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

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2024, XX/XX/2024, XX/XX/2024 were disputed I am writing to request your assistance in resolving fraudulent accounts and inaccurate information on my credit report. Recently, my wallet was stolen, and as a result, my personal information has been misused to open fraudulent accounts that do not belong to me. Given that I am currently in the process of buying a home, it has become crucial to rectify these inaccuracies and ensure that my credit report reflects accurate and reliable information.I kindly request that the Consumer Financial Protection Bureau investigate these fraudulent accounts on my credit report. I believe that upon thorough investigation, it will become evident that these accounts are a result of identity theft. Therefore, I respectfully request the removal of these fraudulent accounts from my credit report, as they are negatively impacting my ability to secure a home loan and move forward with the home-buying process. I hope I am doing this correctly. If not i am taking a calculated risk with hopes of creating a great and lasting change in not only my life but also my XXXX children who don't deserve to struggle on my behalf.
Product: Checking or savings account

I filed a dispute with us bank against XXXX  for 3 transactions. Us bank mailed the dispute forms to the wrong address. When I called to correct their error inwas given the run around. I also had an issue with a XXXX  transaction being processed through after I had already cancelled all the recurring transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was leaked in the XXXX  data breach and ever since someone has been using my information to open different accounts in my name. There is credit cards, medical bills, loans, a mobile phone, and even a bankruptcy. I filed an FTC identity theft report and it was so many accounts it didn't even let me input all the incorrect info and accounts. I filed a police report with XXXX XXXX Metro and disputed all incorrect info with all three credit bureaus more than once. They have not even removed one account and I should not be held liable for things that I didn't authorize.
Product: Debt collection

I have a mark on my XXXX Credit report showing that I failed to pay an "original balance" of $XXXX from XXXX XXXX. It states that the "Date Opened" (of the account) is XX/XX/2019. It is now in the hands of Southwest Credit Systems (XXXX XXXX XXXX, XXXX, TX XXXX). It shows an Account # which I have never seen before.I have no accounts with XXXX XXXX. I have not had any account or accounts with them in over a decade. I was never notified of any such debt. This negative mark is hurting my credit score and it has been for several months.
Product: Debt collection

Simply put I 've never heard of Diversified Consultants. Ive never spoken with them on the phone and I certainly never paid them anything. Since no payment was ever made to Diversified Consultants, by reporting any account as Paid, Diversified Consultantsare stating that a payment was received by them from me, when it was not ie ; providing False information to a credit reporting agency in violation of the FDCPA, and Willfully furnishing inaccurate & misleading information in violation of the FCRA. Simply put they are breaking the law and costing me money.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, CITIZENS ONE add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 the XXXX XXXX sent {$2000.00} to Chase Bank in my name ( COVID relief fund ). On XX/XX/2021 I initiated a bank transfer from Chase Bank to XXXX XXXX. Unfotunately, I entered an incorrect checking account number. After about a week when the {$2000.00} never hit my checking account I started following up on the transfer with Chase Bank. I corrected the checking account number on the Chase Bank record. Their escalation team could not help. I checked with the XXXX escalation team. They had no record of the transfer ever reaching XXXX XXXX. Both Chase Bank and XXXX XXXX asked me to check with the XXXX XXXX. The XXXX XXXX escalation team indicated the money was " deposited '' on XX/XX/2021. I think that translates to a transfer was initiated. 
I have had several conversations with the XXXX XXXX, Chase Bank and XXXX XXXX. None of them can " find '' my {$2000.00} and credit my account, or, give me the opportunity to correctly transfer the money. 
I have attachments.
Product: Mortgage

On XX/XX/XXXX we were given a pre-approval letter for {$130000.00} for an FHA home loan from XXXX XXXXNMLS # XXXX Ohio # XXXX. This was after submitting all the documentation on First Ohio Home Finance 's website and submitting additional paperwork requested by XXXX XXXX including 2017 XXXX, two recent pay stubs and 2017 return. 

