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

I called XXXX to activate my new card ( I haven't used the account in over 1 year ) and found out that someone did a live chat on their website to put their self as an authorized user. They referred me to Experian credit bureau to put my social security number on a fraud alert. I did this on or about XX/XX/XXXX/XX/XX/XXXX. It was all voice prompts and I had to enter my social security number over the phone. Another incident happened to me so I called Experian back and did another fraud alert, again through automated voice prompts, and was told again that they would report this to the other credit bureaus. Where I couldn't speak to a live person at Experian, I called XXXX and they told me that they had NOT received any information on my claim. I find this to be EXTREMELY upsetting for several reasons, with all the identity theft rampant these days, I entered my social security information over the phone TWICE with this credit bureau, they are a credit bureau and supposed to help you and they didn't report it to the other two bureaus. They should be investigated to make sure their telephone number is correct, what happens to the personal information that I entered into their system, why aren't they doing their job?!!!
Product: Mortgage

Hello, I have a FHA mortgage loan on my condo through Bank of America. My original mortgage date was XXXX XXXX. But then I refinanced in XXXX XXXX. My original LTV ratio was over 80 % so I was required to pay PMI of {$360.00} per month. Currently I have {$360000.00} left on my loan and my condo was original assessed at {$460000.00}. I expect it would assess for at least that much today which leaves me under the 80 % threshold. I contacted BofA to ask about removing PMI but they are telling me since I refinanced less than 5 years ago they do n't have to remove PMI and I should contact them again in XXXX. 

Is this accurate? I thought once I had a LTV below 80 % I could contact my lender about removing PMI or at the least the 5 years should count from the date I bought my home not when I last refinanced.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent in dispute letters certified mail with my credit report enclosed with circled inaccurate and inconsistent data, and supporting documents, such as incorrect balances, incorrect late payment information, incorrect date opened, and incorrect credit limits on accounts mentioned in the dispute letters. 
I sent on XX/XX/2021, a 30 day demand to comply letter because I have yet to see the inaccurate late payments and inaccurate data fixed off my credit report or any response of a proper investigation.
Product: Debt collection

I received the notice of debt on XX/XX/XXXX. I sent them my identity theft report along with my proof of identity to challenge the debt as it was a case of identity theft. The account they claim is mine was opened for a XXXX XXXXXXXX account in XXXX when I was XXXX XXXX XXXX. They sent me a letter back showing purchases I didn't make as proof of debt ignoring my age entirely. I did not open an account with XXXX XXXXXXXX when I was XXXX XXXX XXXX & I did not have any income at the time to make the purchases they're claiming I did.
Product: Debt collection

I applied for an auto loan on XXXX XXXX for the amount of {$3900.00}. LVNV FUNDING LLC on behalf of XXXX XXXX has reported on the defaulted loan but instead of removing the debt from its original date of default the company has changed the date for it to appear as a new debt on my credit report. It shows as opened on XXXX XXXX XXXX XXXX XXXX XXXX and active since XX/XX/year>. I had not been active on the account at all and just recently contacted to make a payment. I was unaware that what this company did was fraudulent and illegal as the debt should have been removed from my credit report after 7 years. I called to resolve the debt and that I would pay in increments but the representative was dismissive of my financial situation and told me that any offer could be denied if I did not make a payment that day. I made a payment of {$580.00} which they told me I would get an email confirmation for and I did not receive anything from the company nor has this changed on my credit report. Now I feel like I have to keep calling them when they shouldn't have charged me anything to begin with. I paid through a third party company of LVNV FUNDING LLC called XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issues are with the below parties. I have reached out to them over five times to express this is incorrect. I even provided documentation from XXXX XXXX  to show I dont have a bankruptcy and they still fail to remove it. Please assist. 

XXXX. Experian XXXX. XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to follow XXXX XXXX in regards to inaccurate information reporting to my credit report. I have notified them several times regarding inaccurate payment status and account numbers reporting on my report for my XXXX Accounts. Please see the attached letter for details.
Product: Credit reporting

