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

You have lied to me about the accuracy of my credit report. The collection agency said they sent the correct details which they didn't verify. They blame you for inaccuracy of my credit report. You need to understand the U.S Federal laws while operating in the U.S. I have attached the CFPB complaint of them Collection Company statement. If you have conducted a reasonable investigation. LETS READ ABOUT A REAL INVESTIGATION. ( FACT ) Improper investigation and/or no investigation conducted as prescribed by the following terms of investigation. 1681 ( a ) ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. YOU HAVENT CONTACTED ANY OF MY NEIGHBORS WHICH I HAVE THEIR STATEMENT FOR PRROF IN COURT. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. All entities involved have stated several times that the account ( s ) have been verified, validated and investigated. Yet based on the credit reports, all data must be 100 percent accurate or be removed. The credit reports differ and has information between all 3 reports, that are completely different. ( Drastically different ) See attached credit report. You should have seen the mistakes of the Date Opened. Why the date Opened on XXXX XX/XX/XXXX, XXXX & Equifax says XX/XX/XXXX. This is very misleading information which you know are errors on my credit report. The banks think this account not accurate. I recommend you delete this error. I can speak with my Attorney General, but I am trying to resolve with you Politely. I advise you to give this matter to your Collection Manager so he or she could read the following statement since you failed to do so. I just want to know how you could report to XXXX & XXXX Date Last Reported XX/XX/XXXX, & Equifax XX/XX/XXXX? Like Which Date Is it? Second Violation. You also reported Date Last Active XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and Equifax XX/XX/XXXX. This ridiculous you continuously to break the LAW. They must match across all three which they don't, SO DELETE THIS COLLECTION. READ THE ATTACHMENT & ANALYZE & DELETE DUE TO YOUR CARELSS MISTAKES FOR 2 YEARS.YOU HAVENT CONTACTED
Product: Debt collection

I have attempted to resolve this issue with RENT RECOVERY Solutions on two occasions by sending them letters requesting them to validate the debt that they are reporting to my credit report. I recently sent them a letter on XX/XX/2022 30 days ago and have not received any response. I am providing the tracking number XXXX that shows that Rent Recovery has received my letter, I addressed the letter to XXXX XXXX, Executive Vice President. I do not agree with the balance that Rent Recovery is stating is owed to apartments XXXX XXXX. I also was not notified by the apartment complex XXXX XXXX on any eviction and was not served any eviction notice, I do not agree with the charges that XXXX XXXX is claiming that is owed to them. Also Rent Recovery is not reporting this with an actual name on the XXXX credit report I was unable to address this account within 30 days before it reported to the credit reports due to the fact that there is no debt collector name attached it simply states XXXX XXXX ' I have attached a copy of the credit report as well to show that this account is not reporting accurately in several aspects.
Product: Checking or savings account