On XX/XX/XXXX after looking at some houses and meeting with our realtor, we decided to request to see if we could get approved for a larger amount of {$150000.00} if we provided a higher down payment burrowed from my XXXX account. XXXX requested that we send him additional paperwork, which included our two most recent paystubs and both of my child support orders. The child support orders did not differ from any information that was previously submitted to the company. 

On XX/XX/XXXX after all the paperwork that XXXX requested was emailed to him, he sent us a new approval letter for {$150000.00}. He called me to say that this comes with stipulations and that I would have to pay off a Car loan to get approved for this amount. 

After this date, we sent emails to XXXX to have him determine are all in price ( mortgage, insurance etc ) for a few homes we were interested in. On XX/XX/XXXX we asked about a home with a price of {$110000.00}, well under the XXXX pre-approval given on XX/XX/XXXX. He wrote in an email that I would have to pay off my car in order to get approved for this home. We also asked about a home at XXXX, again we said I would have to have my car pay off my car loan. 
Again my car loan was on my credit report which the company had access to before the first approval of XXXX. 

On this date he started to be more aggressive by emailing us " get into a contract on a home and we will do our best to get approved ''. 

On XX/XX/XXXX we emailed again about a home for XXXX, he said we may be able to get away with not paying my car loan off to be approved for this loan. We started to think that this company was practicing fraud and that this specific lender was falsifying information in order to get lenders into a house contract on houses they would not be approved for. 

On XX/XX/XXXX XXXX spoke with our realtor. She called us directly after the conversation. XXXX said " they will not be approved for anything more than XXXX if they do not pay off the car loan ''. 
Why did we not receive a pre-approval letter for XXXX originally instead of the XXXX? 
Why did XXXX not disclose to us that we would not be approved for anything more than XXXX if we did not pay off the car loan? 

The evidence supports the fact that XXXX was attempting to deceive us in order to get us to sign a contract on a home we could not be approved for. He told our realtor that if we signed a contract " we would figure out how to pay the car ''
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with XXXX 's investigation. I have already addressed this issue to XXXX but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed : XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX EQUIFAX MORTGAGE SER Inquired on XX/XX/XXXX EQUIFAX MORTGAGE SER Inquired on XX/XX/XXXX EQUIFAX MORTGAGE SER Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the following medical debts that have not been validated and updated with the company name or contract information. I don'tknow 1 ) if this is my debt 2 ) if it is my debt WHO I Owe and where to pay. 
I have already disputed with Equifax multiple times over 4-6 months and still I do not have further information about the alleged debt listed below. 
I have a right to an accurate credit file and this type of inaccuracies is unacceptable. 

Account NoXXXX Amount {$77.00}
Product: Student loan

I just cant get any lower payments with Navient. The amount is way to high and with the school XXXX being shut down due to fraud with financial aid I don't believe me or any other XXXX   should pay that amount back if not paying anything back. I cant use my credits that i earned from XXXX to go to another school if i wanted to. I would have to start over.
Product: Debt collection

