23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

on XXXX/XXXX/2015 i went to store # XXXX XXXX GA XXXX XXXX XXXX to put on my prepaid card and i was told to pick up the western union phone an i did and the lady proceeded to ask me for my account # an i told her it was a prepaid card i wanted the money to be available the same day she still ask me for acct # ok so when the money wasnt available within a couple of hours i call the western union back an told them that she did n't conduct the transaction correctly an i needed a refund an they told me i had to wait XXXX hr an i been doing that since this happened an still waiting for my money they told me it would be in my bank on Monday it Tuesday its still not there i call again they told me to wait XXXX more hours please help so angry they have terrible customer service
Product: Checking or savings account

Truist bank offered XXXX dollars online to new accounts if you direct deposit XXXX dollars in direct deposit in 90 days. I filled out the forms online and was told my identity could not be confirmed despite providing all details. I go to the bank branch to open an account and they start a ticket but the bank is dragging ing its feet. They offer these incentives then make you jump through hoops to get the XXXX dollars online credit. I have set up direct deposit with them and generally feelI am being jacked around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all three credit bureaus a certified letter requesting that this closed account from Wal-Mart XX/XX/14 be deleted from my credit reports. It's been over 90 days and they have yet to respond or delete this request. This violates the FCRA law that States that the bureaus must respond to consumer disputes in a timely manner.
Product: Mortgage

I had been working on a XXXX  standalone mortage to cure a past due balance for several months. The first time I completed it, Freedom mortgage put the wrong maturity date on the documents, it was rejected by county recording, and it took them XXXX months to correct. During the time I was in process, Freedom Morgage had robo called me XXXX times between XX/XX/XXXX to XXXX XXXX of this year to the point I had to remove my number from my online profile and block them on my phone. They were also having people post notices on my door at home. I called around XX/XX/XXXX and requested they cease leaving notes on my door. I called their closing team number XXXX on XX/XX/XXXX when they did it again. They have since posted a XXXX letter XX/XX/XXXX and, a person in my house saw it with my private information disclosed. I tried to request a XXXX time to cease and desist in writing via the website and the system would not allow me to do so. This is a serious privacy violation and harassment of a XXXX XXXX XXXX XXXX with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a situation with  XXXX   XXXX   XXXX   XXXX . They are reporting a negative home equity line of credit account to the credit bureaus of Transunion and  XXXX . It is past t he seven years  that this item should stay on the reports and it should now be removed, however, they are incorrectly reporting it for a longer period of time.     There has been very strange activity with this  XXXX   XXXX   XXXX   XXXX  account. I am disputing items and requesting written documentation from  XXXX   XXXX  documenting all payments made from  XXXX  to  XXXX  as well as multiple consistent 120 day late entries from  XXXX  to  XXXX . I have made no payments whatsoever past  XXXX  yet it shows payments resurfaced and also made consistently, with latenesses, occurring in  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX . Actual pictures of the check or money order used to make the payments are being requested.
Product: Credit reporting or other personal consumer reports

I am including XXXX and XXXX in this complaint because I am receiving a similar response from all three credit reporting agencies for years now and have spent thousands trying to rectify their errors. 
On the XXXX of XXXX of 2023 I filed a complaint against Equifax with the CFPB because for the past 2+ years I have repeatedly disputed accounts that are incorrect, incomplete and or not mine along with documents showing that the information is inaccurate, incorrect and or not mine, including Equifax own admission that my information was compromised in Equifaxs recent data breach. This morning I call Equifax to inform them once again that the information they are reporting on my consumer file regarding all XXXX XXXX XXXX, is inaccurate, incomplete and/or not mine. I requested that they send me the investigation results they obtained from the furnishings company verifying the disputed accounts are in fact verified as they claim. I was disheartened and disappointed to learn that not only did Equifax close my previous dispute with no reinvestigation leaving the disputed accounts still reporting but was also told that Equifax does not verify the account is accurate, complete and verified themselves but relies on the company that is paying Equifax to determine whether or not the information they are furnishing is verified. This has been going on for years and continues to damage my reputation and livelihood. I have sent Equifax proof that these accounts are inaccurate, incomplete and or are not mine in addition to the same account double reporting and reporting to other credible reporting agencies under a different name account information. Equifax continues to do nothing but claim they will respond and then sends an irrelevant automated letter in the mail. I have attached a copy of the proof sent by XXXX which clearly shows information that does not belong to me. These documents include a different name, different ID, different address, different phone, different email, different state and no signature and no mention of a loan with either company and shows a document that could easily be filled in online, printed and mailed by anyone. I asked the company for a copy of the loan and promissory note and neither were provided. Equifax, XXXX and XXXX have failed to truly reinvestigate to insure the information being furnished by these companies is mine and accurate and complete. I am attaching a copy of the companys and Is correspondence in addition to the original complaint filed on the XXXX of XXXX, 2023. Additionally, I have repeatedly reached out to XXXX and have ONLY heard back from XXXX. XXXX and XXXX have no business with me and I do not owe them a dime. They are using information that does not belong to me in an attempt to verify these disputed accounts. Additionally they are reporting the same accounts, it would appear, 7-8 times on two of the three agencies and with inconsistent information across the board. How is this allowed, how is this VERIFIED of UPDATED?
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase has stated it did an investigation and did not receive any letters of dispute. Chase did not do an investigation. On XXXX XXXX, 2017, I sent Two letters of BILLING ERRORS and requested specific documentation. USPS CERTIFIED # XXXX XXXX XXXX XXXX XXXX XXXX and USPS CERTIFIED # XXXX XXXX XXXX XXXX XXXX XXXX. I received no response. On XXXX XXXX, 2017, I sent a second Notices. USPS CERTIFIED # XXXX XXXX XXXX XXXX XXXX and USPS CERTIFIED # XXXX XXXX XXXX XXXX XXXX, requesting specific documentation. I received no response to the questions stated on the BILLING ERROR. Under the FCBA the Creditor has 30 days to respond, no more than 2 billing cycles, and 90 days most! All of that has come and gone with no response to my concerns or questions. This constitutes the alleged debt cancelled, without negative marks on my credit report under the FCBA. I no longer have a valid agreement or contract with CHASE and will excersise my administrative rights under the full extent of the law. Any further contact or attempt to collect will be considered harassment. I reserve my rights!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX XXXX XXXX- Account Number # # # # # # XXXX ( no account number provided ) has violated my rights : 15 U.S. Code 1681 Section 602 A- I have a right to privacy.

