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

This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! 
This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! This company is braking several laws while violating my rights as a consumer under the FCRA & FDCBA! 
I reached out to the courthouse they sent me this letter in the mail that I will attach they do not report my bankruptcy to the credit agencys, somehow they wont give me the method of how they are validating this information. I asked the third party vendors to not share my information as I have consumer laws in place to protect me! They continue to ignore me 15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, XXXX XXXX XXXX reported my account delinquent to the credit reporting agencies. I settled my account with XXXX that year and paid my account per the settlement. According to FCRA, XXXX and XXXX should have removed the settlement from my report as of XX/XX/XXXX since I have already met the 7 year reporting period. I 've tried on several occasions to correct this with XXXX and I am continually told that they are reporting correctly. When I called XXXX on XX/XX/XXXX a XXXX rep told me that the item would stay on my report for 10 years. According to FCRA, the item should be removed from my credit report now. It has been removed from XXXX and XXXX but XXXX is not removing it. Every time XXXX contacts XXXX, XXXX tells XXXX that they should continue to report because the report is accurate. After reading the FCRA rules, I know the account should be deleted from report. I need help since I 've been trying to get this resolved for months with the same responses from XXXX and XXXX. This is also happening with XXXX 'XXXX XXXX ( credit card now through Synchrony Bank was through XXXX XXXX ). XXXXXXXX XXXX XXXX was also settled and first reported delinquent XX/XX/XXXX. I have tried on numerous occasions to resolve this with XXXX XXXXs XXXX and XXXX with no positive resolution. 

Both companies reported XXXX dates of delinquency and started changing the months with each investigation request. I am only attaching copies of my XXXX credit report that show both accounts settled and first date of delinquency as well as a report where a change in the history is made.
Product: Mortgage

Applied for home mortgage more than 40 days in advance of closing. Loan number changed about 2 weeks prior to closing and we were told the loan number could not be transferred to the new appraisal, which was the las item needed for an agreed-upon closing date. This system issue delayed our closing date, which is a huge inconvenience to all parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Harley Davidson Credit account # XXXX has been settled and Paid. This account should be reported as " Closed '' XXXX  and XXXX incorrectly continue to report the account as " Open ''.
Product: Debt collection

Spring oaks capital LLC is re opening a debt and hitting my credit score again for a debt already reported and impacted my score. This dropped my credit score XXXX points for something showing under another debtor already.
Product: Debt collection

On XX/XX/XXXX, I received a Court Summons that Citibank was suing me over an account that they claim I OPENED in XXXX of XXXX, and charged nearly {$5500.00}!! THIS IS A LIE!! Since the LATE SUMMER of XXXX, I have been battling with IDENTITY THIEVES, and Citibank CLOSED my account AND WROTE IT OFF AND CHARGED IT OFF OVER A YEAR AGO!! So, this account that they claim I opened in XXXX of XXXX, is A FRAUD!! I WON'T PAY IT!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is refusing to block fraudulent information on my report.I 'm at my wit 's end with this.Please help.
Product: Vehicle loan or lease

I had an auto loan through Bridgecrest secured by my car, a XXXXXXXX XXXX XXXX  XXXX. 

On XX/XX/XXXX, the car was in a total loss accident. Insurance Claim was processed through XXXX, and Bridgecrests loan was repaid in full. After the loan was repaid, Bridgecrest has failed to provide a full refund for the overpayment they received. 

XXXX shows two payments made to Bridgecrest. One payment on XX/XX/XXXX for {$38000.00} and a second payment of n XX/XX/XXXX for {$20.00}. 

Bridgecrest shows they received a payment of {$38000.00} from XXXX on XX/XX/XXXX, repaying the loan in full ( including interest ). They then show this payment reversed on the same day, and then two separate payments received from XXXX on XX/XX/XXXX for {$38000.00}, and for {$20.00}. Bridgecrest claims to have received {$170.00} less than what XXXX actually paid. 

I have received two paper refund checks from Bridgecrest for the overpayment. One for {$150.00}, and the other for {$750.00}. I deposited both checks, and several days later Bridgecrest sent a stop payment for the {$750.00} check and the deposit was reversed. 

I have followed up with Bridgecrest via phone for an explanation several times only to be told their accounting team is working on it and to call back next week. My account access through their portal was automatically terminated once they received repayment, so I have no access to the account information other than the transaction history they shared over email. The Bridgecrest transaction history does not match XXXX payment records ( neither payment amounts nor dates ), and inaccurately shows my XX/XX/XXXX loan payment of {$750.00} was refunded. Bridgecrest has not been able to confirm the amount I am still owed, or when I can expect to receive funds from them despite several phone calls and weeks of waiting. I do not believe they can be trusted to keep accurate account/payment records, and they do not appear to have any intention of refunding me for the {$770.00} of overpayment they are still holding.
Product: Debt collection

See attached files for dates and times ranging from XXXX - XXXX of communication between myself Resurgent and XXXX XXXX XXXX I wrote XXXX XXXXXXXX XXXX to issue my copy of 1099 due to account being charged off. And collection company respond to my request to verify debt. 

