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

Date : XX/XX/2023 Failure to investigate Name : XXXX XXXX Current address : XXXX XXXX XXXX XXXX mi, XXXX SSN : XXXX Date of XXXX To : Dear Credit Bureau XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Your company Experian verified the below account. I looked at the FTC site, and they stated that you have to tell me how you verified this account. You have to tell me details and not a boiler point letter. Please tell me how. FAILURE TO INVESTIGATE, please re-investigate and DELETE ALL items lists below. 

( 1 ). Creditor : Account : XXXX XXXX # XXXX Reason : FAILURE TO INVESTIGATE ( 2 ). Creditor : Account : XXXX # XXXX Reason : FAILURE TO INVESTIGATE ( 3 ). Creditor : Account : XXXX # XXXX Reason : FAILURE TO INVESTIGATE ( 4 ). Creditor : Account : XXXX # XXXX Reason : FAILURE TO INVESTIGATE Please send me details on how this account was verified. 

Thanks!
Product: Debt collection

XXXX XXXX has called me repeatedly they call 10 to 15 times  a day. They use different numbers to call. They also use my home phone number to call me, my number pops up on my caller ID when they call. I asked them about this and they act like they do not know what I am talking about. Pleas stop them.
Product: Money transfer, virtual currency, or money service

I transferred money from my bank account to the XXXX  XXXX  platform through plaid ach. The first payment of {$950.00} went through successfully, but the second payment of {$4000.00} has not been received. XXXX  claimed that the {$4000.00} would be available on XX/XX/XXXX, just like the {$950.00}, which was processed on the same date. However, despite this, I am unable to trade with the {$950.00}, and I withdrew it back to my bank account. The {$4000.00} still hasnt shown up in my XXXX  account, preventing me from trading or withdrawing it back to my bank account.
Product: Debt collection

In 2019 I sold my XXXX XXXX  it had bad engine problems I sold it as junk And I cancelled the insurance on it. XXXX still billed me after I cancelled it and harassing me about it. Why should I pay insurance on a car I sold, I cancelled the account in advance so I wouldnt have a payment on a car I didnt have anymore. The woman I spoke to on phone was very rude about it and refused to hear what I had to say to her when I called to dispute the charge on my credit report. I cancelled the insurance before I even sold it because the car was undrivable and smoked because of the transmission and engine problem
Product: Credit reporting or other personal consumer reports

My XXXX, XXXX XXXX XXXX, and I recently ( XX/XX/23 ) opened a HELOC with XXXX XXXX XXXX XXXX ( Which has then since been acquired by XXXX XXXX XXXX  ). The Bank never sent us ( either via mail or e-mail ) any statement pertaining to any outstanding balance. 

I later found out that we were XXXX  days late on payment from the Credit Bureaus. We immediately contacted the bank ( now XXXX ). They informed us that these statements had been deposited to our online access space, of which I was unaware as the XXXX XXXX XXXX XXXX had been acquired by BMO and they were still transitioning to a new " unfamiliar '' user interface. 

Suffice to say that I paid the outstanding balance the same day and put the future payments to " auto-debit ''. I have thus far contacted the Bank and even my relationship XXXX, XXXX XXXX XXXX, but to no avail. We have never ever been late or defaulted on any Bank obligation thus far and I find this instance and lack their response to our concerns rather malicious.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month ofXX/XX/2018I disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.
Product: Mortgage

One day My husband decided to check his credit report. He discovered that Carrington Mortgage LLc had reported late payment on our Mortgage loan on all credit Bureau 's. This caused of course a lower credit score and now months trying to clear this off our credit report. The month 's Carrington reported late payment were XXXX 2015 and XXXX 2015. I contacted Carrington to inquire about the late payment. Their answer was that it was late because the pay off was made on XXXX XXXX, 2015. Had it been on XXXX XXXX, 2015 then it would not be considered 30 days late. I submitted my XXXX dispute on all credit agencies for this to be removed for it was not accurate. They removed XXXX but not XXXX. I contacted the credit bureau 's to inquire why only XXXX was removed. They said I needed re dispute with more documents. I contacted Carrington, but the only form they provided us with was more like a statement of payments. So my only option was to contact XXXX our new Mortgage company in hopes off getting any documents showing when Carrington got paid. They provided me with the disbursement document. The document shows that XXXX paid off Carrington on XXXX XXXX, 2015 through a wire transfer. So I submitted a dispute once again. This time I attached the Disbursement document and the letter we had received from XXXX stating when they acquired our Mortgage loan which also stated it was in XXXX XXXX, 2015. In all this us as consumers have no control for there was a third party involved XXXX XXXX and it was during a refinancing period. In conclusion the documents submitted to the Credit Bureaus validates that is was never paid late. I do n't understand why Carrington insist otherwise. This has put a big scar on my husbands and my credit report. We have never been late payment on anything, ever! Not only does this affect my husbands and my credit score but most importantly career opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

In letters dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX respectively, I disputed information and asked Transunion to provide specific data and processes used to verify the accuracy of accounts/personal information on my credit report as required under FCRA. I provided my Maryland Real ID as proof of my identity and address with each request. My requests were not granted timely or in full. 

