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

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible I the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This grounds for removal they also violated my rights under 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 : is also states a consumer reporting agency can not furnish an account without my written instructions OHIO DEPT OF HUMAN SERVICES - XX/XX/XXXX ACCOUNT # XXXX XXXX XXXX XXXX XX/XX/XXXX ACCOUNT # XXXX INQUIRY XXXX  XXXX NA XX/XX/XXXX REMOVE ADDRESS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX  XXXX CA, XXXX Address ID # XXXX Single XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX  XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX  XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX  XXXX CA, XXXX Address ID # XXXX
Product: Credit card or prepaid card

Wells Fargo Busness When I checked my account on XX/XX/2023 it was closed. I called and was told that they could not tell me why it was closed but I should receive a letter. I stated that I had not yet received it and they stated that I will be receiving it soon. I received the letter the following day and it vaguely stated that it had been closed after a review but no details as to why. I have called the bank and gotten the run-around and nobody can seem to tell me why it was closed. I have not been late on payments and am very confused!
Product: Checking or savings account

Good afternoon I opened a savings account at TD bank and deposited a check for a XXXX dollars. I have all the supporting documents that verify that the XXXX dollars went into the TD account. 

TD closed my bank account and now it doesn't want to return the XXXX dollars. Where do I have proof that the bank has them? 

Thank you very much.
Product: Debt collection

I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies. You reported this debt shows as an open account on my credit bureaus, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.1692 ( c ).
Product: Mortgage

I have been in contact with Mr. Cooper for several months now requesting an extension to my 12-month forbearance. They refuse to give me one even though I have a XXXX  XXXX  XXXX. They have also refused to provide me with any answers to any of my questions in writing ( I have all my messages to them saved ) concerning why I am not being given an extension. They refuse to offer me any kind of repayment plan ( other than pay my entire outstanding balance in one lump sum ), or deferrment. They are offer me pay up and foreclosure basically. I did get a hand delivered letter informing me that my forbearance was over and that I should call them. I have tried calling them and I usually get put on hold or hung up on. Now in defiance of this recent change in the regulation to restrict foreclosures until XX/XX/2022 XXXX today got a letter from some company in California that they have commissioned to start pre-foreclosure proceedings on my property. I'm sure they will be adding those fees to my bill along with other fees they were not supposed to charge to my account under forbearance. What can I do at this point to force them to comply with my request for a 3-month extension on forbearance? If I don't qualify for this restriction on foreclosure what can I do to compel them to provide me the reasons why in writing? And what further action can I take to save my home? What is especially infuriating is that I will be receiving an inheritance within the next 3-4 months ( possibly sooner once it is submitted for probate ) and they know that as I have submitted them the paperwork and yet they have gone ahead and taken this action to try and take my home away from me. They are also aware that I have six very old horses on this property and if it were to be foreclosed on they would not be able to be moved. But apparently this company doesn't care about those horses any more than it cares about complying with XXXX  XXXX  servicing regulations. I would appreciate any help you can give me.
Product: Debt collection

I received repeated calls trying to reach my partner on my personal phone number, this information was never provided to them. During phone conversation they was insisting that my number was provided to them. I verified with my partner that my number was never provided to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is an official attempt to correct or delete the inaccurate information on my credit report and to remove all fraudulent reporting immediately. This is not a claim of identity theft ; in fact, you are also aware of the violations youve committed by continuing to report this information. 

Ive notified you of inaccurate information on my credit report and yet, youve failed to enter the required notice of dispute pursuant to section 623. You are now in violation of said section by continued reporting and must immediately remove the inaccurate information found on my most recent dispute letter ( see enclosed ).

FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the complete-ness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

I am requiring immediately that you remove said inaccurate information in accordance with FCRA Section 623 ( a ) ( 3 ). 

XXXX XXXX XXXX XXXX account- XXXX Additionally, I am requiring that you provide me with proof that an investigation has taken place, including ( but not limited to ) : Documentation that was used to prove accuracy and come to a verified response Documentation proving that an independent investigation took place and that the use of e-Oscar was not your sole method of determination Documentation of who verified this information Copies of applications, contracts, transactions, etc. that verify ownership of said account information All other relevant documentation that supports your claim also I didn't get a 1099 c from XXXX XXXX. 

Lastly, you have not removed the additional addresses and other personal information that Ive listed as being reported incorrectly and now this is just a blatant disregard for my information. 



