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

I sent a letter on XX/XX/2022 to this Credit bureau. 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate 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 informations. 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. 
I would like to know who did they talk to? 
How did they complete this investigation?
Product: Mortgage

WelYou will find attached a letter from XXXX XXXX  documenting that there was no error occurred and the transaction of {$1400.00} was processed as requested on XX/XX/XXXX. In the second set of documents, XX/XX/XXXX you will find the following : 1. Letter to XXXX XX/XX/XXXX requesting escalation and mentioning investigation of the XX/XX/XXXX transaction 2. Six pages of my XXXX account transaction details showing debits from my account to Wells Fargo for XXXX credited on XX/XX/XXXX and XXXX credited on XX/XX/XXXX XXXX. Acknowledgement from Wells Fargo on XX/XX/XXXX of only the XXXX payment 4. Email from XXXX XXXX XXXX to Wells Fargo on XX/XX/XXXX inquiring as to whether or not Wells Fargo had located the XXXX. 
5. Other supporting documentation 6. Receipts from Wells Fargo dated XX/XX/XXXX XXXX XX/XX/XXXX 1. Letter from XXXX Federal Student Aid documenting my Federal Student loan forgiveness dated XX/XX/XXXX 2. Water bill grant payment to me from XXXX XXXX dated XX/XX/XXXX I think that I have fulfilled the three payment terms of my loan modification payment and I am requesting that you timely credit my account to reflect these payments. On XX/XX/XXXX XXXX took back the funds that they previously advanced to me. 

Would you please contact me with any questions that you may have at XXXX land line or XXXX? 
XXXX XXXX XXXX, XXXX. Successor in interest, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX
Product: Mortgage

XXXX XXXX  is an abomination and should be investigated by local and federal authorities. There is absolutely zero customer service. A previous complaint that was answered via this forum featured a doctored, backdated letter by XXXX that they claimed to have sent to my attention. No such letter was ever received. I am attempting to have my mortgage recast. Since this is a huge inconvenience for XXXX ( and a big benefit for me ) it is obvious why there is no formal, online, or convenient process to do this. Today I wired them a {$300.00} " fee '' and called their number to confirm receipt. After 3 attempts navigating through their phone system, one rep managed to hang up on me, and the second sent me right to the " customer survey ''. This is a shameful institution that does not care about its customers.
Product: Credit card

Good morning, I use online bill-pay with my Bank, XXXX Bank XXXX who sends payments either electronically or by check to pay my bills. The last XXXX billing cycles I have paid my credit card bill ( early ) and the check or payment was delivered before the due-date ( confirmed with my bank delivery date ( XXXX ) ) but Citi Bank has applied them after that date and charged me late fees and interest payments. 

I spoke with Citi Bank Credit Card a few times and they said they do not use the post-marked date of the check : it is effective the date they process the payment- this has caused late fees and interest charges I've incurred when I've paid my credit card bill in full ( or more than full ). 

example : I paid my XX/XX/XXXX balance in full and it was delivered XX/XX/XXXX ; it was due XX/XX/XXXX- they processed payment on XX/XX/XXXX and issued me a late fee and interest charges. 

I paid my XX/XX/XXXX balance in ( more than ) Full and it was sent by my bank on XX/XX/XXXX, delivered XX/XX/XXXX and has still not been applied. I checked today, XX/XX/XXXX and I have interest charges showing due to my payment not being applied. 

I called to speak to Citi and they said they are aware of it, but they couldn't do anything regarding the interest charges at this time because my payment has not been posted/applied.
Product: Credit reporting or other personal consumer reports

I want to file a complaint against XXXX XXXX . This was written off as a charge off and used for their tax purposes and I did NOT receive a 1099c form to be used as income. XXXX are still reporting on my report that I owe the balance, although they took a tax break. It was charged off in XXXX of 2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not Authorize nor did I give Consent to These Account That is on my credit ... 
This is fraud and i want it Off my Credit this is very stressful that i have to experience being a victim of identity theft I would Like This Matter to be Resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

i AM A VICTIM OF IDENTITY THEFT! MY IDENTITY IS STOLEN AND HAS XXXX USED AGAINST MY WISHES! 
DELETE AND BLOCK THE COLLECTION-CHARGE OFF FROM MY Equifax CREDIT REPORT. tHIS ENTITY DOES NOT HAVE PERMISSIBLE PURPOSE TO PUT ANYTHING ON MY CREDIT REPORT. i AM A VICTIM OF IDENTITY THEFT AND MY NAME AND SOCIAL SECURITY NUMBER AND PERSONAL INFORMATION HAS BEEN USED WITHOUT MY AUTHORITY TO COMMIT FRAUD! uNDER THE FCRA THE FAIR CREDIT AND REPORTING ACT GIVES ME SPECIFIC RIGHTS DESIGNED TO HELP ME RECOVER FROM IDENTITY THEFT - BLOCK AND REMOVE THESE FRAUD ACCOUNTS
Product: Vehicle loan or lease

