account balance : - {$140.00} ... ... XXXX : XXXX XXXX submits {$140.00} bill to collections, closes account.
Product: Debt collection

Last year received a multitude of phone calls regarding an alleged debt. Company was asked to not contact by phone but to send a letter via snail mail with detailed billing information from alleged originator of debt - which was more than 10 years old.

Never received, continued to received phone calls, family members received same, asked them to stop again and send me the detailed info as asked. 

Continued harassment. 

Got a letter today stating if I paid the debt by certain days they would offer payment options. Tired of harassment, know that the original debt was partial paid and forgiven ( sent documention ) more than eight years ago, and didn't wnat anyone else bother. I paid online the first option. 

So sick and tired of companies like this ( and there are three involved ) getting away with bullying, harrasment, skip tracing and all sorts of stuff. I would understand if I was someone avoiding paying my debts, but I have never hidden from anyone. 

Times are hard all around and I am sorry for any debts I owe or have owed and have been late paying etc, but whenone has been partially paid and forgiven and there have been circumstances .. and to try and collect a decade later and be sneaky about it ... Shaking head, shameful.
Product: Credit reporting or other personal consumer reports

refuse to investigate and remove in accurate information from my report
Product: Debt collection

This debt is fraud. I never had this debt or knew anything about this debt.
Product: Credit reporting

FHA Loan-short sale, FHA requires that I am late on my mortgage payment to be considered for a short sale. 
Due to XXXX issues, job change and increase in expenses ( due to XXXX issues ) our family experienced a hardship and was forced into a short sale and in order to be considered for a short sale FHA requires us to be late on mortgage payment please see attached FHA bulletin stating it is a requirement to be late on my mortgage payment. I am unable to secure a loan now when my family is more financially viable. I am being discriminated against due to a government requirement to be late on my payments. It is imperative we are able to secure a new loan to move forward with our lives and maintain a standard of living after going through a hardship.