The ONLY information that should be reported on my credit report is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX SSN last four- XXXX/DOB XX/XX/1982
Product: Checking or savings account

TD Bank decided to close the banking relationship but refuses to release my funds even though I have more money than the hold is for. The account has been in hold status since XX/XX/26. They refuse to release any funds
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX reporting credit inquiry never applied for.
Product: Mortgage

XXXX XXXX XXXX sold our mortgage to Shellpoint XXXX XXXX XXXX made XXXX payments of XXXX to Shellpoint -I sold my house on XXXX and the title company requested a payoff quote from Shellpoint -the title company sent a check for the payoff amount ( {$69000.00} ) to Shellpoint XXXX -Shellpoint cashed the check on XX/XX/XXXX -at this point my account should have been closed -on XX/XX/XXXX Shellpoint sent the XXXX payments back to XXXX because they said it was sent in error. 
-our payoff is considered short XXXX -Shellpoint sent {$69000.00} in a regular check by first class mail to the wrong branch of my title company on XX/XX/XXXX. They did not inform anyone they were doing this. 
-My account now shows that I am past due XXXX payments.
Product: Vehicle loan or lease

I 'm XXXX 2014 I purchased a XXXX XXXX my finance amount was XXXX which is ridiculous even with negative equity. Santander Consumer USA is a joke. I was never told this simple interest. I have paid on my loan since then and my amount has barely been touch what I owe. It 's impossible to get anywhere near what I owe. I contacted them numerous times because we had a financial hardship. I have been harassed at work and cell phone with calls. I contacted them and went higher up. I did a program and lowered my payment for 6 months. It was supposed to be automatically withdrawn. It was n't. I was told no fees or payments would be accessed. I have some chat transcripts and more dates. I think they should have to eat the car and the money. I would gladly give back to them.
Product: Mortgage

Our loan was sold from XXXX XXXX to Rushmore Loan Management Services around XXXX. We have always been on automatic payment draft for years and the payment was drafted automatically from our checking account. For some reason as soon as Rushmore Loan Management Services took over the loan ; the automatic payment draft dropped off and they stopped taking the payment out of our account. From XX/XX/XXXX through XX/XX/XXXX we had many various medical emergencies and were under the impression that the payment was taken out automatically without delays. Come to find out in XX/XX/XXXX that they have not drafted the payment since XX/XX/XXXX and they have destroyed and damaged our credit with a 90 day late. We brought the payment up to current status immediately as soon as we found out and have tried to appeal to Rushmore Loan management Services in regards their late payment reporting which is not our own fault. Our complaints fell into deaf ears and Rushmore is not willing to do anything for us to fix their error. We have had our loans in the past sold to various companies and have never had this issue. The automatic payment has always continued to occur upon the transfer of the mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Bankrupcty reporting on my credit report that does not belong to me and the credit bureaus have said it is verified as mine.
Product: Mortgage

My name is XXXX XXXX. My wife and I are XXXX veteran and undergoing refinancing of our house to pay off creditors and student loans. We were with XXXX XXXX company but they were $ XXXX above Amerisave 's quotation, Amerisave mortgage company that contacted us stated they c an beat XXXX 's quotation. I talked to XXXX XXXX and he stated that " I needed to show some skin to show that I was serious with the loan and that was on XX/XX/2019 and on the XX/XX/XXXX th Amerisave deducted {$500.00} out of my XXXX XXXX checking account. Days went by and I was getting impatient of non responsive reply from XXXX regarding my refinancing and I had left several voicemail and had talked to his office mates and left messages to contact me. I also informed them that if they're not completing the transaction to refi ... to give back my {$500.00} back. I asked XXXX XXXX ( my XXXX mortgage financier ) if he knows which agency should I contact to informed them of Amerisave illegal act and unprofessionalism. 
Attached below is a copy of my mission bank statement regarding the {$500.00}.
Product: Vehicle loan or lease

On XX/XX/2018, I spoke with XXXX in the deferment department to set up a payment extension, and I was denied an extension because I was not working. Therefore, I asked to speak with a Supervisor XXXX XXXX. XXXX XXXX told me yes I qualify for an extension because it ' been over a year that I have paid my car note. However, because I am not working he will not give me an extension. 

Because of this errant handling of my request, they are definitely breaching my contract which states I am eligible for a extension because my account has been active for a year.
Product: Credit card or prepaid card

I opened XXXX XXXX credit card on XX/XX/XXXX and made a purchase on the same day in the store for which I made the payment same day. I was supposed to get a permanent credit card in my mailbox which I never got and I did not activate the card. I recently pulled my credit report to find delinquency on this credit card. I found that there were payments accumulating on my XXXX XXXX XXXX XXXX but, I never made any purchase with the card after XX/XX/XXXX. As per the company, there is a transaction of {$160.00} made through my card on XX/XX/XXXX. Due to no payments for this transaction, my credit score and credit report are being spoilt. But I never made this purchase as I never activated my card. I figured this recently and filed a complaint with the credit card company on XX/XX/XXXX, but they are taking too long to sort this out. I am unable to do anything without my credit score getting back to originally what it was.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a debt validation letter over 30 days ago to company XXXX and have yet to receive a response. They've been reporting negative and defaming information on my credit report as of XX/XX/22 in the amounts of {$2500.00}. This company is reaching out to me to collect a debt I never agreed or contracted to pay.I have sent a debt validation letter to this company and they never responded to my request. Since they have never supplied me with sufficient information in order to validate this debt, I don't not feel like my account was handled with accuracy and/or integrity. Therefore, with respect, I am challenging the accuracy and integrity of this information. 12 CFR 1022.41states ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( b ) Reflects the terms of and liability for the account or other relationship ; ( c ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer. 12 CFR 1022.41 ( d ) also states Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( e ) Is substantiated by the furnisher 's records at the time it is furnished ; ( f ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( g ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. Due to the number of inaccuracies, I know this debt is a mistake and shows this account was not handled with accuracy or integrity. Please remove this account from my consumers report. Due to the inaccuracies of this account I have been denied loans I would have been approved for had this account been handled with accuracy and integrity. This has caused me sleepless nights, stress and really bad anxiety. I've filed complaints with the XXXX  and the Attorney General in order to expedite this process due to the mishandling of my credit file.
Product: Student loan