12 CFR 1006.18 prohibits debt collectors from engaging in false, deceptive, or misleading representations, which includes reporting inaccurate information to consumer reporting agencies Furthermore the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) govern the reporting of consumer debt to credit reporting agencies. The FCRA, under Title VI of the Consumer Credit Protection Act, regulates consumer reporting agencies and aims to ensure accuracy, fairness, and privacy of consumer information [ 2 ]. The FDCPA prohibits debt collectors from using deceptive or abusive practices in the collection of debts, which includes reporting inaccurate information to consumer reporting agencies. 
Additionally, all of this has caused me massive emotional distress and suffering due to these companies abusing their position and violating me. My life has been a nightmare and I have suffered because of the violation of the FCRA and the FDCPA. 
In summary, I have been compelled to accept predatory loans and subsequently face credit denials due to these companies disregard to follow guidelines instead their violation of my rights highlights broader issues within the lending system, including predatory practices and barriers for me to access fair credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting inaccurate information on my credit report and I have made multiple attempts to speak to them in order to correct the issue. They are reporting a debt of {$1300.00}, when in reality the payment for this account was made on XX/XX/2020. 
Please see the attached check which was clearly cashed by XXXX. They are claiming that there were 2 national grid accounts but thats absolutely NOT TRUE. Please see the attached check and mark this acount as paid. WE reached a settlement deal and 50 % of the debt was accepted. This account was settled.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, at approximately XXXXXXXX XXXX, I was present in XXXX XXXX 's conference room during a meeting with the board members of XXXX XXXX XXXX Those in attendance included XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX Treasurer ). 

During the meeting, we discussed the membership cost for enrolling in XXXX XXXX program, which was set at {$15000.00}. The program was designed to offer various services, including credit repair, information about tax deeds, contracting, buying houses in pre-foreclosure, and assistance with becoming an accredited investor. The goal of the program was to help get houses fixed and sold, with the aim of enabling homeowners to eventually purchase those houses. On the investor side, it would allow us to expand our capital and real assets to take on larger projects and XXXX as a corporation. 

In addition to the initial {$15000.00} payment, a further {$10000.00} was provided as a supplementary payment to XXXX XXXX. However, we have been waiting on XXXX XXXX for XXXX months with little to no communication from him, and there has been absolutely no fulfillment of his duties or promises. Despite our efforts to resolve the situation over the past XXXX and a half months, we have not received an appropriate response from him. As a result, XXXX XXXX XXXX is currently seeking reimbursement for the total sum owed, which amounts to {$25000.00}. 

We then contacted Bank of America XXXX dispute the funds but the claim was denied. They claimed that the amount request was outside of the dispute timeframe. 

The meeting concluded after these issues were discussed. I believe this account accurately reflects what was covered during the meeting and the current situation regarding our dealings with XXXX XXXX. If further clarification is needed, I am available for additional questions.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

The credit company is reporting inaccurate info, it is reporting adverse info for the account XXXX XXXX. Which not correct. They have not provided any paperwork of where they have verified this info that is not correct
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XX/XX/2020, I disputed a unverified collection item, XXXX, XXXX Account number XXXX, with this credit bureau and as of today, I have not received any response from them. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to this bureau in XX/XX/2020 and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue to remove thisUnverified collection item because of the Fair Credit Reporting Act that states 30 days of investigation response and the item should have been deleted or verified. thanks
Product: Credit reporting or other personal consumer reports

On XXXX I spoke with XXXX from KIA XXXX XXXX XXXX. They had a XXXX XXXX XXXX XXXX  I was looking for and I asked if there is any way I can put a hold on it. I already was pre approved with XXXX XXXX XXXX XXXX and was ready to purchase a vehicle. XXXX said the only way to know I'm serious is by pulling a soft credit on me and they would keep it until Saturday. I said that's fine. She sent me a link through text and I entered my info. It looked like the KIA website but it was actually sent to other locations because i received other calls from creditors. When i told XXXX I was done she told me the price and i told her I was no longer interested. I then started calling other KIA 's. I called one in XXXX and they had the car I wanted. I told them I ran my credit already with KIA so you should be able to see my credit report ... would you be able to hold it? They said no because I did it through the XXXX website. I was furious because I had told XXXX i had a loan already and i figured this was only going to KIA. She didnt explain to me that it was going to other lenders. The XXXX agent also told me they dont hold cars by pulling credit.
Product: Checking or savings account

