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

On XXXX XXXX I submitted a dispute with XXXX, Experian, and XXXX stating that my address, and phone number were incorrect and needed to be updated. with my dispute I attached my driver 's license, XXXX phone bill, and social security card. I requested all 3 credit bureaus update my information. on XXXX XXXX and XX/XX/2023 I received notice via my XXXX portal that the information was accurate and verified. XXXX, Experian, and XXXX violated my consumer rights. they did not provide valid information that they conducted a reasonable investigation or show how my information is accurate. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S. Code 1681i - Procedure in case of disputed accuracy a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit card or prepaid card

I wanted to add money to a third party paycard named Skrill. They assured me that once I submitted proper documentation such as my state ID and a face identification photo that the money would transfer from my prepaid XXXX  XXXX XXXX Visa debit card to the newly made account that I made at XXXX on XX/XX/2020. The charge was made and is now pending but the actual account through Skrill does not say I have any cash on it. Please investigate the Skrill company. My account was at a balance of {$420.00} cents and now at {$360.00}.
Product: Checking or savings account

We were supposed to receive a payroll direct deposit, normally updated in our account at Capital One Bank, late Wednesday evening or early Thursday morning, with a paydate of Friday. As of this time today, XXXX XXXX, Friday, XX/XX/XXXX, we have not received the direct deposit. We have been told by the bank that there are technical issues, and that the situation will be rectified by Friday morning, but that has not happend. Capital One Bank is giving out no specific information, and there are thousands of customers affected. Two issues : 1 ) apparently this issue was known on Wednesday, XX/XX/XXXX, but I was only notified at XXXX XXXX. on Thursday, and the information was very vague, except to say that the deposits would all be made by Friday morning ; and, 2 ) since this the information was vague, we, the customers, have no idea when or if will be receiving our payments, and this payroll direct deposits are integral to our financial situations. Capital One is holding our funds without any recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are reporting an unsubstantiated claim by XXXX XXXX  XXXX XXXX Apartments a collection in the amount of {$3100.00} partial account number XXXX. ( Please see page attached from my credit report. ) I vacated the apartment complex within the terms of lease. I did not renew the lease. Prior to leaving, I spoke directly with the property manager and returned my keys. I asked specifically if there were any additional items that needed to be addressed and I was told there was nothing else ; I was told I would be getting my full security deposit back ; and I remember them wishing me good luck as I left the main office. It was only until I obtained a copy of my most recent credit report did I discover there was a collection. I was not aware of any collections or money owed to the apartment complex because I never received an itemization. In fact, I never had any communication from them. I do not now, nor did I in the past, have any outstanding debt with XXXX XXXX  XXXX XXXX Apartments. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute information directly with XXXX XXXX XXXX Mortgage, XXXX XXXX, Experian, and XXXX. Each time the information is updated as correct even though information / documentation supports my request and dispute. 

In XX/XX/2020 I was nervous with onset of Pandemic, my company was reducing pay, auto allowances, etc. The Cares Act was put into place to over COVID Forbearance. I was advised this would not have a negative reporting aspect on personal credit reports. This is incorrect. 

I paid my XX/XX/2020 pmt. and requested COVID forbearance out of fear of pandemic, not inability to pay. Immediately my credit score dropped nearly XXXX points. Once I noticed this in XXXX, I called XXXX XXXX and requested to be removed from Forbearance. I was advised that since I had a VA loan, I had to make 3 on time payments before my loan could be reinstated. XXXX XXXX XXXX0 I made payments on my mortgage that are not being reflected on my personal credit report. My report stated not reporting ; furthermore, my balances are not reflected correctly. All bureaus are reporting a different balance than the actual balance depicted on my report. 

I reached out to XXXX XXXX requested a payoff, that balance is not the balance reported. There was a discrepancy with my XXXX account, I requested an update, that balance is not what is reflected. My credit report states natural disaster / earthquake. As I stated there was not supposed to be negative information depicted on these reports. Not reporting accurate balances, payments, stipulating natural disaster, etc., are all items an underwriter will assess as negative. 

Companies need to remove and accurately report. I was not advised correctly and that was not anyones fault, we were in uncharted waters. My complaint is once I noticed I reinstated my payments, and they are not reflecting on my credit reports. 

Sincerely, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refusing to update my account with XXXX XXXX XXXX XXXX. First dispute sent XX/XX/XXXX requesting the information be validated or removed. Experian was report 28 consecutive months as " CO ''. Reply the information was accurate. Continue to sent dispute from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Last dispute reply file was update to change the " CO '' from XX/XX/XXXX to Current date of XX/XX/XXXX restarting the statue of Limitations
Product: Mortgage

I received a call in XX/XX/XXXX from my mortgage company, claiming I did n't make a payment, however I was able to show proof that the payment was made and an investigation within the bank was initiated. Over the weekend I received another call claiming that my mortgage payment for XX/XX/XXXX was past due, and had to explain that an investigation was already underway. From what the representative told me on the phone, she shows that all payments have been received, and not sure why there is an issue, and that my " late '' payments are now impacting my credit score.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act ( FCRA ), as delineated in 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies must execute their significant responsibilities with fairness, impartiality, and a profound respect for the consumer 's privacy rights. XXXX, TransUnion, XXXX XXXX XXXX, and XXXX, being consumer reporting agencies, hold this obligation. As a federally protected consumer, I have the right to safeguard my private information, as reinforced by 15 USC 6801, which underscores the Congressional policy of ensuring financial institutions respect customer privacy and safeguard nonpublic personal information. 