I consolidated my student loans last year in XXXX with XXXX. I found out that XXXX loan through XXXX XXXX was not consolidated because they refuse to send XXXX the information about it. XXXX has continuously contacted them and no response. On XXXX/XXXX/15 I found out that instead of being sent to XXXX it was sent to collections. Now instead of the original amount, they have added interest and fines to XXXX the amount. I believe this is a total scam!
Product: Credit reporting or other personal consumer reports

I urgently need assistance to stop the reporting of certain items on my credit reports. Despite numerous attempts to address errors and fraudulent information with the three Credit Bureaus, the issue persists. Letters were sent to your office, but no response has been received, and the same items have reappeared in my latest credit report. Below is a list of items I am disputing. Immediate action is required to delete these items : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXX/XX/year> ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Debt collection

My credit report is showing that a loan I had with CitiMortgage is " Acct in Dispute. '' This account is closed and has been paid off. it is not in dispute. This inaccurate reporting has halted my ability to compete a loan for a new home ...
Product: Debt collection

COMPLAINT AGAINST : CONSUMER ADJUSTMENT CO = XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX AMOUNT IS : {$640.00} OR : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX SINCE XX/XX/2020 I HAVE BEEN SENDING DOCUMENTATIONS SUPPORTING THAT THIS DEBT IN THIS COLLECTION COMPANY IS NOT MINE.ALL REQUIRED DOCUMENTS BEEN RECEIVED BY THEM ALONG WITH WEEKLY REQUESTS TO REMOVE THE DEROGATORY COLLECTION DEBT FROM ALL 3 CREDIT BUREAUS.

I HAD 27 COLLECTIONS RESULTED THE IDENTITY THEFT IVE ENDURED AND THEY ALL WORKED WITH ME AND TERMINATED THE DEPILATORIES REPORTING TO THE BUREAUS EXCEPT THIS COLLECTION. 
I'M IN THE MIDDLE OF CLOSING ON A HOUSE AND THAT STOPS ME FROM MOVING FORWARD. 
I AM WILLING TO TAKE ANY LEGAL ACTIONS AGAINST THIS COMPANY IF NECESSARY. 

THANK YOU SO MUCH XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am ( 30 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this item however, I have not been successful.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I was contacted by the phone number associated with the XXXX XXXX Police Department. It was a person that claimed they were an Officer ( provided name, presinct and badge number ). They claimed that I had failed to appear as a court-ordered witness ( I am a XXXX XXXX ) for a case in XXXX XXXX on the previous day. After claiming they had body cam footage of the subpeona being delivered to my office and signed, I insisted that I had never signed a subpeona. They were understanding but asked that I come into the station for a signature verification. When I agreed, they insisted that I needed to place a payment for a Surety Bond that would be returned to me immediately upon verification that the signature they had was not mine. I became suspicious of a scam but after many " scare '' tactics, threatening pursuit of a criminal action if I did not comply and insisting there was a " gag order '' placed on the case, I was scared to deny them. I completed a transfer through Zelle from my bank to whom they insisted was an agent at the Federal Reserve that would verify the payment. The total amount was {$5000.00}. 

I soon after recognized that it was indeed a scam and immediately went to my bank branch to see if the transaction could be reversed as it still showed as pending in my account. The bank said they could not reverse a Zelle payment but gave me the number to submit a claim ticket to Zelle. I did submit a claim but they came back and said nothing could be done. 

I'm hoping I can get help in recouping the money that was transfered due to the scam. Attached is the police report, the transaction details from our XXXX account, and a letter from XXXX insisting they will not take further action after our request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX 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 or other personal consumer reports

I am formally disputing the inaccurate reporting of multiple late payments by these creditors to Equifax. Their records falsely reflect late payments that were, in fact, made on time. Despite my efforts to maintain a responsible payment history, these incorrect marks remain on my credit report, unfairly damaging my credit score.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA XXXX that you the TRANSUNION, XXXX AND XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX balance {$22000.00} This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.