When i check my account the running balance the posted and pending transactions are deducted from what is shown as available. But once the pending charge posts that money is again deducted from my balance. Also the records for my account show that I opened the account with a negative balance. And every transaction that has gone through is then calculated wrong. For example $ -XXXX was my opening balance and I deposit $ +XXXX it would show my balance as $ -XXXX. Or $ -XXXX and I spend XXXX it shows as $ -XXXX - $ -XXXX = $ -XXXX. This is only one of the errors my bank makes that has caused my wife and I to lose an apartment we were supposed to move into and caused us to become homeless and lose our jobs. Another thing they have done is not allowing me to stop or charge back any unauthorized charges made to my account. They make me wait until the charge posts then I have to dispute it and they " investigate '' which takes 6 weeks and the outcome is always, and this is a direct quote, " not in favor of the customer '' even when i presented the paperwork showing that my card number had been entered manually and proof that the bank requested that I was not even in the same city at the times these transactions occurred. The bank had shut down my card then called me to alert me the transactions had happened without my authorization. I never received the money that was stolen because the banks investigation results were " not in favor of the customer ''. When I went into the branch to show the branch manager her response was it's different because you're not on a computer. Also I noticed that at least a month of transactions is missing between XX/XX/XXXX and XX/XX/XXXX which you will see in my attachment. She completely ignored me when I pointed out that it shouldn't matter if I'm on the mobile application, mobile site, computer site or the branch, the information should be the same. And to dismiss me, She printed out the statements from XX/XX/XXXX present and gave me a highlighter to go over. There was no attempt at explaining, apologizing or rectifying the situation. My concern is that the consumer side websites and apllications are intentionally wrong so that money can be skimmed off without anyone knowing. The branch computer then becomes the only place to get account details which forces the customer to accept that information as fact which then takes away the customers ability to manage their own finances. On XX/XX/XXXX our running balance was XXXX $ and some change then after my wifes paycheck was deposited on XX/XX/XXXX, which was XXXX $ the running balance went to XXXX . The bank claims there was only XXXX $ in at the time of deposit but the mobile app and website both say XXXX . We are missing an immense amount of money due to the bank branch having what must be a completely separate ledger than the one I have access to online. The branch withheld several months of statements from XXXX after i requested all statements from XX/XX/XXXX - present and several months are missing from XXXX online. The nearest i can calculate missing is {$13000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX XXXX XXXX I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please fix the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. XXXX XXXX Date Opened XXXX XX/XX/15 Balance : {$270000.00}
Product: Debt collection

The account was in my fathers name and my mom also signed a few documents. I sent the collection agency a letter proving my mom 's signature was not mines and they threatened to keep it on my credit after telling me to write them a letter explaining the account and them seeing my mom 's signature. They compared the two and still threatened to keep it on my credit. I was never informed the account turns over to me after a certain age, and I have never received any mail about the finance and billing on the account. There adding fraudulent balance and I want this account to be removed or I am going to sue the company. It's been 6 years that I have been trying to remove this account.
Product: Credit card

I previously filed a complaint with this CFPB about Capital One when it violated its credit card agreement by charging interest during a month when I paid the entire balance. In XX/XX/2023 the company responded to CFPB that it needed more time but responded to me only by raising my credit limit, which I had not requested. 
Since XX/XX/2023, my only income has been $ XXXX stipend to work full-time for a not-for-profit organization. I used credit for necessary expenses and am now over the limit. The minimum payment the company is demanding is more than $ XXXX. I continued to make minimum payment for many months when the money was critically needed elsewhere. I was unable to pay auto insurance due XX/XX/XXXX and am therefore in jeopardy of losing the $ XXXX stipend and having no income and way to eat. 
I tried to contact Capital One to request a payment plan rather than be forced into personal bankruptcy and have found there is no way to do this.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account XX/XX/XXXX {$420.00} placed in collection from XXXX XXXX XXXX. XX/XX/XXXX {$560.00} placed for collection from XXXX XXXX XXXX. XX/XX/XXXX {$770.00} placed for collection from XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX {$1200.00} placed for collection from XXXX XXXX. XX/XX/XXXX {$1500.00} placed for collection from XXXX XXXX XXXX XXXX XXXX. 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.
Product: Debt collection

I recently received a civil suit notice from the local court stating that XXXX XXXX XXXX filed a lawsuit against me. I called them to get more info on the account. They stated that I took out a PayPal credit card account in XXXX of XXXX  and did not pay the balance. That is incorrect and I never took out an account. I would like to dispute this charge and have it removed from my credit.
Product: Credit reporting or other personal consumer reports

Dear XXXX and Transunion, Ive recently checked my consumer report and noticed some inaccuracy, late payments, and undisclosed third party from the reporting credit agencies. Please reinvestigate the following accounts below : Collection Agency : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to 15 U.S.C 1681 E ( b ) states that 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 U.S.C 1681 A ( c ) state that any report in which a person who has been requested by a third party to make a specific extension ofcredit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of theperson to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; ( Meaning a corporation/business can not involve an any other corporation/business ( third party ) without consumer decision respectfully. Must come with name and address to whom the request was made.

