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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Not enough information to verify debt : In XX/XX/XXXX, XX/XX/XXXXand XX/XX/2019 I requested an investigation be conducted by the credit bureaus of an alleged debt owed by me. Account # XXXX in the amount of {$810.00}. A proper investigation according to the FAIR CREDIT REPORTING ACT section 609 ( a ) ( 1 ) ( A ) requires verification through the PHYSICAL verification of an original signed consumer contract and not an Electronic or XXXX   verification under which a lot of investigations are being conducted. This software has limitations when it comes to conducting a proper investigation of records. To which I have recieved verified as accurate without recieving the documentation that I have requested which I am entitled to by law.
Product: Debt collection

I was a customer of XXXX for about 8 years, I moved and cancelled my service on XX/XX/XXXX directly with XXXX, they said they would send something to send back the modem, however I never received any package or envelope. I still have modem. I paid the final bill in XX/XX/XXXX, but now XXXX XXXX XXXX XXXX   Collectors are repeatedly calling multiple times per day at my place of employment trying to collect {$480.00} that they claim I owe XXXX. I tried calling XXXX but didn't get a call back from their executive office, I left a voicemail and also had a XXXX representative who took the information down and said someone would call me. I wrote them a letter with no response. I have asked the collection company to stop calling that I don't owe the debt and one woman threatened that she would see me in court then. But they keep calling. the collectors are rude, abusive and forceful, they don't listen that I don't owe this debt, and they call too late and too early in the a.m. they have called at my employer as well asking for me. The collectors refuse to give their names. they give the name of the agency but not their names.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are failing to update my credit report to reflect medical collection accounts that are currently in dispute. The dispute letters were sent out over ( 30 ) days ago which is more than adequate time for review and updating of my credit report. I respectfully request that this be addressed immediately. I have contacted the ( 3 ) bureaus to fix this issue, however I have not been successful. Please update my credit report to reflect line items that are in dispute.
Product: Credit card or prepaid card

My texas unemployment card has not been received and from the correspondence box on XXXX  website it shows my information wad sent to an old address. We do not have and/or received a payment card and can not access our unemployment benefits. WE CAN NOT GET THROUGH TO ANYONE VIA TELEPHONE AT EITHER XXXX AND/OR RELIACARD.
Product: Debt collection

I received a collection letter from PennCredit in XXXX XXXX regarding a delinquent utility bill from " XXXX XXXX XXXX or XXXX '' for {$240.00}. In addition, I received approx. 5 calls per day, every day ( even weekends ) regarding this debt. I responded back with a certified letter disputing the debt due to identity theft, and did not hear anything back until today ( XXXX XXXX XXXX ) when I received several calls related to this debt. It would appear that PennCredit chose to ignore the dispute of the debt and is still attempting to collect on it, despite violating FDCPA.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been reported on my account for over 8 years for XXXX federal
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account no. XXXX XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. 

XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. XXXX X, Has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. 

TRANSUNION : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account no. XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction.
Product: Debt collection

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. Please provide verification of your companys HIPAA authorization and proof that you have not abrogated my rights under the HIPAA Privacy Rule. Pending my receipt of proper documentation and in accordance with federal statutes, cease and desist reporting to the credit bureaus. 
XXXX XXXX XXXX ( XXXX : XXXX XXXX  XXXX  ) XXXX Opened XX/XX/2021 Balance {$1000.00}
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 : XXXX XXXX XXXX Account name : # XXXXXXXX XXXX XXXX XXXXXXXX Original creditor : XXXXXXXX XXXX XXXX XXXX CONTACT NAME XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( 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: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing this account for the past year now and EXPERIAN still hasn't fixed this problem and i've been getting very frustrated with this errors on my credit report. I want to seek damages for financial injury for reporting INACCURATE information in my payment history. This has took to long and I need this done now. They have been manipulating the statue of limitation and reporting C/O every single month on my credit report. 

Experian stated my account was properly investigated but how is that even possible if the date of last activity is incorrect and the dispute status saying not disputed when I myself been disputing this account several times!!! 

Also EXPERIAN company has took more than 30 days to complete my investigation.

According to 15 U.S.C 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want thousand per violation that's reporting on this account or it needs to be DELETE IMEEDIATELY! 

XXXX OF XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ZIP XXXX Social Security Number : XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Incorrect Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I noticed the following entries contain errors : XXXX : XXXX XXXX XXXX I am disputing these items based on their inaccuracy, supported by recent developments and findings in legal cases against credit reporting agencies, including XXXX. 

Recent Lawsuit Findings : In separate rulings, courts have determined that XXXX failed to maintain reasonable procedures to ensure maximum accuracy of consumer credit information. These findings highlight systemic issues within the bureaus ' processes that may directly impact the accuracy of reports like mine. 
Consumer Reporting News : Reports have surfaced indicating that systemic flaws in the verification and dispute-handling processes of XXXX have led to widespread errors. As a consumer, I expect these bureaus to uphold their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and conduct thorough investigations of disputes. 