15 U.S. Code 1681 Section 604A- A consumer reporting agency can not furnish an account to my credit report without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations. 

Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. 

Drawing from my research and complete comprehension You nor any entity is permitted to keep any non-compliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the XXXX character format fielded XXXX statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal XXXX ( XXXX ) portioned personal identifiers, and even the unabbreviated XXXX pieces of confirmation to collect. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Name of Alleged Creditor : Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence. 

INQUIRIES TO BE REMOVED : XXXX XXXX XXXX  - XX/XX/year> - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXX XXXX - XX/XX/year> - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXX XXXX - XX/XX/year> - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several student loan accounts and credit accounts that are inaccurately reporting lates on my credit file. The following accounts have accurate late reportings : XXXX XXXX - Open date XX/XX/2019 XXXX ( 10 accounts ) - Inaccurately reporting 120 days late There are address information that don't belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are incorrect name on my Transunion File : XXXX
Product: Mortgage

I contacted LeaderOne Financial in XX/XX/2018. I was told that we have plenty time before we have to get the ball rolling, since closing is set for XX/XX/2018. When we got to about three weeks before closing, LeaderOne Financial agreed to match a locked loan estimate I received from another lender on XX/XX/2018. They did this by working with and XXXX XXXX XXXX ( both in Colorado ). Three days later on XX/XX/XXXX, they simply said they can not match it anymore. They dragged their feet on the entire process so that I am forced to go with them. No other lender is able to close on time now. This is essentially costing me about {$10000.00} ( not out of pocket, but in lender credit and closing costs not to even mention the stress, time and effort ). 
I started getting suspicious when LeaderOne Financial outsourced to  XXXX XXXX XXXX, and started using personal email address rather than company email address. They both then outsourced to a major bank ( XXXX XXXX ) who called me and was upfront with me and explained there is no way they can do what these lenders promised me. Now they simply gave up and left me with the mess. I have to forego the deal on the new property and start from scratch.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY 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 of 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

XX/XX/XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed one ( 1 ) credit inquiries that I find to be problematic. 
The first inquiry in question was apparently made by Tower Loan on XX/XX/XXXX and I have in no way cooperated in any business with Tower Loan LLC.

I contacted Tower Loan LLC, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. As my account wit this company has been closed since XXXX and is listed as follows Remarks : >UNPAID BALANCE CHARGED OFF< Estimated month and year that this item will be removed : XX/XX/XXXX TOWER LOAN XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX
Product: Consumer Loan

I previously contacted your agency on XXXX XXXX, 2015 regarding my loan with Credit Acceptance Corporation ( CAC ). At that time, you accepted CAC 's response that they had tried and failed to contact me with an explanation of the money that was supposedly due them. You were given false information as I have not received any phone calls or written correspondence from CAC with any information. In fact, I have called CAC numerous times to try to straighten this out only to be transferred from person to person ( who could n't answer my questions ) and be falsely told that someone would be call me back with answers. To date, as I stated above, no one has contacted me. Because of this lack of communication on CAC 's part, my truck was re-possessed this morning. I think the way this matter was handled by CAC has been unfair, unlawful and unethical. I will be attaching a spread sheet showing what was due and what was paid as well as a copy of my initial complaint to you. I need to get to the bottom of this as when they took my truck, my daughter 's purse was in the truck which contained her driver 's license and her social security card as well as those of her minor children. As she is a school bus driver, she can not work without her driver 's license. This situation has gotten out of hand, please help.
Product: Student loan