Im requesting an deletion if the creditors procedures cant be proven.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there is still an inquiry that needs to be DELETED. The Credit Bureaus must delete this inquiry under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed inquiry be DELETED immediately. 

XXXX XXXX XX/XX/2021
Product: Checking or savings account

I was scammed by a friend on XXXX. Impersonating my friend. Sent money via XXXX. Realized instantly. Called bank. They could not decline charge. Refused to stop payment. Refused to help. Refused to send me my dispute document that I requested. Said I would not receive my money back. Spoke to a manager, he also could not help or provide anything I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$230.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$680.00} XXXXEQUIFA XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unauthorized inquires on my credit report which I Did receive any lines of credit nor am I familiar with the companies. I have listed the dates and companies of the inquires below : Company : XXXX Date:XX/XX/XXXX : Company:XXXX XX/XX/XXXX Date:XX/XX/2019Company : XXXX XXXX Date:XX/XX/2019 Company : XXXX XXXX   XXXX Date:XX/XX/2019Company : XXXX XXXX XXXX XXXX   Date:XXXX Company : XX/XX/XXXX Date:XX/XX/2019 Company : XXXX Date:XX/XX/2019 Company : XXXX Date:XX/XX/2019 Company : XX/XX/XXXX Date:XX/XX/2019 Company : XXXX XXXX Date:XX/XX/2019 Company : XXXX XXXX Date : XX/XX/2019 Company : XXXX XXXX Date:XX/XX/2019 Company : XXXX Date:XX/XX/2019Company : XXXX Date:XX/XX/2019Company : XXXX XXXX Company : XXXX XXXX XXXX Date : XX/XX/2019 Company XXXX XX/XX/XXXX XXXX Date : XXXX Company XXXX XXXX XXXX Date:XX/XX/2019 Company : XXXX XXXX Date:XX/XX/2019 Company : XXXX Date:XX/XX/2019There are also different accounts on my credit report that I did not authorize. I have listed them below. 

Account # XXXX Amount : {$450.00} Account:XXXX Amount : {$430.00} Account : XXXX Amount : {$1900.00}
Product: Checking or savings account

PNC suspended an account back in XXXX of XXXX. After filing a complaint with the company, I finally received a response ion XX/XX/XXXX. I was told the issue was resolved and I would receive a check via mail. I have patiently waited for months and have yet to hear back from the institution. The account is now currently closed.
Product: Mortgage

We had a leak in our kitchen and after 7 months of dealing with the insurance company and being hospitalized due to the stress from dealing with the situation we were able to make a settlement with the insurance company. We received s check for XXXX from the insurance, which we signed the check over to Carrington Mortgage, they then without a problem sent the check back to us. We then received a check for XXXX and another XXXX for XXXX. At that point they decided to make up a policy, which they never had prior to this situation, to hold on to the checks and said that if we were to receive the additional checks, we would have to send them estimates, proof of work being done and that their inspector would have to determine whether a certain percentage of the money could be released. Well we sent all the necessary documents to their " loss and draft department ''. Unfortunately every time that we try and contact them they can neither find the paper work, they put me on hold for 30 minutes to an hour, no one seems to know anything, or they find any and all excuses to not release the checks. The work is being done all we need is the money to finish the kitchen and pay the contractors. They are not entitled to these checks. We have already spent XXXX paying for the cabinets, we also paid for a new dishwasher, a new sink, several things that were necessary that the insurance company did not want to pay,
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the presence of fraudulent items on my credit report. Despite making multiple attempts to rectify this issue, the fraudulent items persist, negatively impacting my creditworthiness and causing considerable distress. 

I have followed the appropriate dispute procedures and submitted the necessary documentation to validate my claims. However, these fraudulent items remain on my credit report, affecting my ability to access credit and causing undue hardship. 

I understand the importance of maintaining accurate and reliable credit information, and I am relying on your expertise to rectify this matter promptly. As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or fraudulent information on their credit reports, and credit reporting agencies are obligated to investigate and correct any inaccuracies. 

