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

Your company is deliberately passing reporting obvious inaccurate information. This is my third or fourth time requesting a Line by Line investigation, and or that these accounts be deleted because they are inaccurate. You and I both know that you are Not doing a proper investigation In Accordance With ( XXXX ) the Fair Credit Reporting Act. How many times do I have to bring the fact that you are reporting Inaccurate information to your attention, which you and I both know is a Blatant violation of my federally protected rights. I prefer to work this at the lowest level, but you are leaving me no choice. I need these corrections to be made and inaccurate accounts deleted. Incorrect Names : XXXX XXXX XXXX. Correct Name : XXXX XXXX XXXX. Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX Correct Address : XXXX XXXX XXXX XXXX, TN XXXX. Incorrect Employment : XXXX. Correct Employment : XXXX XXXX XXXX. XXXX accordance with 15 U.S. Code 1681s2 - ( b ) ( 1 ) ( D ) Responsibilities of furnishers of information to consumer reporting agencies this information must be deleted if the investigation finds that the information is incomplete or inaccurate, report those results to All other consumer reporting agencies to which the person furnished the information and that maintain files on consumers on a nationwide basis. Accounts Deleted off other Credit Reports : XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX. XXXX XXXX Account # XXXX. Incorrect Inquiries : XXXX XXXX XXXX XXXX & XXXX. These accounts and inquiries have been deleted from my XXXX and Equifax Credit Reports. In accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( D ) Automated reinvestigation system ; Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency XXXX report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. XXXX the Fair Credit Reporting act, these accounts are in violation of my rights. 15 U.S.C 1681 section 602A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681a-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. I am tired of asking the credit bureaus to delete these inaccuracies and to stop violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX {$0.00} XXXX XXXX XXXXXXXX {$0.00} XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$1500.00}
Product: Credit reporting or other personal consumer reports

on XXXX XXXX Barclays bank Delaware gained unauthorized access to my consumer report negatively affecting my credit report. This a violation under 15 usc 1681n I never grant them access & not was not enough its reporting to my credit report and this affects my creditworthiness, and it can be a factor to be denied my own credit which I believe is super cruel and can negatively affect my XXXX  XXXX.
Product: Credit card or prepaid card

I opened a Prosper Credit card online. I was approved and a card was sent to me. When I tried to activate the card, I was told the account was suspended due to a security issue. They did activate my card after verification but was told the back office would be calling me. I asked for a manager but never got one. No one ever called me back and I never got any explanation why my card wouldnt work. No correspondence either. I feel they took my personal information but never got the ability to use the card they approved me for. I am nervous as this seems very strange.
Product: Consumer Loan

I was declined for an auto loan by XXXX and JPMorgan Chase and the reasons they used were : " Serious Delinquency '', " Length of time since account not paid as agreed '' and " Time Since Delinquency is too Recent or Unknown ''. The letters told me to contract XXXX for information about this. I monitor my credit and know there is not a delinquency ever and when I contacted XXXX they could not see any issues either. I have tried to contact both banks to get information on what they are talking about and have not been able to reach anyone that will help me.
Product: Debt collection

In XX/XX/XXXX company contacted me and claimed I owed the debt to the company XXXX XXXX, in my last communication with XXXX XXXX, I owed {$2000.00}, I paid the rent for XXXX and our lease ended in XXXX, by XX/XX/XXXX the account was reported for {$4700.00}, after speaking to the XXXX XXXX team, I paid the collections company the XXXX XXXX for a deletion totaling the remaining balance.

the company is still pursuing me for XXXX and won't give any formal notice of why I owe this amount and if I am the owner of this debt.

they have also threatened me with legal action and said I am committing a crime by not paying them what I owe THEM, to which I responded by asking for legal paper served to take the matter to small claims to find out if both I and my ex-husband are being equally pursued or if this was a fraud. they have ceased contact but won't stop reporting on my account.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) appeared on my report. I paid the debt and the debt collector issued me a letter to reflect the issue is closed and settled. I am in the process of closing on a home by XX/XX/year>. 
I need this collection removed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items 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 items need to investigate and correct erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

https : //www.dbtsolutions.com//contact-us.php Debt Recovery Solutions Toll Free Telephone Number ( XXXX ) XXXX Mailing Address : Always include your account number for reference XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Chief Compliance Officer XXXX XXXX Certification # XXXX Company Certification # XXXX -- -- -- -- - THAT IS THE COMPANY INFORMATION -- -- -- -- - THIS DEBT IS NOT MINE THIS DEBT IS VERY OLD IF IT IS MINE AND WAS PAID, YEAR - XXXX OR XXXX THIS COMPANY IS LYING AND IS PURPOSEFULLY PUTTING THIS ON MY CREDIT CREDIT REPORT AND I WANT THE COMPANY FULLY AND MASSIVELY INVESTIGATED THIS IS A LIE THIS ONLY APPEARS ON 1 REPORT XXXX  AND NOT THE OTHERS THEY MANIPULATED MY CREDIT REPORT I WANT THEM OUT OF BUSINESS
Product: Mortgage