XXXX and XXXX after court date and again in XX/XX/XXXX. Iexplain to rep that I could not payment a large payment they was requesting and was advised to make good faith paymrents would prevent further action. my hours were cut and I am struggling to work due to health issues along with I am caregiver for my mother. I was n't able to send anything for a 3 months and I sent XXXX pymt in XX/XX/XXXX. I have sent several letters to them over the past year asking for reduced payment arrangement and proof of balance. No one can provide detail of where this balance contained. I feel being served a wage garnishment in the mail and I called again today and told they ca n't set up payment arrangement for less than {$63.00} a month. If I had an extra {$63.00} I would be paying that. I am working approximately XXXX hours a week at XXXX an hour and odd jobs and i have sold numerous items. I have n't ran from them and they refuse to work with me instead taking legal action forcing me to be stressed out and feeling threatened. If they do take money from my checking or pay check it will cause my mother and I to go without medicines and food and no transportation for doctors appts or the few hours I am allowed to work. I owe the IRS, VA Taxation, Student Loans, Rent, car payment I am getting ready to lose, car insurance, etc etc. I have asmall craft business but I do n't have the funds to even by fabric to resell or pay for my XX/XX/XXXX license. I feel I will be forced into BK and I ca n't afford that either. I have XXXX dollars in a checking account and another overdrafted I am trying to pay before the IRS comes after me. I am the caregiver for my mother and the little funds I make mostly go to food and medicines. Can someone please ask them to work with me? I ca n't handle the pressure of them not working with me. I owe the debt I do beleive the amount is wrong from the beginning but no one will help me and I want to pay this as bad as they want me to. Can you help me?
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX, 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: Checking or savings account

I've made a complaint on a withdrawal because of it the bank is closing all my accounts including my credit card account ... Because Ive reported a complaint I'm been disciplined for one of their employee 's stealing thousands of dollars from me.. its several deposits that aren't being computed properly dating back to 2020 upon opening my account
Product: Debt collection

Portfolio has not provided proof of the alleged debt nor a contact bearing my signature on the original contract of agreement with this company. I do not owe any debts to this company. This company is reporting inaccurate and unverifiable information to the credit bureaus with account number XXXX, XX/XX/2016. for {$930.00}. i have investigated recent history on this erroneous company which proves this debt collection company to report and collect on inaccurate debts. I am demanding Portfolio to stop all collection attempts and delete this erroneous debt from my credit report immediately or i will have to take legal action. 

Portfolio Recovery Associates illegally attempted to collect debt that they knew, or should have known, may have been inaccurate or unenforceable. Specifically, the CFPB found that the companies : Attempted to collect on unsubstantiated or inaccurate debt : Portfolio Recovery Associates stated incorrect balances, interest rates, and payment due dates in attempting to collect debts from consumers. The companies purchased large portfolios of consumer debt with balances that sellers claimed were approximate or that otherwise did not reflect the correct amount owed by the consumer. Sellers also warned the companies that some of the debts they were buying may not have the most recent consumer payments deducted from the balance. Some sellers also represented that documents were not available for some of the accounts. The companies continued purchasing from these sellers and then collecting on that debt without first conducting any investigation to determine whether the debts were accurate and enforceable.
Product: Credit reporting or other personal consumer reports

Experien signed me up for a $ XXXX subscription while I was thawing my credit. Now they say if I drop their subscription I will no longer be able to freeze or thaw my credit.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, an unrecognized inquiry from XXXX XXXX XXXX Appeared on my Experian credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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 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.
Product: Payday loan, title loan, or personal loan

On XX/XX/20 After being transferred around between multiple departments at Ally Bank. I finally got a representative in the billing department. I explained that I recently got a new installment loan and set up the payments online. During the online setup I accidentally set up a onetime payment and reoccurring payments for the future months to come. They both pulled at the same time when only one should have pulled for the month of XXXX. I explained the situation and it is clearly noted in my transaction history. I asked for one of the payments to be returned since I honored my monthly obligation via the loan contract. The representative attempted to provide me an alternative that was not conducive to my financial situation. She explained that she could just apply the extra payment for XXXX. I let her know I just wanted it to be refunded to my account. The representative stated since I did not got through my bank that it could take up to 7-10 days for it to be investigated. I was not sure exactly what needed to be investigated if the transaction history clearly shows a double payment. I finally spoke with XXXX ( XXXX ) supervisor of the payments and billing area. This supervisor told me that the payment can not be returned because I have an outstanding balance. I explained to her that I honored my loan contract, I have not gone into delinquency. I advised her that this is an unfair, deceptive act, and practice. She replied back that I am wrong that its only unfair if it was based on my race, ethnicity or gender. Instead of arguing with her I asked her to send me an email as to why she can not refund my payment, she stated that she can not do that and that she will escalate my request to be investigated. 

