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

For months I have requested that the credit reporting agencies complete a THOROUGH investigation on the following account and send me written confirmation of the method used to verify the information being published to them. They continue to certify that the information is accurate and verified by your company, however I can't help but to notice a plethora of errors remaining within my credit report including inconsistent information between all XXXX bureaus when data furnished is from the same source so how can this be? The negligent errors reported within this account have caused issues within my household and are affecting my wellbeing. As a furnisher, there are rules and regulations you must abide by according to the Fair Credit Reporting Act. 

You are also in violation of FCRA 15 USC 1681eb. Since the account below is charged off as income, I should have received a 1099c regarding this account. I do not recall receiving this from you, but I do understand that you reported this amount as a loss. I will be requesting form 3949a from the IRS because from the reporting furnished to the credit reporting agencies, it seems you are trying to collect on an account that has already been paid. This is called tax fraud upon the IRS and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so I can audit it to make sure you are in compliance. I'm quite sure your CEO OR VP would not want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. 


WORLD FINANCE XXXX I'm willing to cease taking this action if you simply stop reporting this inaccurate information to the credit reporting agencies. I am requesting that you reach out to the credit bureaus and let them know that this account is no longer being furnished to my credit report due to multiple FCRA Violations.
Product: Credit reporting or other personal consumer reports

I demand that the collection agency XXXX XXXXXXXX XXXX immediately stop reporting to the credit bureaus on a completely fraudulent debt. I am attaching the FTC report. The company can prove that the debt belongs to me only by the fact that they know my name and date of birth, they do not have any other supporting information, as well as my signature on the contract does not match my signature. I have never lived in Florida.
Product: Credit reporting or other personal consumer reports

Hello Sir/Madam, I recently viewed my credit report and noticed an incorrect or inaccurate report from a consumer reporting agency that I had a 30-day late payment with XXXXXXXX XXXX XXXX in XX/XX/XXXX XXXX I have contacted XXXX XXXX  XXXX by phone, and they told me to dispute this with all 3 credit bureau reporting agencies. This account has always been paid on time and has never been late since XX/XX/XXXX, and have attached a copy of my payment records. The consumer reporting agency needs to report all information with complete accuracy. Therefore, I am now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding, and respectfully I look forward to your immediate action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX  XXXX XXXX Balance Owed : {$760.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXXBalance Owed XXXX {$440.00} ; XXXX XXXXXXXX Balance Owed : {$620.00} ; XXXX XXXXXXXX Balance Owed : {$740.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$180.00} ; XXXX  XXXX XXXX Balance Owed : {$210.00} ; XXXX  XXXX XXXX Balance Owed : {$58.00} ; XXXX XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXX Owed : {$43.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed XXXX {$730.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$1200.00} ; XXXX XXXXBankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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

I am XXXX XXXX XXXX recent widow, I applied for credit in the amount of $ XXXX. XXXX XXXX would not approve me, yet they have an account listed on my credit report that says it was still open, this should have been taken off after a bankruptcy in 2014 ( XXXX Yrs. ) ago. I have no credit cards, but pay cash for what I need. My credit reports lists me as excellent in paying on time ( I pay XXXX every month for a mortgage they say I don't have ), I have a paid receipt from the county for property taxes paid by ME on property that is valued at {$250000.00}. They say they will generally approve if you have a credit score of XXXX, my scores are XXXX. The XXXX bank say they will accept bankruptcy if is over 4 years old, mine is XXXX  years ( husband was on bankruptcy ). Debt to income should be over be under XXXX mine is under XXXX. I have paid a car lease and now buying care w/co-signer ' and have never been late on house payment nor the car lease or purchase. Synchrony Bank ( also Care Credit ) is the servicing bank for numerous lending institutions, when Care Credit denied me credit they automatically rolled it over to all participating lenders which guaranteed me a no. Basically, I have assets over {$250000.00}, I have no outstanding credit cards, ( other than the one XXXX XXXX didn't remove and is inactive ), XXXX  sent me a form letter that listed all their products, too many to count, that I was not entitled too. 

At XXXX XXXX XXXX there is no evidence that I will not live to repay my loan. If, unfortunately, can't pay for death or health reasons, I have a house in my name that can have a lein put on, My income is {$3300.00} a month. Other than normal living expenses my one and only obligation is the house {$780.00}. and car {$330.00}. The only thing I don't have control of is my age XXXX, I am healthy, active and have all my facilities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the XXXX Credit Reporting Agency, Equifax XXXX XXXX XXXX, and XXXX Credit Reporting Agency. 

They have failed to remove information that was affiliated with personal details that was challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Payday loan, title loan, or personal loan

Completely XXXX my credit score, I made every payment in full and on time, never had any late payments and I am only one payment away from paying this off in full and apparently theres no reason as to which dropped it just did so they are no help and they completely destroyed my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Was sent the following text from rategenius, I have never applied for credit or refinancing with rategenous. How did this company get my credit information and private number which is not listed. This is credit fraud! 