In a letter dated XX/XX/XXXX Transunion " verified '' and/or " updated '' accounts, phone numbers and addresses without provision of how they arrived at such verification, which I specifically requested because there are inaccuracies throughout. 

For example, a credit union account reports to date as charged off with a past-due balance, but it is actually open and has been in good standing with the institution for years. No way the reported information was researched or " verified, '' as alleged in the letter. One of the addresses is to an apartment building, yet no unit number is identified. I have lived at my current address since XXXX, which is longer than any account is lawfully allowed to report on a credit file, so why is the incorrect address even there? 

It would appear that Transunion is in the practice of responding without factual information or doing the required research as outlined in the FCRA. This is alarming, considering the data they provide about consumers is relied upon by most creditors and employers, affecting our lifestyles and perhaps even our livelihoods. The law protects our rights to a degree, and mine have been violated repeatedly by this company without regard for my personal circumstance. 

Please investigate. Thank you.
Product: Debt collection

Caine & Weiner has violated my Federally Protected rights under the Fair Debt Collection Practice Act. They are using my consumer report with extortionate means to coerce and swindle me into paying an alleged debt. I was never obligated nor responsible to pay an 3rd party debt collector. They failed to provide documentation and to let me validate the alleged debt before furnishing the tradeline. Caine & Weiner are using my consumer report with extortionate means to coerce and swindle me into paying an alleged debt. You are now on Notice to Cease Communications from me from all mediums as stated in my attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act. The list of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX Account # : XXXX Charged off- This account is written as a charge off. 

Account : XXXX XXXX  Account # XXXX Late Payment dated XX/XX/2020 15 U.S.C 1681 section 602 A States I have a right to privacy. 

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S.C 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : DEPT OF EDUCATIONXXXX XXXX Balance : {$130000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Texas, XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files.

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law.

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

My credit score keeps decreasing and when I disputed certain items it came back unfounded.

My interests rates are high and should not be legal
Product: Credit reporting or other personal consumer reports

Complaint XXXX. 
I am rejecting this response because : Great you just admited you are not a creditor of mines. Therefore you have no right to report as a creditor XXXX XXXX XXXX on my credit report .You are breaking 15 U.S. Code 1692e - False or misleading representations AS ONLY creditors can report to credit reports .You admitted per last response that you arent a creditor of mines and have not provided any validating documents that I previously requested and also breaking 15 U.S. Code 1692g - Validation of debts.As in XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX. XXXX ), you are liable for your willful non compliance .This is my third documented request from XXXX  ASKING YOU TO PROVIDE any of the contract signed between YOU DEBT COLLECTOR ABILITY TO COLLECT THIS ALLEGED DEBT.You obviously ignored my first request which is documented and has been sent to FTC and CFPB for willful compliance .You are taking advantage of consumers especially me being on a fix income .and about to be homeless I was denied being approved for a Mortage due to transunion allowing XXXX XXXX XXXX to insert this false account on my credit Please remove yourself from my consumer report before I file ligation. transunion please send me a updated copy of my credit report because I still have received it its XX/XX/2024 didn't haven't got it because this my third time disputing this false account with you this false derogatory collection still failing to comply with reinvestigation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : ALL 3 } { Credit Bureaus : ALL 3 } { XX/XX/XXXX, XXXX : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on ( XX/XX/2022 } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX }
Product: Credit reporting 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 XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : 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

Equifax these people are saying its you who removed the account and then added it back on this is a violation of the The FCRA the law is clear anytime you remove an account and then re add it back to the report you must and shall send written Notification of the reinsertion within five business days this account can no longer report Im sorry I have sent you both physical and factual proof that the account was removed and then Reinsert therefore you have to remove it. I mean the information is there and clear both of you explain what the XXXX do you think new collection verses removed come on man there it is in XXXX XXXX and white quit with your XXXX you guys needs to figure out who is going to be the one to delete it YOUR COMPLAINT Equifax no Im not happy I need to know who removed XXXX account from the file? I need physical proof if youre on able to provide that information you need to remove that from the collection account this is considered on verifiable I need to know which one of you removed immediately View full complaint Sent to company STATUS Sent to company on XXXX/XXXX/2020 We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Company responded STATUS Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response As a rule we send deletion requests to Equifax credit bureau when an account is paid. We do not show a removal and a re-report of an account for XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX : {$950.00} XXXX XXXX XXXX Balance : {$890.00} XXXX  XXXX Balance : {$4200.00} XXXX XXXX XXXX Reference # : XXXX Asset Amount : {$0.00}
Product: Debt collection

Collectors keep calling for an employee that worked for us over 2 years ago. He was terminated in XXXX of XXXX. They have called on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and two times on XX/XX/XXXX. 