Furthermore, entities providing information to credit agencies, categorized as financial institutions under this statute, are bound by 15 USC 1681 section 604 ( a ) ( 2 ), requiring consumer reporting agencies to furnish consumer reports solely in accordance with the written instructions of the concerned consumer. XXXX, XXXX, TransUnion, XXXX XXXX XXXX, and the financial institution furnishing information to credit agencies lack my consent to furnish this information, let alone my written consent and violate their own terms and conditions by sharing information with nonaffiliate. Consequently, any and all consent, whether verbal, non-verbal, written, or implied, to XXXX, XXXX, TransUnion, XXXX XXXX XXXX, and the aforementioned financial institution is hereby revoked. 

Moreover, 15 USC 6802 ( b ) ( c ) mandates that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise the nondisclosure option. Regrettably, I have not been informed of this right by the financial institution furnishing information to credit agencies. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. Despite this, the account in question is being reported without my permission, contravening the law.

Further, 15 U.S. Code 1681s2 ( A ) ( 1 ) dictates that no person shall furnish inaccurate information relating to a consumer to any consumer reporting agency. XXXX, XXXX XXXX XXXX, TransUnion, and XXXX, therefore, are failing to maintain reasonable procedures to avoid violations of this statute, as required by 15 U.S. Code 1681e.

Finally, pursuant to 12 CFR 1016.7, I am exercising my right to opt out of your reporting services effective immediately.
Product: Debt collection

Hello My. XXXX is XXXX XXXX i am making this police report about a derogatory mark the company called L.J ross Associat put a derogatory mark on My crdit report. I contact this company and ask for information. They don't want to give me any information. And they Say i have to call to XXXX and XXXX Say i have to make a police report. In order they can remove this derogatory from My crdit report plese someone can helpe. I am follow all the step in order. And i need helpe to remove this derogatory mark from My crdit this is a police report i am doing...
Product: Credit card

I was given a credit amount on the XXXX account to payoff at XXXX interest. That promo ending in XXXX without me knowledge. When I received the bill for the remaining balance or about {$3300.00} and a new charge of approx. {$2400.00} in interest charge I immediately contacted the company. I was told paid off the {$3300.00} balance in full and they would waive the charge. I did in fact paid the account in full on in XXXX before the deadline ( see attached screen shot ). A few days later noticed the payment was stopped by my bank and I had to ok it for them to go ahead and put it through which I did. It was posted on XX/XX/XXXX. I contacted the company and told them what happened. They said no problem they would have the {$2400.00} in interest waived via an exception. Since that date I have reached out no less than 5 times confirming the fee would be waived and was assured each time that was the case. The last time I contacted them was XX/XX/XXXX. I was getting concerned the fee was still there so this time I got a screen shot of the Rep telling me not to worry the fee would be waived and the account would be paid in full when the next statement comes out on XX/XX/XXXX. I checked on the XXXX ( today ) and its still there. Contacted them AGAIN and was told sorry nothing we can do you have to pay the {$2400.00} fee. I explained several times that multiple reps from the company had committed to the fee being waived and even verified with that supervisor their own record of that communication shows the rep telling me it would be waived and paid in full ( see attached screen shots ). I was told by multiple XXXX XXXX over the course of a month and a half the fee was waived and now they will not do so even though they have clear record of their people telling me they have waived the fee.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$4200.00} LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$5900.00}
Product: Debt collection

We are sick and tired when our true and lawful Attorney-in-Fact XXXX OVERSEER AND SUCCESORS, A CORPORATION SOLE ( hereinafter " XXXX '' ) contacts BANK OF AMERICA , NATIONAL ASSOCIATION ( hereinafter " BANA '' ), and COUNTRYWIDE HOME LOANS, INC. D/B/A BANK OF AMERICA HOME LOANS ( hereinafter " CWHL '' ) at ( XXXX ) XXXX or ( XXXX ) XXXX about BANA and/or CWHL not complying with Federal Law when BANA and/or CWHL has never properly sent or shipped any " NOTICE OF ASSIGNMENT, SALE, OR TRANSFER OF OWNERSHIP OF MORTGAGE LOAN '' ( hereinafter " NOTICE '' ) ( open " First Attachment '' ), dated XXXX XXXX, XXXX, even though BANA and/or CWHL claims that the Creditor is not BOFA MERRILL LYNCH ASSET HOLDINGS, INC.? 