Thankfully I am not in financial distress and this has not caused me any fees, but I can not imagine the other customers they have that are in a bad situation. This practice should be thoroughly investigated especially in these unprecedented times. The reason we take out loans is so that we can make affordable payments towards them. If we are making our payments and accidentally apply more it should be returned back if requested. In this situation the consumer ( myself ) was punished for making a extra payment and not going through my financial institution to have it refunded, when they were not the originating bank. 

Ally Bank also makes it very difficult to contact them electronically. It seems as if its to conceal the consumer from having evidence of their unfair, deceptive, acts and practices. 

XXXX did provide me an investigation confirmation number : XXXX
Product: Checking or savings account

At the onset of the COVID-19 crisis, I experienced financial hardship. As a result, I received a credit for {$350.00} worth of overdraft fees assessed to my checking account. On XX/XX/20, I noticed that the credit issued to me of {$350.00} was reversed. I called customer service and was transferred to the claims department. I was told the {$350.00} credit was temporary because my hardship was due to a delay in a stimulus check, which was inaccurate. I explained the situation and stated that the credit was never communicated to me as being temporary. As a result of this reversal, I also suffered a {$70.00} fee for insufficient funds. I explained to the representative that the entire amount of fees should be reversed but she stated that BOA will not reverse those fees. I asked her, repeatedly, to put me on hold and speak to her supervisor to ensure this was accurate. I warned her that taking such a stance is unreasonable, due to the pandemic and my years as a loyal customer, I would be filing a complaint with the CFPB. She finally placed me on hold for a long period of time and I eventually had to hang up. I feel as if I was purposely placed on hold for a long time so that I gave up and hung up. I find BOAs position and response to be disgraceful.
Product: Debt collection

Ive sent the first debt Validation letter to Portfolio Recovery Associates on XX/XX/2019 and they didnt send proof of validation, so proceeded to submit another debt validation on XX/XX/2019 and they basically said that any more letters will be ignored because they dont have to validate the debt. The newest letters I received from them was on XX/XX/19. To my know knowledge this is a violation of the FDCA so this is why I am making this complaint so they can remove this account from my credit which is negatively effective me.
Product: Checking or savings account

My husband and I have had money stolen from our checking account on five separate occasions. We've reported these fraudulent ATM withdrawals with our bank each time an unauthorized withdrawal came through. My husband and I can 100 % attest that we did not make these withdrawals. However, after many calls and over a dozen hours have not received any answers from our bank. They honored a couple of the charges as being fraudulent then turned around and determined other transactions were valid although my husband and I have never been to this ATM and live at least two hours away from this city. Some of the withdrawals happened before we even had newly issued debt cards in our possession. Our cards were not stolen at any point. At this point we haven't been given any answers to how these thieves are accomplishing these transactions. We taken every step possible to remedy the situation but all we're getting from our bank is that because these are atm withdrawals that seem to have been completed with a chip protected card/pin they must be legitimate. My husband and I have been stolen from and we need help.
Product: Debt collection

Portfolio Recovery Associates calls me on almost a daily basis trying to collect a debt that is way past the statute of limitations on debt. I have asked them to stop calling me and told them that I have no intention them of paying a debt that is past the statute of limitations, especially when the debt was sold to them from a credit card company. I am not going to pay them for a debt that I never signed an agreement to pay them for. The debt was with a credit card company several years ago, not with them. I have explained this and asked repeatedly for them to stop calling but they continue to harass me.
Product: Debt collection

I would like to request a digital and hard copy of the Purchase Agreement from LVNV FUNDING LLC of the alleged debt you claim I owe. The process of buying debt always include a contract which should explain in detail the following, What was bought, What representations are made for accuracy, What can be done with the debt, and the exact amount.