I have attached copies of supporting documentation to aid in your investigation, including : A copy of my credit report highlighting the disputed items. 
Documentation supporting my claim of inaccuracy. 
Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by law. 
Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies. 

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

I have disputed these accounts several times with Experian and each time they have return a letter stating they belong to me and that they have been verified. NO method of verification has ever been mailed to me or provided online. These accounts have been sold and are reporting with an active balance each month as if they are open past the 180 days statue limitations. They are violating my FCRA rights by doing the following. 

C/O are repeatedly reporting every month Not reflecting a XXXX after accounts have been sold Date of first delinquency was allegedly changed Changes made after XXXX charged off status I want the following accounts removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$280.00}
Product: Credit reporting or other personal consumer reports

I received a credit alert from Experian saying I have a delinquent unpaid account of {$1200.00} from XXXX XXXX XXXX. I don't remember having an account with XXXX XXXX. I monitor all my financial transactions and obligations and I don't know XXXX XXXX. I believed this is identity theft and somebody is using my information to obtain/apply credit card under my name. Please review and remedy. Please reach out to me if you have further questions. ( XXXX ) XXXX. Thank you and have a nice day. 

XXXX XXXX
Product: Mortgage

This is a copy of an email I sent on XX/XX/XXXX to NewRez LLC / Shellpoint Mortgage Servicing that describes the complaint as well. 

XX/XX/XXXX NewRez LLC / Shellpoint Mortgage Servicing XXXX. XXXX  XXXX XXXX, SC XXXX RE : NOTICE OF ERROR Dear NewRez / Shellpoint Mortgage Servicing Staff : I am sending this NOTICE OF ERROR to notify NewRez LLC / Shellpoint Mortgage Servicing for the fourth time that the company has NOT paid my Property Taxes for my property located at XXXX XXXX XXXX, XXXX NH XXXX. This tax was due on XX/XX/XXXX, and I am including a copy of the tax bill with this email. My Escrow Account with NewRez currently has {$5600.00} [ this amount is now {$6200.00} ], and has had plenty of funds in my account to pay this bill when and since it was due. 

This is the fourth time [ since the sending of this email, there were three additional contacts with NewRez for a total of seven contacts ] that I have notified NewRez LLC / Shellpoint Mortgage Servicing over the past month [ this has now been two months ]. I called your customer service department on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX [ later XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ]. Each time I was assured by your representatives that they could see the error and that the payment would be made as soon as possible, but that it could take a couple of weeks and that the company actually had 30 business days to make the tax payment. During the last call on XX/XX/XXXX, I was told that the matter would be escalated, and that I would receive a call back on Friday, XX/XX/XXXX, with a status. I did not receive a call back. At this point, I am very disappointed, but I am also very concerned [ on XX/XX/XXXX, I was told by a representative that the taxes were set to be paid on or before XX/XX/XXXX, so I have waited, and the taxes have still not been paid as of XX/XX/XXXX ; on XX/XX/XXXX, I was told that the issue has been escalated and someone should contact me back within 48 hours ]. 

Please pay the property tax payment of {$3300.00} plus any additional fees and interest, which representatives have assured me will be paid by NewRez, and resolve this matter as soon as possible. Please let me know if you need anything else from me.
Product: Debt collection

Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by IQ Data International. IQ Data International does n't have the rights to collect debt in the State of Texas? They are not abiding by the Law accordingly to the State of Texas and they supposed to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. I sent IQ Data International a creditors validation letter to support their rights to collect a debt as a third-party debt collector in Texas. So, I checked the Secretary of State Texas Debt Collections Division website and found out that IQ Data International is breaking : " Texas Finance Code section 392.101 which prohibits a third-party or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtained a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, you can not operate in the state of Texas with a P.O. Box '' I am in need of another Investigation to remove them from my credit report, please. In my case against IQ Data International, they are not registered with the State of Texas proven they have the right to collect debt in Texas.
Product: Checking or savings account

On XX/XX/2020 I went to Chase Bank to open new checking. I had an offer with me ( postal offer ) which says, " Get {$300.00} once you open a new checking account and set up and receive direct deposit totaling {$4000.00} in the first 90 days. '' After reaching the branch I met with a banking personnel ( Ms. XXXX XXXX XXXX ), I showed this coupon to her which she said the bank will honor this coupon. After this I opened the bank account and set up the direct deposit which totaled beyond {$4000.00}. After meeting all the conditions i still did not receive my offer, after calling to customer care, they registered my case XXXX XXXX XXXX XXXX XXXX ). After 3-4 days I got another phone from Chase case department and they told me that they will not be honoring that coupon as i closed my previous account last year. I tired explaining them that I already said the same things in the initial time of opening the account and that time your guys promised me that they will honor it and after 2.5 months you are declining it. She kept on apologizing as their banking officials but refused to honor this and told me to check with branch officials and closed my case. I completely felt cheated as I didn't conceal anything and told everything before clearly.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} -Late/Closed
Product: Credit reporting