Hi from RateGenius! We got your auto refi application ( App # XXXX ). We will review and reach out with next steps soon. XXXX Reply STOP to unsubscribe
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called all   XXXX   credit bureaus (   XXXX  , Experian,  XXXX  ) a total of  XXXX  times,   XX/XX/XXXX    ,   XX/XX/XXXX    ,  XX/XX/XXXX    ,   XX/XX/XXXX    , XX/XX/XXXX , XX/XX/XXXX   ,   XX/XX/XXXX    ,   XX/XX/XXXX    ,   XX/XX/XXXX    ,   XX/XX/XXXX    . I called to inform them that my reports show  2  bankruptcy filings that do not belong to me that was supposedly filed on my behalf in  XXXX   XXXX , NC. I have disputed this a total of 5 times only for them to come back and inform me they investigated and it was verified, I requested they provide proof of the provider who verified this erroneously reporting and they have yet to tell me. I called the Courts here to confirm that I do not hold a bankruptcy and was told that there is no record of my name and address, also further they verified they have not spoken to anyone from the Bureaus to verify such a record exist. I noticed as of today XX/XX/XXXX yet another Bankruptcy has appeared on my credit report. I work in consumer finance and have been terminated from my employment as a result of these filings, I have requested from several supervisors to have this removed from all  XXXX  bureaus and they have done nothing at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I received my credit reports through my mortgage broker. All 3 credit bureaus were incorrectly reporting that I was 60 days late on a payment for an XXXX XXXX credit card in XXXX. I contacted XXXX XXXX who stated they had no record of me ever being delinquent. XXXX sent an update to all 3 credit bureaus, correcting this mistake. Two of the credit bureaus fixed this issue, however Equifax changed my credit report to state that I was 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX. This is clearly untrue as it also states on the report that the card was closed in XX/XX/XXXX. This also is not reflected with either of the other credit bureaus. I filed a dispute with Equifax in XX/XX/XXXX and waited the full 30 days. Twice I contacted them to receive documentation of the dispute, however both times the agent on the other line was unable to correctly take down my email address. To date, I still have not received any documentation from Equifax. Today, when I called again, I was told that the dispute was denied because Equifax is insisting that the report they received from XXXX XXXX states that I was 60 days late in XXXX. I called XXXX XXXX today and they confirmed that both when they sent the updated report in XX/XX/XXXX and as of today, the account has never been delinquent. Equifax filed a new dispute today, however I feel this is going to just be another lengthy amount of time that I will need to wait with no positive result for an issue that was clearly created by them.
Product: Debt collection

This Company is reporting fraudulent information on my account it has the wrong addresses social security numbers names Ive check on annual credit report and seem inaccurate information code USC 15 1681 supports my concerns that agencies should report accurate information I checked all credit bureaus that this company is reporting false information can you check into this matter please I also need the original creditor debt cant be sold to a third party under codes usc 15 1681
Product: Mortgage

It is regarding an insurance claim check for a water damage incident at my house, that my mortgage bank, PNC, is refusing to release. The damage occured in XX/XX/XXXX. I got contractors to restore my house. Based on the original repair estimate, I had received a check in XX/XX/XXXX, from my insurance adjuster to get the repair started. After multiple phone calls and explanations, that check was endorsed by PNC and I was able to pay the contractor after they completed the repair work in XX/XX/XXXX. As expected though, the original estimate did not cover the total cost of repair. There were additional costs / supplemental invoices that I paid to my repair contractor. My adjuster approved the supplemental invoices and sent me another check payable to myself and PNC Bank. I sent the checks to PNC bank for endorsement. They received the check on XXXX XX/XX/XXXX, but took no action on it for several days. Their websiteXXXX XXXX did not indicate anything was amiss. When I called them, they said they would need a letter from my adjuster on an insurance company letterhead, explaining what this check was for. I informed my adjuster, and he got in touch with PNC. He then signed and uploaded the requested insurance letter on a company letterhead on XXXX XXXX XXXX XXXX XXXX XXXX when i called PNC again, they said that that letter is not enough and that they need an updated adjuster 's worksheet. But the letter itself has the complete breakdown and all the details they need to release the funds. They falsely claimed that my adjuster told them that he was going to share an updated worksheet. The adjuster never told them anything like that. Still, he went ahead and uploaded all the invoices to reflect the total expenses he was reimbursing me for. Till now, PNC has not released the second check which amounts to more than XXXX XXXX 
I have already paid the contractor and am struggling to make ends meet without the XXXX which is legitimately my money that PNC is holding back.
Product: Checking or savings account

On XX/XX/2020 I went to the official First Citizens website and saw a simple offer of open a new checking account and use the debit card 10 times within 90 days and then I was expecting to receive {$300.00} deposit. This bank has not paid me a XXXX. This has been deception and false advertising. The bank has not made good on their public offer!
Product: Credit reporting or other personal consumer reports