XXXX constantly calls BANA and/or CWHL to produce all new " NOTICES '' under Federal Law from the last time BANA or CWHL officially shipped a " NOTICE '' on XXXX XXXX, XXXX. BANA and/or CWHL employees, representative, agents, and managers give XXXX the runaround, BANA and/or CWHL never responds, calls, faxes, or emails XXXX. XXXX also gets numerous amounts of Reference Numbers, Request ID Numbers, and Case Numbers, that BANK and/or CWHL never, ever addresses or properly responds too. BANA and/or CWHL hopes XXXX goes away by constantly and intentionally ignoring XXXX 'S ongoing request for BANA and/or CWHL to produce all " NOTICES '' that took place from XXXX XXXX, XXXX to XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 be 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and around XX/XX/2019 my XXXX XXXX auto loan was reporting the wrong amount owed to Equifax as well XXXX therefore an inquiry was initiated to have it corrected. The following month my auto loan account was completely erased. 
Instead both XXXX and Equifax has deleted my account completely affecting my credit score and report. I have contacted XXXX XXXX in regards to assisting both bureaus on reporting the right info to no avail it haven't been fixed. A representative from XXXX XXXX told me that my account should be reporting to all 3 major Equifax, XXXX  and XXXX correctly after XX/XX/2019. I know that XXXX and Equifax has had my credit accounts mixed in the past and has had a " mixed profile '' after my Identity theft.
Product: Checking or savings account

I opened personal checking accounts in CITI Bank, in XX/XX/2022, then I deposited my clients checks into the account and also ask XXXX to deposit my money into one of the accounts, but all of sudden my bank app didnt show my accounts information then I called the contact us the agent told me your accounts are suspended as of XXXX XXXX and you will get your money that you deposited within 30-60 days. I waited 30 days no checks arrived I called again they said its in process by Fraud Department I asked why thy said you deposited business checks into personal checking and this is against Citi bank policy, I said so this is a mega crime and I have to be punished? No answer or explanation was given to me exempt its against bank policy. I waited 74 days then called again and now they said there is no money in my accounts and I have to contact the clients issuers of the checks and ask them if they can issue another check.

Im writing this complaint because bank treated me like a criminal just for depositing business checks into the personal accounts and no answers for XXXX benefits what happened. 
I like to seek help from you because my numerous contacts with the bank lead me no where with all my deposits and funds that they confirm by mail. 
Please Help, Many thanks in advance, Regards XXXX XXXX
Product: Credit reporting

currently in litigation with XXXX banks who appear on my credit report i asked for information to be removed due to inaccurate reporting information on these XXXX accounts they remain on my credit report dragging my score down, when they should not be there after researching ohio law!! fair credit act.
Product: Credit card

I pay my Citi credit card balance in full each month. Citi sent an offer to reduce my interest rate on outstanding balances and I applied. 

This appeared in my statement for my account paid in full : Interest + {$23.00} Billing Period XXXX Interest + {$18.00} Billing Period XXXX I called XXXXCITI ( XXXX ) and they explained that it was interest on the outstanding balance at the reduced promotional rate. I explained that the balance was paid in full each month. They put me on hold, researched the issue, and agreed to credit {$41.00}.
Product: Debt collection

Phoenix Financial Services did what needed to be done. Phoenix I have sent both letters to XXXX and XXXX credit bureaus and they still haven't deleted off my report. I know you have sent them letters as well because you stated in the letters. I have sent them so many letters and still not deleted off my credit. Phoenix since you the one reported to them can you please reached out to them. I also made a complaint against XXXX case # XXXX with the Consumer Financial Protection Bureau stating they will be doing a investigation and I have to reached out to the creditors. I have reached out to them. I did and compliant against the XXXX as well with case # XXXX and doing investigation. I am attaching the letters you have sent me on XX/XX/2021. Please called or send them a demand letter to deleted this. Account numbers are XXXX, XXXX. Thank you.
Product: Student loan

I set up a reduction rate payment plan with Navient on XX/XX/2018. They insist on asking you questions and getting detailed numbers on your entire life expenses before the person on the phone determines what your payment plan should be. I begged the Navient employee to help me with a payment that could be lower than {$400.00} because I am already paying another loan servicer $ XXXX and that will make me have to pay double rent every month. She said over and over again that my payment would have to be {$420.00} ( previously {$390.00} ) and they couldn't go any lower because " that's what the system will allow ''. So I eventually agreed and gave my debit card to have the money taken out ( they said I can only have the rate reduction program if they have my card information ). The first payment was scheduled to be taken out on XX/XX/XXXX but it wasn't and now I'm delinquent a payment. When I called today and spoke with XXXX, employee ID XXXX, she told me she couldn't do anything about it and my bank " didn't allow the payment ''. I begged her to bring my payment current and she said there's nothing she can do to help me lower my payment or bring me current.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

19. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

20. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

21. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

22. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

23. Identity Theft XXXX XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

24. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

25. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

26. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

27. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

28. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

29. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Debt collection

This company sent me the medical debt that's not mine. Their staff is rude and threatening. I need to report this because it's not a mistake and they are doing it to a lot of customers. 

See their XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX