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

FACTUAL DISPUTE - REPEATED CHARGE-OFFS, FROM MONTH TO MONTH A charged-off account should NOT include an active payment history. " This is inaccurate information falsely manipulates the statute of limitations ''. EXPERIAN has failed to investigate this account properly and their neglect has " violated my rights ''. 

This is illegal, which updates the statute of limitations to " extend and " re-aging the account, which is illegal '' XXXX XXXX XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XX/XX/year> XXXX XX/XX/year> These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

Experian is reporting two bankruptcies on my credit file. I have reported these bankruptcies multiple times as invalid, inaccurate and a mistake that should not be on my credit report. Experian has claimed multiple times they've investigated the reported information and found them to be accurate. On XX/XX/year>, I sent a letter to Experian challenging their dispute results and requesting a detailed description of the method of verification used to validate the reported information as required by Section 168i ( a ) ( 6 ) of the Fair Credit Reporting Act. Experian did not provide this information and it has now been 30 days.
Product: Credit reporting or other personal consumer reports

Company name : XXXX ( sells solar panels ) Phone number : XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I applied for a deferred interest loan to purchase solar panels with this company. 
I cancelled the loan as of XXXX  and was told that it was cancelled and received a letter confirming the cancellation. The loan is showing up on my credit report as active as of today, XX/XX/XXXX and that I have a deferred payment not due XXXX 
I have contacted the company to dispute this record and they confirmed that this matter will be resolved on their end.
Product: Checking or savings account

someone changed ly password on my online account and accessed my returns coming in to a forgien account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify the account, under section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible, thank you.
Product: Mortgage

I have been requesting my 1098 and 1099 form from Texas Capital Bank since late XXXX. I've called, sent emails, and sent messages through their online portal to no avail.
Product: Credit card or prepaid card

My name is  XXXX   XXXX , I am  a Ssi r ecipient who receives my funds on a direct express card. After some unauthorized charges ( approx {$280.00} worth by the same merchant ) appeared on my account before   XX/XX/XXXX   ( the date I started the charge back process with direct express ). I was finally given a provisional credit for that same amount ( approx   XX/XX/XXXX    ) nearly two months after I started the charge back process. I  was given this provisional credit only to have it taken awa y (  in less than 30 days ) without notice or authorization by direct express. Which is essentially the same action as the original offending company did  ( c ommitted unauthorized charge without notice ). It 's been over 90 days  (  charge back started   XX/XX/XXXX ,  today is   XX/XX/XXXX   ) since I started this charge back and I 'm left without resolution. I 've spent over days worth of hours on the phone to direct express over the past  three  months, and have gotten nowhere. Today 's third call has gained me the knowledge ( from a supervisor ) that my claim was approved and closed out yesterday and I would get a letter stating this and when to expect my money. When asked why I do n't have my money back today after this terribly long hardship the supervisor stated " maybe they are waiting for you to receive the letter before they deposit your funds ''. I 've probably spoken to every supervisor that works for direct express and none of them ever quite seem know what 's going on during my many calls, and even if they did are left at the mercy of their supposed and mysterious charge back department. Of whom has no telephone number to call, and only method of contact is the submitting of a support ticket by the very person who does n't know what 's going on. You are left at the mercy and hope that this support ticket is properly expressed and worded correctly so that the se two parties ca n communicate and your problem will be solved. Which is never the case because the supervisors often leave out pertinent info, and the messages are poorly expressed causing a communication breakdown as the recipient charge back department picks the note off the back burner and comes to a resolution requiring the least amount of effort right or wrong. I 've just given up during past issues regarding fees in the past because of this losing money in the process.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a letter to XXXX, Equifax and XXXX agency disputing specific accounts ( letter in uploads ) on my consumer report and requesting documentation to verify their accuracy. These accounts are inaccurate and incomplete. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate information and request proper verification. Section 604 ( 15 U.S.C. 1681b ) states that no information should appear on my consumer report without a permissible purpose, which I did not authorize. Furthermore, my right to privacy under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) prohibits these credit agency from sharing or reporting unauthorized or unverifiable information. XXXX continues to mark these accounts as verified without providing any documentation or addressing my requests. This violates both my privacy and rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX  Accounts has violated my Rights. 
Acc # XXXX XXXX XXXXs XXXX Acc # XXXX Acc # XXXX XXXX Acc # XXXX XXXX Acc # XXXXXXXX XXXX Acc # XXXX XXXX Acc # XXXX XXXX Acc # XXXX XXXXl XXXX Acc # XXXX XXXX, XXXX  Acc # XXXX, XXXX, XXXX, XXXX XXXX  XXXX U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