American Financing refinanced my home without my knowledge and permission. XXXX was allowed to approve loan for over {$100.00}, XXXX ( cash out ). for a man with a XXXX score. The total amount was over {$200000.00}. My XXXXusband and falsified the application so the loan could be approved without my knowledge and caused my family to lose our home. I did not discover the amount of the loan and the false information that was provided to get approval. I am not sure how many other families have been destroyed in the manner of mines. This situation also cost me my marriage due to the deception that my XXXX  husband did as well with XXXX XXXX. We have had many sleepless nights and pure XXXX  from what did to my family. I believe they should be held accountable for their actions and shut down to ensure this will never happen to another family. American Financing should be responsible for the payment as well since it was given purposely and caused the destruction of a family
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that IC SYSTEMS would verify the debt. So I took it upon myself to ask IC SYSTEMS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit reporting or other personal consumer reports

XXXX  CONSUMER account is charged off closed account and keep apearing on active acount on XXXX and XXXX and trying to collect the debuts and info is not accurated.
Product: Credit reporting or other personal consumer reports

HOLLOWAY CREDIT SOLU XXXX XXXX XXXX XXXX, AL XXXX Send me a debt validation letter with a signature that was not mine and drivers license that was not me. They can not prove this account belongs to me and if must be removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several hard inquiries on my credit report that were not authorized by me, including multiple closed accounts that are still being reported. These inquiries have negatively impacted my credit score, and I seek immediate removal of these inquiries from my credit report. 

XXXX : reported closed accounts : 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  : Hard inquiries : 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 XXXX XXXX XXXX XXXX : Hard inquiries : 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 

Transunion : Hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has merged my excellent credit report with another person that has the same name and similar social security number. They will not remove negative information from the other persons credit history from my credit report nor will they verify if my credit history has appeared on his credit report. Through their numerous  XXXX  ups Equifax has provided me with the other persons social security number, date of birth, addresses, etc. Equifax will not verify that my personal information has been properly secured.
Product: Debt collection

On XX/XX/XXXX I received a bill from XXXX XXXX for the amount of {$420.00}. As I don't have XXXX XXXX I immediately called them and asked for a copy of the signed contract with my signature on it. They claimed they would be sending to me within 5 business days and my " account '' would be on hold for until I received it. It never came. Shocking I know. So I called again repeatedly and asked for the same information. A simple verification of the debt. I still have yet to receive this. Then on XX/XX/XXXX I receive a letter in the mail from Diversified Consultants, INC. in the amount of {$420.00} with the original creditor listed as XXXX XXXX. This is a complete outrage, and definitely against the law!! I feel sure this will end up on my credit report next month so I demand you do something about these unfair and downright illegal practices! 

Thank You
Product: Mortgage

I have been in an ongoing battle to get the PMI removed from my mortgage for several months. I finally was able to get the company to contact an appraiser to begin the process to see if the property was eligible for PMI removal based on current balance and newly appraised value. After receiving notification that the appraisal was completed, I was provided insufficient details on the results beyond " did not qualify for PMI removal ''. When first requesting detailed support from the appraisal, I was told that the house appraised at a value equal to the exact low end of the appraisal ( not having access to the detailed appraisal yet, my disagreement at the time was voice and I was told to simply file a disagreement. Once being told that, I stated that I would need a copy of the detailed version in order to make a more specific case for my dispute. The representative said she would send the appraisal to my email on file which I had her confirm ( XXXX ). After receiving nothing for a week, I followed up to once again request the detailed appraisal. Finally after requesting detailed documentation for a third time, I finally was providing the detailed appraisal ( as opposed to the summary one page document with no detail ). I find out that the appraisal actually came in ~ {$35000.00} higher than I was originally told the first time. Realizing this may have been an error in initially rejecting my request, I called back today and was put on hold for awhile while another representative looked into why it was denied. Prior to this, I was told that the appraisal needs to be below 80 % XXXX to remove PMI. Similarly, the Mr Cooper website says in plain English that you can request to cancel PMI at a level below 80 % XXXX. Yet, the representative today told me that the current XXXX of 77 % doesn't meet their requirement of 75 % XXXX which is a special requirement since the new value was from an appraisal. He also let me know that there is nothing he can do and nothing I can do except file a detailed dispute. I am in the process of filing the dispute as the initial appraisal ignored an identical comparable that is next door that indicates a value closer to XXXX % XXXX and contained inaccuracies. At that point, I decided to file a complaint with the CFPB as the story seems to be changing and inconsistent with the terms clearly stated on the website.
Product: Credit card or prepaid card

barclay credit card company allowed an automatic renewal charge to be placed on an inactivated credit card in XXXX XXXX the credit card had been inactive since XXXX XXXX. they subsequently charged me over {$45.00} in late fees and reported my account to the credit reporting agencies, thus decreasing my excellent credit score.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that regarding lost funds was impossible and that tracking these funds was infeasible. The CFPBS findings indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

hello i am reporting that experian, XXXX, and XXXX XXXX are all reporting my educational records on my credit report ... according to The Family Educational Rights and Privact Act ( FERPA ) states that you can not add any of my educational records to my credit report without my permission... i submitted a dispute through all three and they ignored it so i want to hold them accountable financially. the law states that each violation on my credit report is up to a {$1000.00} fine and i want this imposed on all three credit agencies for ignoring my first dispute for this exact reason.
Product: Mortgage