My father has used my credit multiple with out my knowledge or concent these bout {$6800.00} I'm debt in collections there's XXXX collections in my report from XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have contacted Experian numerous times about the fraudulent items and addresses on my credit report. they responded that the fraudulent items were verified by the vendor. what vendor. these items in my credit report are fraudulent or some type of error that needs to be removed immediately I have contacted courts, XXXX XXXX XXXX and XXXX, who have all responded and confirmed that they any of the items are listed with them. SO WHAT VENDOR DID EXPERIAN USE TO VERIFIY INCCORRECT FRAUDULNET ITEMS?
Product: Credit card or prepaid card

Dear CFPB, Every week and sometimes two times a week I get a call from a company called Card Member Services using a Robo caller called XXXX. She advises me they now have lower credit card interest rates and can lower payments on all my credit cards. She tells you to push 1 to get someone who will assist you. I have pushed 1 and told them to quit calling me but to no avail. You also have the option push 2 and they will quit calling. I have and they still are calling going on 2 years now. Please get them to stop! The last number they used to call me was ( XXXX ) XXXX.
Product: Mortgage

Firstly, I was sold a pick-a-pay loan, which is illegal to sell to consumers in the state of Illinois. My loan was closed without a notary present. The notary 's signature was a copy, which is not accepted by the XXXX XXXX. It was not disclosed that my minimum mortgage payment could triple which it did. On top of this, the mortgage company took out an insurance policy with XXXX XXXX XXXX because they new we would default. A claim was processed by the mortgage company but denied by XXXX XXXX because of fraud. I left letters from the XXXX XXXX acquired through the department XXXX verifying this. According to XXXX XXXX, nothing has ever been recorded with them. When asked for copies of the origination papers ( requested several times ), there is always a different title company listed. The application was computer generated with a copy of my signature ( very obvious copy ). The application shows my title at Vice President and making {$8000.00} per month. They are stating that an equity line for {$35000.00} was taken 1 year later that I do n't recall. The only origination paperwork they have for this equity line is the exact same application used for the the mortgage, a year later. According to IRS transcripts, I was only making {$2500.00} per month. I was never a Vice President. My house is only XXXXbathroom. Sold comps in my area show that the value is about {$180000.00} but they keep insisting that it 's worth way more. They added forced-placed insurance on our file for several years, even though we 've sent them proof of insurance many, many times. They deny everything! Please refer to previous complaint # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Denial received on all even though I supplied proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX continues to report unauthorized credit inquiries on my my report even though i contacted the companies and got no respond. Equifax stated that they will not investigate inquiries. 

Name of Company Date of Inquiry XXXX XXXXXXXX XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX Show Details XX/XX/XXXX XXXX : :XXXX - XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : :XXXX XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet, I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX has violated my rights. 

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 consent.
Product: Money transfer, virtual currency, or money service

I sent money to someone who didnt not mean to and I tried to contact cashapp and the number didnt not work
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXX Balance : {$26000.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$760.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction with the second unsuccessful attempt to remove fraudulent items from my credit file. Despite my continued efforts to rectify this matter, the fraudulent entries persist on my credit report, causing significant distress and negatively impacting my financial standing. 

I have previously submitted identity theft affidavits, police reports, and supporting documentation in my initial attempt to correct these inaccuracies. Unfortunately, the necessary actions were not taken to ensure the timely and accurate removal of the fraudulent items. 

The continued presence of these inaccuracies is not only affecting my creditworthiness but is also causing significant challenges in securing credit, obtaining favorable interest rates, and managing my overall financial well-being. 

I urge you to conduct an immediate and thorough reinvestigation into this matter to expedite the removal of the fraudulent items from my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this second complaint and outlining the specific steps that will be taken to address and rectify the fraudulent items promptly. 
Failure to resolve this matter in a timely and satisfactory manner may compel me to escalate my complaint to regulatory authorities and seek legal recourse to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  : {$6400.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX
Product: Debt collection

I placed a Complain ( # XXXX ) it came back as resolved??? 
There are many questions. 
1st Question : Hunter Warfield is indicating that " Interest is accruing at the legal interest rate on the account ''? I can not find that information on the Lease anywhere. Also what is the Legal Interest Rate? How much is that? where does that come from?

2nd Question : Water was inside the walls. Sheetrock can be Dry but Mold can grow inside ( Smell is very distinctive ) XXXX XXXX promised that they will get a " Professional '' company to make a full report. I am still waiting for the official report. 
XXXX show moisture meter which shows up to 12 % + of moisture ( 16 % is high moisture in walls ) I am still looking for the report that XXXX promised when I spoke with them. ( I did contact them about mold ) I told Cascade if they get me a professional report ( From certified Company ) indicating that there are no Mold inside the walls and under the cabinets I will pay the charges. 
Also location of the Moisture reading done by? is not indicated anywhere. 
How about under the cabinets ( There was 2 '' of water sitting in the kitchen / Living room area ) CFPB automatically accepting explanations without actual proofs from Hunter Warfield Inc. is not acceptable and I like CFPB to reopen this file. 
Hunter Warfield could have cost me Thousands in higher interest and I would like them to remove this charge immediately.