I urgently request that you conduct a thorough and expedited investigation into these fraudulent items and take immediate action to remove them from my credit report. I have attached supporting documentation to assist in your investigation. 

I expect a written response within 15 days, as stipulated by the FCRA, outlining the results of your investigation and the actions taken to rectify the inaccuracies. Additionally, I request that you provide me with a free copy of my updated credit report once the necessary corrections have been made. I am asking for your assistance to remove these fraudulent items in my credit 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX and Potential Retaliatory Actions I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX XXXX XXXX concerning the inaccurate reporting of XXXX missed payments on my credit report and potential retaliatory actions following a prior complaint I filed regarding excessive interest charges. 

Details of the Complaint : Inaccurate Credit Reporting : XXXX has reported XXXX missed payments on my account Account Number : XXXX, which is incorrect. I have consistently made all payments on time, as evidenced by the attached payment history. 
Potential Retaliatory Actions : Subsequent to filing a complaint about excessive interest charges XXXX months ago, XXXX reported these alleged missed payments. This sequence of events suggests possible retaliation for exercising my consumer rights. 

Supporting Documentation : Payment history records demonstrating timely payments. 
Credit report highlighting the erroneous entries. 
Correspondence with XXXX regarding the prior complaint about interest charges. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Additionally, upon receiving notice of a dispute from a consumer, furnishers are required to conduct an investigation and, if the information is found to be inaccurate, promptly notify each consumer reporting agency to which the information was furnished and provide any necessary corrections ( 15 U.S.C. 1681s-2 ( b ) ( 1 ) ). 

Requested Resolution : 1. Immediate correction of the inaccurate information on my credit report.

2. A thorough investigation into XXXX reporting practices and potential retaliatory actions.

3. Assurance that such inaccuracies and potential retaliatory actions do not recur.
Product: Mortgage

I applied for a refinance loan with Leading Mortgage Solutions in XXXX XXXX, and with XXXX XXXX. After approval and before the closing, I was told directly to NOT pay my XX/XX/XXXX payment and that the loan would close before then, and there would not be a 30 day late marked on my credit report. I took their advice. Fast forward a month to XX/XX/XXXX, when I applied for a loan with a different lender for a XXXX home, I was told that my credit report showed a 30 day late payment from the refinance transaction that I was assured would not be there. I complained to the company, they informed me that I was incorrect, that there is no blemish on my credit, and that I should call the old company to resolve myself. I found this unacceptable, and filed a poor review on XXXX. They contacted me via email, as well as rebutted the XXXX review, and again claimed I was wrong, and to clear it up myself. I told them I expect them to clear it up as it was their advice that led to it. I have filed a complaint with the XXXX, but am hearing the same from the company about how I am incorrect. Even after I sent XXXX XXXX screen shots of all three credit reports showing the blemish, he tells me to call the former lender and clear it up myself.
Product: Mortgage

I opened a Mortgage account with Regions bank in XXXX of XXXX. In the next year I went through a divorce and the mortgage was signed over to me. My ex-husband was court ordered to pay off second mortgage and take his name off of the mortgage. He did neither one. XXXX years later, I have had to open a new loan to pay off my second mortgage and Regions has never allowed me to refinance my mortgage to remove my ex-husband 's name. I have tried numberous times since XX/XX/XXXX to get this accomplished. I have sent in copies of my divorce decree, copies of my deed where he was removed from it, my marriage certificate from XX/XX/XXXX to change my name ( which is still not been done ). I am now trying to get an insurance check endorsed by Regions bank so I may repair water damage. They REFUSE to endorse my check. It's been XXXX weeks since I was in the branch and just now getting to me to tell me. I have sent in numerous documents to them ( again ) and they have kept my check and will not endorse it. I have dealth with these rude, irresponsible people who lack in communication to their customers for extra money and they are unbearable to work with. Like I said, I have been going through this mess since XX/XX/XXXX ... XXXX years LATER I'm still doing the same things I was doing then because nothing was changed all of the previous times I've done all of this paperwork.