I was forced to transfer to this lender in XXXX of 2021. It had been XXXX every since. When I call I am either brushed off or lied to. No one knows when my payment for my prior lender made on XX/XX/2021 for {$200.00} will transfer over even though all of my other payments have tranfered over. They also lied and said my XXXX payment was made to the wrong address and was rejected which was a LIE! The payment was applied like 3 days later. Please review all of my calls from XXXX to current to hear all the lies and inaccuracies. It was a PAIN getting documents from them when my loan was transfered over but they want me to pay then XXXX and they provide terrible service.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$390.00}, XXXX XXXX Balance Owed : {$160.00}, XXXX XXXX Balance Owed XXXX {$340.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance : XXXX
Product: Student loan

I was contacted two days ago by Navient trying to collect on my private loan of {$32000.00}. When speaking to the agent, I requested a form the school misconduct discharge application. The reason I requested it was because becase I was lied to by the school I attended XXXX XXXX XXXX XXXX they stated they were an accredited school however, the credits are not transferable to any college and the diploma is not recognized by the state of Florida. I attended XXXX XXXX XXXX XXXX, This school was included in the lawsuit of XXXX XXXX  XXXX And deemed a predatory school. This form is so I can have my private loan discharged. However, Navient will not send me this form!
Product: Debt collection

I have written several disputes to FIRSTPOINT COLLECTION RESOURCES INC, and they have never responded at all. I have no idea who FIRSTPOINT COLLECTION RESOURCES INC is or why they are on my credit. I have rights! I demand that you help me! They are not allowed to report accounts that are not validated to the consumer! Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022 Ive been disputing with XXXX, XXXX and TransUnion via credit repair services! But to no avail nothing never has happened to my satisfaction!
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations not mine see the Ftc : XXXX XXXX Reported balance {$1400.00} Check if I should dispute Dismiss this action
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX XXXX XXXX sent a refund payment to Paypal. On XX/XX/XXXX paypal sent me an email saying that I have money in my paypal account. The amount should be around XXXX, neither organization has specified amount. I've tried to contact them to no avail. My account was closed when I notified them that a transaction was fraudulent after getting an email that a purchase had been made on my account. I contacted them to let them know and they said that the email must have been a scam, then my bank contacted me and I let them know that the transaction was fraudulent. Paypal then deactivated my account and I told them to close it. I have no access to this account now and can not reach them by phone. I've tried the resolution center but it just sends me over to activating an account and adding credit card information. I don't want to add credit card information, I want the money that was sent to them as a refund to me. 
They sent me a 2020 statement, I checked XXXX and XXXX and there was no money for either month. The money was sent to them on XX/XX/XXXX and they acknowledged on XX/XX/XXXX.
Product: Credit card or prepaid card

I WAS TRYING TO CLOSE MY CREDIT CARD ACCOUNT WITH THIS BANK ON XX/XX/2018.THEIR CUSTOMER SERVICE WAS VERY BAD. I WAS ON THE PHONE MORE THAN ONE HOUR. MY CALL WAS TRANSFER FROM ONE DEPT. TO OTHER. MORE OVER CALL CENTER WAS IN XXXX & THEY DID NOT HAVE ANY RESPECT FOR AMERICAN CUSTOMER.I COULD NOT CLOSE MY ACCOUNT.
Product: Mortgage

I am XXXX XXXX XXXX and have owned my home for almost 28 years. I have suffered great stress from PHH Mortgage 's improper servicing of my reverse mortgage and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filing of their foreclosure lawsuit against me. PHH placed very expensive, forced-placed insurance on my property. PHH offered me a repayment plan for my property charges on XX/XX/2022. I accepted and timely executed the repayment plan on or before XX/XX/2022. I timely made regular monthly payments under my repayment agreement through XX/XX/2022. Despite my acceptance and performance, XXXX and PHH went ahead and filed a foreclosure action on XX/XX/2022 and continue to maintain the lawsuit while accepting my payments. PHH rejected my payments starting in XX/XX/2022. I applied for an At Risk Extension and PHH received the application with my budget and doctor 's letter on XX/XX/2022. PHH has yet to process my At Risk Extension request and continues to maintain the foreclosure lawsuit. I sent PHH three Notices of Error and Requests for Information on XX/XX/2022, XX/XX/2022 and XX/XX/2022. I did not receive a response until XX/XX/2022. It is a partial response. Amidst all of this, PHH has also refused multiple times to accept Releases that I properly executed authorizing my attorney of record to communicate with PHH on my behalf. PHH continuously created unnecessary delays. In XX/XX/2022, I asked for a Reinstatement Letter to cure the amounts in default. I timely sent full payment of the amounts in the reinstatement/cure notice via third party payment as instructed by XXXXXXXX XXXXs counsel. The instructions for payment by XXXX listed an incorrect account number. PHH has held onto the default cure check for almost a month and is refusing to deposit the funds to my loan. Not only has PHH broken our contract for repayment, but PHH has refused to process every single attempt that I have made to resolve the loan default and cease litigation of the foreclosure action. To date, the lawsuit is still moving towards foreclosure of my home.