Last year I filled a complaint against my mortgage lender Newrez LLC with you for not paying my home insurance on time on XX/XX/XXXX. This year I received an email from Newrez on XX/XX/XXXX stating that my home insurance was paid. On XX/XX/XXXX I received a reminder notification from my insurance company XXXX XXXX that my insurance policy was due and that my insurance would be canceled if it was not paid by XX/XX/XXXX. I believe that this is an attempt by Newrez LLC to force my insurance company to cancel my insurance so that I am forced to buy insurance from someone chosen by Newrez LLC, most likely from a company that Newrez has financial interests with. I would like to know how my insurance money from my escrow was sent to XXXX XXXX and why it takes a month for XXXX XXXX to receive my money. I would also like to know how I can have my escrow account removed from Newrez LLC so i can pay my insurance and property taxes myself so this doesn't happen again next year
Product: Credit reporting, credit repair services, or other personal consumer reports

Keep getting hits on my credit report for inquiries that were not requested or originated by me. Inquirer is XXXX XXXX XXXX based in XXXX, CA. I have tried reaching out to them to get more information but the phone number listed doesn't work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : Western Shamrock Credit Bureau : XXXX XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from XXXX on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( Western Shamrock XX/XX/XXXX ) I contacted Western Shamrock on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for Western Shamrock or XXXX who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested a copy of my credit report and noticed an address that does not and never have belonged to me. 
I sent TRANSUNION a certified mail letter on XX/XX/2022, demanding the unknown address be deleted from my consumer report immediately. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. TRANSUNION have violated my Federally Protected Consumer Rights
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit bureaus did not respond to my complaint according to the law. 
According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions. Equifax, XXXX and XXXX, are reporting late payments on 2 accounts ( XXXX XXXX  ) XXXX # XXXX and XXXX XXXX. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumers to whom it relates. I never gave Equifax, XXXX or XXXX written instructions to report anything to my consumer report, let alone these late payments. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure those consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
with the respective complaint id XXXX for XXXX. for equifax XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was in Inquiry placed on one of my credit bureaus ( XXXX ) from FNB OMAHA on XX/XX/2022 that I do not recognize. I did not authorize this company to place an inquiry on my report, nor did I sign or give consent to pull my report. 

Please remove this inquiry immediately. 

Thank you.
Product: Credit reporting or other personal consumer reports

I do not consent to e-OSCAR verification, I want a real human being to read this complaint. This is a NOTICE for GENERAL COUNSEL. I have complained about this matter before but Experian has not yet fixed the problem nor has compensated me for federal consumer violations and damages. Experian continue to furnish XXXX XXXX XXXX even after investigating and updated results as deleted from consumer reports but has yet removed it of my consumer report like they said they would. I will have proof of my claims attached and I will have my Pre Arbitration attached. Also an invoice will be attached below. If we can't come to a fair and reasonable resolution then I fully intend to pursue Arbitration.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$75.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX  XXXX Balance : {$4300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX.
Product: Debt collection

Eos is sending me bogus bill, stating I owe XXXX. This was charged off in XX/XX/2004, because I won a case against them. I have the court paperwork and had to pay taxes on it. They are very rude, and will not stop.
Product: Debt collection

I sent the letter below to the creditor over a month ago with and got no response. 

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX/XXXX/XXXX To : CHASE CARD XXXX. XXXX XXXX XXXX, DE XXXX In regards to : UNFINISHED BUSINESS XXXX XXXX XXXX non-adverse, non-belligerent, non-combatant party, secure creditor with power of attorney general, and Executor on behalf of the XXXX XXXX XXXX, is in possession of your recent voluntary submission of evidentiary documents. 

CHASE CARD, must herein provide a true and certified copy of the complete audit trail of said account. furthermore, in order for CHASE CARD to validate the debt, please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate, and original copy of documentation with my wet ink signature! 

Failure to substantiate the claim, please settle account immediately within the next thirty days. 

Sincerely, XXXX XXXX XXXX Executor of the Estate
Product: Checking or savings account

I was at ATM on XX/XX/year> I put in wrong PIN number and was denied XXXX cash I tried again put in wrong PIN number denied XXXX dollars However it was taken out if my account from Bank of America I looked at my app Right away I called and they said looks like the XXXX dollars is being reversed and Im sure the XXXX dollars should be in a 24 hours Never ever did they reverse the XXXX They took out when I was denied because I messed up on pin I disputed it They credited me the money and then Boom Sorry we will Not credit the XXXX Please can I appeal I call every day Im in The red XXXX I cant pay nor should I Im certain i didnt get funds!! 
BOA wont help me
Product: Credit reporting or other personal consumer reports

All this information on my credit report is inaccurate I did a dispute with the bbb better business bureau and they deleted ALL MY COLLECTION ON TRANSUNION, XXXX and XXXX this report showing its still there PLEASE DELETE THIS INACCURATE information THANK YOU
Product: Debt collection

Account was paid off and settled XXXX, The account is now being reported on my credit report as a collection account with a balance of {$3.00}. This is a violation of FDCPA and FCRA.
Product: Vehicle loan or lease