I have requested multiple times to be provided documents in relation to my loan, I have requested the credit app they received from my selling dealer as well as any proof of income they may have received. On one occasion I was on the phone for over an hour speaking to multiple people trying to find the right person that could put this request in for me and was told on one occasion that I could not have these documents until I paid money on my account, after explaining I needed these documents to try and rectify something with my account the gentleman on the phone said " let me explain how this company works '' and proceeded to tell me I could not get the documents. After an hour I spoke with someone who said they were putting in a request for me to get what I needed, and he said it would take 24-48hrs. That was on XX/XX/2024 and I still have not received them. I spoke with the finance company again on XX/XX/2024 requesting the documents and was again told I could not get them, due to my account being behind. Even though I AGAIN explained that I needed these documents in regards to my account being behind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

I have uploaded a deceptive form from GM FINANCIAL showing how they are in violation of 15 USC 1692j ( a ).

Pursuant to 15 USC 1692d ( 1 ) GM FINANCIAL is also in violation by using criminal means to harm my reputation which is my credit reports. They have threatened to negatively affect my credit and add additional fees and have stated it is allowed by federal and state law, what i don't understand is how they came to this conclusion? when I have proof this was a consumer credit transaction and a finance charge was involved. 
GM FINANCIAL is also in violation of 15 USC 1692d ( 2 ) they have used obscene and profane language by calling me a SCAMMER in the letter submitted. 
I just want to make it clear that this is not a scheme or scam, NO this is very serious and my paper work I have sent in is very real. I will follow with a lawsuit next if I don't hear back. Remember not only are you civilly liable but CRIMINALLY liable as well. The CFPB has all the documents i have sent already form my last complaint and those are not fraudulent and they will hold up in federal court. 
See the attached document for proof of all that i have spoken today thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit 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
Product: Mortgage

On Friday XX/XX/2022, I went to make a mortgage payment at my Fifth Third Bank branch at XXXX XXXX XXXX Fl XXXX. I went to the Drive thru to make the payment and the person gave me the wrong change 3 times. At the last exchanged, XXXX XXXX said very rudely that he would not do anything else for me. I noticed that all the coins he sent back were all dark specially the dime. I could not tell if the dime was XXXX because it was so dark that it did not look like a dime. I told him to exchange the dime and he did not do that. He told me to go inside. When I went inside I told him my mother who's XXXX and has an account with them was in the car and I just picked her up from the XXXX because she was very XXXX. That was the reason I used the drive thru. He did not care. Instead he started to argue about sending me the dime and that it was only 2 times he was wrong about the changed. In each time, I was on the drive thru waiting for a long time to make the payment, waiting for all the times they sent out the change wrong and then to give me a hard time about a dime. He never apologized to me even though he knew he made me wait so long and gave me the wrong change each time and still owed me a dime. When I make a mortgage payment the bank requires me to pay for the change and a required them to give me the proper change.
Product: Debt collection

I do not recognize that debt, since I paid it in full, I never received any type of payment or notification of new debt
Product: Credit reporting or other personal consumer reports

I am reporting two issues with the collection company, Carter Young Inc. 
1. I requested validation of an account reporting on my credit report that I was unaware of in XX/XX/. The company did not validate the account and the account is still reporting on my credit report. This is a violation. I have attached to this complaint a copy of the validation letter and proof of receipt by Carter Young Inc. via certified mail. 

2. Instead of validating the account, the company deleted the account with XXXX and XXXX and then re-reported the same account with XXXX and XXXX changing the account number and the last active date. This is the exact same account that they deleted and re-reported with different information. Also, this account is reporting several items differently with all three credit bureaus such as the account number, the open date, and the last active date. There are several violations with this account. I have attached a copy of their reported information on all three of my credit reports in XX/XX/ and in XX/XX/ to show the changing of the account numbers and to show how several pieces of information is being reported differently with each credit bureau. So many violations!
Product: Credit reporting, credit repair services, or other personal consumer reports

I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This includes XXXX, XXXX AND XXXX. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary. 

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

Use of Gap Visa card issued by GE Capital Retail Bank was declined on XX/XX/XXXX. Card has expiration of XX/XX/XXXX and has a credit balance. Customer Service says card cancelled because issuing new one with chip. Other card companies keep card valid until new card activated. A declined card is embarrassing. This practice is poor customer service and relations.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX
Product: Debt collection

This is a third party which purchased my information illegally, is disclosing on my consumer report without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$120.00} XXXX XXXX Balance Owed XXXX {$19.00} XXXX XXXX XXXX Balance Owed : {$32000.00} XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing a negative collection mark on my XXXX  and Transunion credit reports in the amount of {$140.00}. The original creditor for this amount is XXXX at XXXX XXXX Apartments. The debt now belongs to XXXX XXXX. 

The reason I am disputing this collection is because the original creditor, XXXX at XXXX XXXX, is attempting to charge me for an expense they incurred before I was a resident at their apartment complex. 
I have attached two supporting files : File # 1 is the move out statement and ledger that the original creditor, XXXX at XXXX XXXX, mailed to me upon vacating the apartment. The ledger indicates there is a move out balance of {$130.00} ( the actual amount on my report is now {$140.00} due to added interest charges from XXXX XXXX. ) File # 2 is an invoice from XXXX XXXX XXXX charged to the original creditor, XXXX at XXXX XXXX. This invoice was provided to me by the original creditor, XXXX at XXXX XXXX, as part of my move out statement. The invoice is for carpet replacement in the apartment unit I resided in. 

Per File # 1 my lease agreement began on XX/XX/2018. Per File # 2 the invoice was generated and dated on XX/XX/2018. This means that the carpet in the apartment unit was replaced before my lease agreement began. 

I have disputed this issue with XXXX and they quickly removed the negative collection mark from my credit report. As quoted by XXXX  on page # 1 of the attached file XXXX  Dispute Results, Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Please feel free to review the XXXX  Dispute Results attached file for your reference.
Product: Credit card or prepaid card

I have a Balance Transfer with this credit card that I initiated on XXXX for {$15000.00} with a 0 % promotional rate. I still have been making small purchases on my card, which have been paid in full within days of the transaction being made on my account, yet month after month I am showing a higher amount subject to interest and the interest due increasing. I have made payments in excess of the minimum, but Chase has not been applying those payments to the purchases with the higher interest rate as stated in the credit card act of 2009. I have attached statements to support my claims, but here is the key points in a nut shell. 

XXXX Balance subject to Interest {$0.00} Purchases {$200.00} Payments {$330.00} XXXX balance transfer of {$15000.00} fee {$600.00} XXXX Balance subject to Interest {$130.00} Interest charged {$2.00} Purchases {$250.00} Payments {$390.00} XXXX Balance subject to Interest {$280.00} Interest charged {$5.00} Purchases {$290.00} Payments {$5700.00} XXXX Balance subject to Interest {$330.00} Interest charged {$6.00} Purchases {$440.00} Payments {$660.00} XXXX Balance subject to Interest {$460.00} Interest charged {$9.00} Purchases {$200.00} Payments {$310.00}
Product: Payday loan, title loan, or personal loan

I received a loan from Cash1,  XXXX , NV. Im struggling to pay the amounts. This company asked for a check for " Visual purposes '' for my file. I told them I do not use that bank. The young woman said that they will photo copy my debit card and they only use that for payments. Iv been notified by this company by email that they have taken the amount due from my debit card.They also been depositing the check I left! I now get emails, calls, and text from this company stating that Im past due! Calls from their " legal '' department as well. They have violated my privacy and violated the 3rd party act in the FDCPA. I have had a family member see my text from these people which violates my privacy. Now everyone knows my business
Product: Credit reporting or other personal consumer reports

I called Experian, XXXX and XXXX XXXX in XXXX of XXXX. I requested for all three of these credit bureas to remove multiple negative items, hard inquiries and collections from my credit reports. The information that I requested to be removed from my credit reports are negative items, hard inquiries, collection and debt that I did not authorize nor agree to. I do not recognize said information. This information hasn't been removed yet. Today, ( XXXX, XX/XX/2024 ) I went online to all three credit bureau websites ( Experian, XXXX and XXXX XXXX ) and submitted disputes against all the incorrectly reported information. In accordance to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 AND the ( Consumer Financial Protection Bureau ), this incorrect information has to be removed from my credit report immediately!