The gentleman says his name is XXXX XXXX calling for XXXX XXXX and says that an employment verification is complete and XXXX must call them to prevent an LOI from being sent to his residence and place of employment. He leaves a return number of XXXX referencing case # XXXX. The caller ID on my phone shows the number calling me as ( XXXX ) XXXX. 

I called this number on XX/XX/XXXX and asked for XXXX XXXX and was told he is not available. I told the gentleman on the phone that the company needs to stop calling us because XXXX XXXX has not worked for us for over 2 years. I was told by the person that answered the phone that they would let XXXX XXXX know to stop calling. 

On XX/XX/XXXX, XXXX XXXX left two additional messages, both for XXXX XXXX referencing the same reason for calling and case #. 

I called the number and told the person answering the phone that I already called yesterday to tell them that XXXX XXXX hasn't worked for us in over 2 years and to stop calling. I was hung up on. So I immediately called back and XXXX XXXX answered the phone. I again told him that I had just yesterday demanded that the company stop calling and that he has called yet again. I again demanded that he stop calling. I told him I am filing a complaint with the NV Attorney General.
Product: Mortgage

Hello, We are trying to avoid foreclosure at all costs whether its through a modification or a deed in lieu. The servicing of our loan was recently transferred on XX/XX/XXXXto Selene finance from XXXX. We have been sending all requested information to XXXX prior to the transfer with no response only for XXXX to tell us this week that they can not answer any of out questions any longer since Selene is the servicer as of XX/XX/XXXX. We called Selene finance all week and they have sais they do not have the file in the system yet to help or answer our questions. I advised them that the letter says it transferred onXX/XX/XXXX and the sale date isXX/XX/XXXX and we don't ; have much time. the reps at Selene have been telling us that it might take another week for the loan to be up in their system to help us. I told them that will be too late. They didn't seem concerned or willing to help. they told us to call an attorney or the previous servicer which already told us they do not have the file. We attached the transfer notice. Reason for default was due to one of the borrower 's XXXX. We are now financially stable after the hardship and are looking for a modification or a deed in lieu to avoid a foreclosure on the credit report. Apparently the banks need time to review the docs but know one is willing to help answer questions since the file is not in their system yet. Who can help us. We are desperate and in need of guidance. XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Product: Mortgage

The company denied me the holder in due course first time unlawfully regardless of why stating false information on why they denied me I demand they accept my application without prejudice
Product: Credit card

I asked Chase Bank to stop sharing credit information with the credit bureaus for an account on which I am ONLY AN AUTHORIZED user. Chase refused to do that and it argued that it received approval from principal user ( i.e. principal user is the person who applied for the credit card ). 

This seems unfair because a bank should get approval from the AUTHORIZED user since it might negatively impact his/her credit ( approval from the principal user is not sufficient )
Product: Debt collection

Paid off a settlement offer for a debt to XXXX XXXX, Account XXXX XXXX. They said they would send a letter within 24 hours acknowledging payoff, and never received it. Then said 24-48 hours, then said maybe Tuesday. Need this pay off to be able to credit card process for my business, hurting my business.
Product: Mortgage

Problem : Ditech is my mortgage company looking at the statement since XXXX and what I owed versus what I paid, unable to understand how the money paid was allocated and to whom because new statements reflect new/different charges. Also my Principle on XX/XX/2017 was XXXX and in XX/XX/2018 its XXXX but I paid XXXX in XXXX. I have called and was told it was being review and someone would get back to me but they dont and today was told to submit the request in writing but the agent was not sure about any details and when someone would get back to me. We were behind on our payment and since XXXX have been aggressive about catching up and last time we spoke, like the time, prior, and prior to that, was told to pay this amount and then you will be caught up. I think part of the issue is that inXX/XX/XXXX {$4500.00} was reapplied to my account. This is money what was paid and applied prior inXX/XX/XXXX. In XXXX of XXXX the money was backed out to my account, backing out monies from Principle, Escrow, advances or anything related to the loan and the remainder was applied to monies owed but I still think I am over charge and with details, I could understand if I am not, that is a possibility
Product: Credit card

i have been charged for almost XXXX XXXX in charges. i have told US bank that these charges are not valid charges they refuse to even ask these companies to provide proof, i have filed a police report and have asked numerous times to dispute these charges. i have entrusted this bank with my money and they have not followed any laws and denying my legal rights. these charges are fraudulent and i want my money returned to me