I have been trying since XXXX XXXX, 2015 to get a judgment off my report. I sued the company and the court and was granted a vacate of judgment on XXXX XXXX, 2015. I notified all the bureaus at the same time. XXXX and XXXX deleted the judgment within the last week. I called and talked with Transunion and was told it takes them a long time to verify the information. I received a letter yesterday from them and told it should be cleared up by XXXX XXXX, 2015. The bureaus put the judgment on my reports 5 days after it was filed and now Transunion is telling me it takes 90 days to get it off. I am trying to qualify to purchase a home and now I am a victim of their incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent in dispute requesting and investigation of the items they said were verified by creditors it has now been way over 60 days and I they have not supplied evidence of the supposedly verified account. Section 611 ( a ) is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since being it is well over 60 days they should be deleted promptly. I demand these items be deleted immediately or I will file for litigation due to stress you caused me. My information was also involved in the XXXX data breach and May have gotten into the hands of the wrong person. My information was also involved in a cyber attack whereas my information had been compromised as well.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account : XXXX XXXX # XXXX, Account : XXXX XXXX XXXX, Account : XXXX XXXX XXXXXXXX, Account : XXXX XXXX XXXXXXXX, Account : XXXX # XXXX, Account : XXXX XXXX XXXX, Account : XXXX XXXX XXXX, Account : XXXX XXXX  XXXX, Account : XXXX # XXXX, Account : XXXX XXXX XXXX, Account : XXXX XXXX XXXX XXXXXXXX XXXX Account : XXXX # XXXX, Account : XXXX XXXX  # XXXX, Account : XXXX XXXX # XXXX, Account : XXXX XXXX XXXX XXXX has repeatedly violated my rights. 

I looked at my Transunion credit 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 suppose to 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: Credit card or prepaid card

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX XXXX with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30-59 days late.
Product: Mortgage

Provident Funding services my mortgage. I made my monthly payment ( electronically ). And then signed up for a monthly withdrawl service. They immediately took a XXXX ( unauthorized ) payment out of my checking acct. They acknowledge the XXXX payments were made - this is not in dispute. They have had XXXX payments for over a week. To get my money back, their procedure is as follows : 1 ) I provide them with " screen shots '' of my bank account showing that the XXXX payments have been taken out. 
2 ) They mail me a check. 
This is all simply ridiculous red tape to ensure they hold on to my money. It is unsafe, unfair and egregious. The first step is wholly unnecessary - they have the money, they can see that payment has posted. It is also unsafe - they want me to send sensitive banking information such as my account # and balance in unsecure ways. And then they want to send me a check ... when they clearly have access to my account electronically. Or I can just wait, which conveniently means they get a free loan from me for a month. I have spoken with several people, including managers, in their customer service area. They are unwilling to take any steps to address the issue due to " their policy ''.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On the date of XX/XX/2023 a claim from an overseas online merchant XXXX had been denied even though the charges were unauthorized by me. Case # XXXX. I then requested Documentation from the bank that shows the evidenced used to come up with the decision to deny my claim. Upon finding out about the fraudulent charges I did change bank card and filed for a stolen card. Now when the bank emailed me back they sent a message stating that the documentation I requested is attached to the email. I opened the attachment extremely astounded when I find out that all they sent me was 1 of the disputed transactions showing in my everyday bank statement. The very transaction I was disputing and sent them. After speaking with an advocate and letting her know this. She was highly confused as well as decided it was necessary to reopen my case. 
On the ninth day right before I would be receiving provisional credit I all of a sudden got an email saying this was denied a 2nd time. So again I ask for the documentation used to come to the conclusion of a denied claim. 
After calling almost everyday for ten days or chatting with support and getting hung up on in my face twice in one day ive had it with them. Extremely rude customer service when I ask for something that they offer and is also my right. I had finally realized there had never been a proper investigation from this company and to prove it an advocate finally confessed that they don't have anything to give me they just made a decision just because. This blew my mind but at the same time gave me a sense of clarity and understanding. It has been given as evidence in both claims per signed statement stating that during the times of the transactions I was on the clock at work. At my job having your phone on the on the job results in immediate termination and possible charges brought against you because we deal with extremely high level and famous people who require extreme privacy when they come. I also gave no one any permission to use or spend money on my cash app because I've never given anyone the information to do so.
Product: Mortgage

We refinanced a mortgage through Bank of America to get my ex-husband off the mortgage and put my new husband on the new mortgage. The old mortgage had a loan modification processed by Bank of America and guaranteed through HUD. Before we went ahead with the loan refinance, we asked if the loan modification would be an issue. We were reassured that it would n't be. The refinance was completed in XX/XX/XXXX. On XX/XX/XXXX, we received a letter from HUD stating that BOA never sent payment for the loan modification and there was an outstanding balance of {$80000.00} due immediately. BOA claims they did n't find the subordinate lien ( even though it was done through their institution ) and therefore it was not their fault it was not paid. We are now unable to pay this debt. We are in danger of losing our house because of BOA 's fraudulent practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously, I made an investigation regarding some items with inaccurate information and after checking your response I recognized that some items are still incorrect, with a confirmed status. Please correct the following items listed below : XXXX  Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  Date of inquiry : XX/XX/2022, XXXX XXXX Date of inquiry : XX/XX/2022, XXXX  XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX  Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXX XXXX XXXX Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXX XXXX  Date of XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off some of the credit off and some was on consolidation and it is still affecting my credit score and shows delinquent
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I filed for XXXX  XXXX bankruptcy and included my previous XXXX XXXX, and XXXX XXXX accounts. Ive been on rebuilding my credit and decided to reapply for a XXXX XXXX line of credit in XX/XX/XXXX, and to my surprise, was approved. I was offered a line of credit in the amount of {$500.00} and was mailed a physical card with my name and customer account number. A few weeks ago, I decided I was going to make a purchase on their website but was informed that my account has been closed ( as of XX/XX/XXXX ) due to my credit history. XXXX not only reran my credit without my permission/knowledge but they closed a brand new account, which dropped my credit by XXXX points. In addition, I now show 2 inquiries when there should have one been one from XX/XX/XXXX. I called to discuss this matter with XXXX today and was told I need to file a written complaint. I spoke with a representative named XXXX XXXX and I speak with her supervisor, but she informed me that they would tell me the same thing which is to refer to the account closure letter that I received. This is a violation of my rights as a consumer and this has taken a toll on my credit that Im working hard to rebuild.
Product: Credit reporting 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. 

Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 st
ates 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

This collections is still being reported on all 3 credit agencies and I want it removed immediately. I have sent information and will upload it again. I would like for this company to send me the 1099c that should have been filed if this debt was charged off as it sates on my report. I will act under law if this information is not provided or if the information is not taken off my 3 reports.
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. 

Account name : # Account Name : XXXX  XXXX ACCT # XXXX Account Name : XXXX - XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX  ACCT # XXXX Account Name : XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX XXXX  ACCT # XXXX AccountName XXXX XXXX XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX XXXX  ACCT # XXXX Account Name : XXXX XXXXXXXX ACCT # XXXX Account Name : XXXX XXXX ACCT # XXXX Account Name : XXXX XXXXXXXX ACCT # 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: Prepaid card

I sent an email to Comerica Bank or Direct Express on Sunday, XX/XX/2023, which was three days after the investigation into my claim dated XX/XX/2023 had started, requesting to receive a provisional credit in the amount of {$550.00}. When I sent the email, I had not yet received their letter dated XX/XX/2023 nor the letter 's enclosed Questionnaire of Fraud form. 
Comerica Bank or Direct Express never issued me provisional credit in the amount of {$550.00} as they said they would in their letter dated XX/XX/2023, which I finally received on Saturday, XX/XX/2023, which stated the following : " If the completed Questionnaire of Fraud or a letter outlining your claim details is received within 10 business days from XX/XX/2023, and the investigation is not complete, a provisional credit will be issued to your card account by that date ''. 
In opening my claim over the telephone on XX/XX/2023, Comerica Bank or Direct Express refused to review or go over or to provide all of the transactions posted to my account after the deposit of my 2023 XXXX monthly benefit amount NOR gave me the amount of my claim, so I didn't, and I still don't know, whatall transactions were among those Comerica Bank or XXXXirect Express decided to dispute as unauthorized and to include in my claim in the amount of {$550.00}. 
Despite my having sent an email to them requesting provisional credit initially on Sunday, XX/XX/2023 ( which is attached ), I went ahead and resubmitted my second request for provisional credit by completing and faxing the Questionnaire of Fraud to Comerica Bank or Direct Express on Sunday, XX/XX/2023, as their letter dated XX/XX/2023 instructed to be done within 10 business days. However, no provisional credit was ever received or credited to my account. 
I received another letter from them the very next day after faxing back their completed Questionnaire of Fraud form on Monday, XX/XX/2023, which was dated XX/XX/2023 - just 4 days into the start of their investigation into my claim, saying my claim was denied without citing any evidence contrary to what I had claimed.
Product: Debt collection

I am not liable for this debt with XXXX I do not have a contract with SUNRISE CREDIT SERVICES, they did not provide me with the original contract as I requested
Product: Credit reporting

XXXX AND EXPERIAN ARE FALSING REPORT OLD MORTAGE LOANSMortgage account number XXXX and mortgage account number XXXX XXXX I started the hardship process with XXXX XXXX XXXX weeks prior to the closure of the short sale the loan servicer XXXX bundled my into a bulk sale/transfer of an new servicer XXXX . Subsequently XXXX providing false or misleading reasons for denying short sale and refused to handle my loan modifications without me first making a payment. The customer service agents at XXXX suggested I take a loan from my XXXX account to prove I was serious about resolving the matter. A loan was taken from my XXXX payments were made to XXXX up to XXXX XXXX and I was still unable to get assistance with a short sale or modification. XXXX year later, the deed of the property was transferred to the XXXX. All support history is attached. 
Experian is the only credit bureau who has refused correct the reporting mistakes by XXXX both XXXX and XXXX have been compliant with my request. 
Attached : XXXX XXXX Experian list XXXX as verified/updates with incorrect dataAttached : XXXX report of Experian reporting agency show the account status as deed in LieuAttached : Sherriff Sale of the property AttachedAttached : Deed transfer in lieu of for foreclosure