XXXX reported to Equifax Credit Report on the following dates to obtain information for a hard inquiry : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX PULLED MY CREDIT REPORTONXX/XX/XXXX, AFTER CALLING SAYS IT WAS IN REGARDS TO A CLOSED CARD DATEDXX/XX/XXXX, THE INFORMATION WAS GIVEN TO XXXX XXXX XXXX XXXX XXXX S.CarolinaXXXX , no phone number was supplied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a charge off with XXXX. XXXX transferred the account to XXXX. I paid off the charge off in full on XX/XX/XXXX. XXXX said they would report to the Credit bureaus. They didn't. Experian said they can't change the status because XXXX no longer has the account and they don't contact the new account holder. 
XXXX  3x has given me 3 separate dates that they will report this to all 3 credit bureaus including that it may be several months because the are new at this. 
The Account should read charge off paid in full instead off just charge off. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

while login on to my credit monitoring site I notice a few accounts on my report that does not belong to me I would like for these fraudulent accounts removed asap these accounts or on my XXXX, XXXX, and my XXXX as well 1.XXXX XXXX {$31000.00} date open XX/XX/XXXX 2.XXXX XXXX XXXX XXXX   {$2100.00} date open XX/XX/XXXX 3. credit collection serv {$910.00} date open XX/XX/XXXX
Product: Credit card

Subject : Complaint Regarding Missing Rewards Points on Ulta Rewards XXXX To Whom It May Concern, I am filing this complaint against Comenity Bank, the issuer of the Ulta Rewards XXXX, due to ongoing issues with missing rewards points. The credit card program explicitly advertises that cardholders earn points on both Ulta and non-Ulta purchases. Since opening the account in XX/XX/year>, I have made over {$1000.00} in Ulta and non-Ulta purchases and have not received any points for these transactions, despite paying my bills on time and in full every month.

I have contacted the credit cards customer service department more than five times to resolve this issue. Each time, I have been given vague responses and promises of follow-up calls that never happen. Despite my persistence, no one has provided a resolution or credited the missing points to my account. 

This situation constitutes a failure to deliver the benefits promised under the terms of the credit card agreement. I have reviewed the terms of the rewards program, and my purchases clearly meet the criteria for earning points.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a formal notice that you are reporting Late Payments that are Billing Errors pursuant to 15 U.S. Code 1666 ( b ).
Product: Vehicle loan or lease

I am writing this Complaint concerning the high interest rate on my Used XXXX  XXXX. I understood I signed all the paper work for the car and the interest rate. I am not struggling to pay the note but my concern is the interest rate being 21 percent. I know if I could get the interest rate lower the note will automatically get lower. This complaint or concern is for Credit Acceptance.
Product: Checking or savings account

On XX/XX/XXXX I tried to open up an account with popular bank in XXXX XXXX. They ran a report with XXXX XXXX and declined me as a client. I contacted XXXX XXXX and got the report that they were using because popular bank would not tell me why they were declining me. I went over the same report that was used to decline me and there was no negative information on the report and customer service from XXXX XXXX agreed that popular bank was acting strangely. I went back to popular bank and showed them the report and said maybe there was a mistake made and they said no they do not want me as a client and refuse to tell me the reason why and said it was their right to decline anybody they want and not tell them why. If that's the case I think that's very unfair for a product to be declined to somebody for no reason given and should not be legal. It's very possible and even likely that this is discrimination.
Product: Mortgage

Company is Dovenmuehle Mortgage , Inc Phone # XXXX lossmitigation Account # XXXX My Name XXXX XXXX XXXX I applied from XXXX because I'm behind only one payment. I sent all my documents and paystubs. In this moment almost 6 months later, I'm still waiting for my application, every body said is complete and still in review with the specialist. I call every week to follow-up. Customer service all the time sent emails to updates, but never I received any answers or decisions about my application. Today I called XXXX to find counseling. 
Yesterday Dovenmuehle sent to my house a old lady to put the note in my front door and she takes a lot pictures for my house without permission. Dovenmuehle all the time explainme during this process my mortgage is frozen and nobody report nothing for my credit bureau, but is not true This company report {$10000.00} to my credit bureau. 
I needs to find out what's going on with my application. I not wa n't to lose my home. 

My phone # XXXX I needs somebody's help me whit this process. 
Thanks in advance XXXX XXXX