In XX/XX/XXXX I took a trip to the XXXX XXXX for XXXX weekend. I reserved my hotel online through the website and used my debit card at the check-in. This is where I think the credit card terminal was hacked as I did insert my card and used my chip at the check-in. The charges are not from the hotel that I stayed in they are all from XXXX XXXX XXXX and from a XXXX clothing store that I also did not purchase from. I reported this to my bank as soon as I saw the charges pending to my account, and Bank of America reversed them. Later, Bank of America re-instated the charges totaling {$53000.00} and send me a letter dated XX/XX/XXXX. I contacted BOA and they stated that they spoke to someone at XXXX  that said I used my pin and card at the terminal. I requested the name of the person that the BOA representative spoke to and the date and the BOA rep could not give me any details not even the number that they called. So I then wrote a letter dated XX/XX/XXXX back to BOA claims resolution as directed and BOA has not responded back and refuses to return my funds. The charges were all back to back the same day to XXXX and XXXX XXXX XXXX and just small amount of differences in each charge, BOA should know that these charges are fraud just from looking at them.
Product: Checking or savings account

Credit Karma issues bank accounts through XXXX XXXXXXXX. But credit karma refuses to allow access to this account. I am unable to link any bank account to my credit karma account and I have no way in depositing cash into my account. I have tried multiple bank accounts over different days and Im constantly getting an error saying Credit Karma is unable to link external accounts, they offer 0 support otherwise. 

Credit Karma does not allow manual linking of external accounts and their account linking program with plaid does not work. It should be illegal to not allow people to access, weather that be withdrawing or depositing money. It has been over 10 days and Im still unable to link an external account and now am possibly going to be late on rent. This is ridiculous. 

Withdrawing cash is very inconvenient and can almost not be done without fees being assessed, most of all points atms do not work and are not even around. Depending on the time, all atms will be closed and your are forced to use an atm that will assess fees. Credit karma is not allowing access to customers money.
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 XXXX Balance : {$21000.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$9900.00}, XXXX XXXXXXXX XXXX XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}
Product: Credit reporting or other personal consumer reports

My credit report is showing an open account which i currently don't hold. Because of this account my credit debt has increased and its effecting my credit score.
Product: Checking or savings account

On XX/XX/21, XXXX checks totaling {$1600.00} ( that were made payable to XXXX separate insurance companies ) were stolen from my mailbox. The checks were altered. Unauthorized amounts were paid to XXXX XXXX ( for {$2100.00} ) and XXXX XXXX ( for {$4000.00} ). I have never met these people and an unaware as to how this occurred. My bank is Chase. It is my understanding that XXXX is a XXXX XXXX customer and XXXX is a client of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

Capital One opened XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) Listed as Profit and loss write-off Account closed by credit grantor on XX/XX/XXXX is currently paid in full of little to no contact from the bank. 

{$840.00} was the total Subject : Dispute of Paid-In-Full Status on Credit Card Account I am writing to formally dispute the current status of my Capital One credit card account. This inaccurate item on my credit continues to negatively impact my credit. Despite efforts to receive documentation from this institution and work to resolve this issue with the reporting agency directly via phone, it remains unresolved. I'm requesting a prompt investigation of this and removal of this item as it is incorrect and does not reflect my true credit history.
Product: Vehicle loan or lease

My vehicle was repossessed from my enclosure a day before after I told them I would next day air my correspondence. CarMax was asked for a full disclosure of my vehicle and I was not provided that right. I also sent them my correspondence to pay the entire amount and they refused to accept my endorsed bill accordingly to the Bill of Exchange telling me to pay cash money which violates the Bill of Exchange. I am demanding my vehicle back in return along with the title. I followed the law and they are giving me a hard time getting it back. This company is not upholding Federal Laws and this is why I will be exercising all rights.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed inaccurate information despite my efforts.
Product: Bank account or service

When I opened by checking account with Chase Bank, I made a written agreement not to honor any EFT 's nor other debit transactions because I did not like to be bombarded with excessive bank fees. Chase Bank refused to honor this written agreement and bombarded my checking account with a total of {$450.00} bank charges. I am a XXXX retired individual and with a flat income that I receive each month, I can not afford to pay these excessive bank charges. Please help. I tried to call their Customer Service Call Center but I get transferred too many times and I am unable to get a response back with these bank charges. Chases refused to abide with the written agreement that I had with them. Attached you will find the agreement that I signed for. Thank you.