I have been trying for months and months to get my mortgage caught up. I have a good rate, so I do n't think any refinancing would help. However, I just ca n't double up on my payments and they keep tacking on all these late fees. Then there is a section of " other charges '' to this day no one can tell me what those are or what they mean. I would just like a little help to give me a deferment or something so that I can keep paying every 30 days, but that it 's under 30 days past due and not incurring these fees for no reason, all while sending me threatening letters.
Product: Checking or savings account

Account opened : XX/XX/2023 I opened this business checking account using the promotion code XXXX  after a promotion popped up on my app one day randomly after I logged in to look at my credit card balance. The next day I opened this business checking account and this XXXX auto filled in the promo field so i did not need to enter in anything unique. The requirements were to keep XXXX in the account for days XXXX and as a reward I get a {$1000.00} promotion. A couple days after the account opening I called Bank of America and a representative told me that the account did have the promo attached so I will get the bonus if I complete all of the requirements. I then added more than XXXX into the account. Over the next couple of months I called back a couple of other times and I was told that the promotion code was attached. Towards the end of the promotion period I called again and I was told that the promotion code is only pending on the account and they aren't sure why, but they thought it would show complete after the requirements were met but they were not sure. I waited about 105 days after the account opening and called the bank back because I did not get the promotion and I once again wanted to make sure that the promotion was on the account because I was anticipating this exact scenario taking place. I was told that they XXXX cant find a promotion on the account and XXXX none of the previous reps left any notes on my account so the phone rep had little information to go off of. So I'm not sure if all the previous reps just told me that the promo code was attached just to make me happy, but then didn't leave any notes so that it couldn't be tied back to them with a paper trail? I'm not sure. The representative on the most recent call created a case for me to investigate whether I qualified for the bonus and I just found out that it was denied because I was not " targeted ''. This case could not be escalated again because it had already been escalated. I did not see another way to escalate this within the company so I decided to go with an outside source.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : Received XXXX statement in mail for XXXX that was settled and closed in XX/XX/XXXX. Contacted creditor at XXXX who stated they have not received XXXX  paperwork from XXXX XXXX XXXX, XXXX. 

XXXX XXXX : I contacted XXXX and obtained receipt confirmation of final payment of XXXX received on XX/XX/XXXX. I faxed XXXX confirmation and XXXX pay statement to creditor at fax # XXXX on XX/XX/XXXX @ XXXX and confirmed receipt via phone at XXXX. 

XX/XX/XXXX : Received via creditor email, confirmation of final payment of XXXX and settled in full for less than the full balance however no confirmation of backdating settlement payment completion to XX/XX/XXXX. 

XX/XX/XXXX : Contacted creditor regarding incorrect reporting of late payments and remaining balance past XX/XX/XXXX. Creditor responded they did not receive any documents on XX/XX/XXXX after already confirming receipt proving a XX/XX/XXXX closed settlement. 

XX/XX/XXXX : Dispute of incorrect reporting by creditor to all XXXX major bureaus with the same supporting documents attached that were sent to creditor to confirm XXXX settlement. Experian XXXX response on XX/XX/XXXX showed dispute XXXX closed with no change. Experian XXXX response on XX/XX/XXXX states still working on dispute. 

As of XX/XX/XXXX : XXXX and XXXX still working on dispute. Experian report shows dispute closed with no change effective XX/XX/XXXX
Product: Debt collection

XXXX Credit card has been continuesly calling and texting me after do not call me on a recorded line around XX/XX/year> and after do not call notice. XXXX is attempting to collect a debit from me that they never tried to work through with me on amount I have disputed and delayed payment on the balance and interest charged on each monthly statements there is no balance change after monthly payments, the same over 2 months and more no balance change. I asked XXXX Credit Card verbally and through written mail to Arbitrate the misunderstandings, XXXX Credit Card has not responsed by to the terms and conditions that XXXX Credit card rights to arbitration with the consumer laws. Things I want XXXX Credit Card to do for me : I want the XXXX Credit Card to tell all XXXX credit agencies negtive credit to delete wrong reporting information off my social security number of all XXXX of the credit reports. 
I want a email from XXXX Credit Card stating I have a XXXX balance and that I do not owe XXXX Credit Card a balance. 
I want to paid by XXXX Credit Card {$10000.00} for attempting to collect a debit from me violating the collection laws.. 
XXXX Credit Card repeated large amounts of robote calls to my number ( XXXX ) XXXX large number of texts to ( XXXX ) XXXX. 
The Georgia State law apply to business and companies to comply to the collection laws without the company being told to stop the collection process. 
The company knows there are state laws that apply that a business or company are not able to harass verbally or electronically the consumer.