I purchased a car in XX/XX/XXXX, in XX/XX/XXXX I filed bankruptcy but advised the lawyer that I wanted to retain the car. The car payment information was never reflected on my credit report which I finance {$15000.00}. My car note was {$420.00} a month on a 6 year loan. To date I have made 83 payments on this car, and they are saying that I owe still another {$10000.00}. In XX/XX/XXXX I went to see about trading the car in to find out that it was covered in by bankruptcy. When I called the finance company Consumer Portfolio Services to advise them of this, I was told that they never received anything about a bankruptcy and they requested I give them the case number. They advised that would be looking into it and then they would give me a call back. On XXXX  I was advised that i could either pay the remaining amount or give them the car back. I feel that I have paid for this car as I have paid in total {$35000.00}. I did have late payments and I deferred a few payments however I still have paid {$35000.00} and paying another {$10000.00} would mean I paid {$45000.00} which was not what the car was financed for,
Product: Credit reporting or other personal consumer reports

On Wednesday XX/XX/XXXX, I used the Discover pre-approval tool to find out which card I might be qualified for. I matched with the Discover IT card, and I submitted my application. I waited a while for the page to load after submitting my application, and a message displayed saying that I had to submit more information to verify my address. I was able to do so on the website. They gave me options of valid documents I could use to verify my address. I decided to use my Georgia drivers license. I chose that option, and took the pictures and attached them to the application. Another page loaded saying that I had done all I needed to do for the application at the time. 

On Friday XX/XX/XXXX, I received an email notifying me that I had until XX/XX/XXXX to provide more information for my application. I gave them a call, and explained all that had happened. They said there was an issue on their end with the application and that I needed to call back in 24-48 hours. I waited 48 hours to call. When I spoke with them again on Sunday, XX/XX/XXXX, they said again that I needed to call back in 48-72 hours this time. I waited 72 hours to call. 

When I spoke with them the third time on XX/XX/XXXX, they said that my application had been denied because they were unable to verify a physical street address. I was shocked because I was informed via email that I had until XX/XX/XXXX and when I had called the two times before to assist in completing my application they did not tell me the reason my application has not been completed was because I needed to provide more information. Instead they insisted that they had to fix some things on their end, and that I needed to give them time to fix the issue. I talked to as many people as they would let me, but everyone kept saying the same things : " Unfortunately, your application has been denied because we could not verify a physical street address '', with an exception of sometimes saying " When we attempted to find the address, it looks like it is a construction site '', " We can not reconsider your application '', " You can reapply if you like, and it is possible but not guaranteed that the same credit report will be used for the second application so that there are not two hard inquiries on your credit report '', and many different wordings of the same message ; we are not going to reconsider your application and there is nothing we can do. 

As you can see from the attached documents, I did receive a letter in the mail stating my denial, which is odd I must add, considering the reason for my denial was the inability to verify my residential address.
Product: Checking or savings account

I am a victim of a scammer ; I had a job offer on XXXX  as a remote personal assistant position and that job had a one-week trial that they were going to send me a check and I was going to do some shopping, donation and etc... 
I have received the check by mail from the company and since I was not very familiar with whether it was a valid check I took it to the bank ( Wells Fargo ) and deposited it in my account and asked the banker when it will be available and their answer was " By tomorrow morning ''. 
So, I was assured that the check was valid. So I did all the transactions that they were asked for me to have done on XX/XX/2021 in the amount of {$4900.00}. 
The next day I deposited another check, not from ATM but I walked inside the bank and deposited it in the account again I asked the same question and the teller responded the same answer. However, the next day morning I checked my account and notice the bank did put both of the checks on hold. I called and asked what is happening and they told me that they are suspicious that those checks are Fraud. So, I did some research online and noticed that it was a new method that scammers scam people. Therefore, I called the bank again and told them that the transactions that I made were fraudulent and checks are not valid ones. However, the banker opened a claim for me and she told me to wait for the status for 10 business days. I called them on XX/XX/2021 to check the status but they were so rude and they told me that " You made all those transactions, you got scammed why did wells Fargo had to pay for it? '' I explained that I never experienced such a thing before and did not know that those checks are invalid since the bank approves them and made them available in my account. But, she still was arguing that why I did not wait for 10 days to make sure. I explained and she hang up on me and when I called again they did not respond back. I called them the next day and there was a guy this time and he told me that the bank will not take responsibility since those transactions were Authorized by myself and they closed the claim. I called the local police department on XX/XX/2021 and report everything the officer 's name was XXXX XXXX, her contact information are phone : XXXX ext. XXXX Email : XXXX My report # XXXX. 
She told me to call back the bank and have them reopen my claim. I did call the bank and told them I have a police report and gave them all of the information. However, they told me to wait for the police to investigate. My account still has overdraft and I am an undergraduate student I get my income from the loan that I get from school and have been stressing out a lot for whatever happened. My bills are past due and I had a problem by paying my Auto payment bills.