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

I disputed inaccurate information with Equifax in regard to this account XXXX XXXX XXXX ( Account # xxxxx XXXX ). Equifax is still reporting my information as accurate. After checking my credit report the information is still obviously inaccurate! On my Equifax report the account displays an open date of XX/XX/XXXX yet stating Date of First Deliquency was XXXX XXXX. This is clearly inaccurate that Equifax allowed to remain on my report. The account is not 100 % accurate so it is deemed INACCURATE and should be deleted immediately. Ive attached my Equifax credit report from XXXX XX/XX/XXXX. Please delete this account effective immediately. This is my right per the Fair Credit Reporting Act to request this ( FCRA ). ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disrupted by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Im asking that you delete this obvious inaccurate account off my credit report and send me an updated copy of this report in 15 days, Account Name : XXXX XXXX XXXX, Account Number : XXXX XXXX, Balance {$820.00}, Request : Delete account immediately.
Product: Debt collection

This Company Sunrise Credit Services Inc, put that I owe {$170.00} on my credit-these are the dates this Company put this on my credit. XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX how many times are this going to put this information on my credit which is in-correct- I called them and told them this bill of {$170.00} was paid about 5 months ago it's XXXX   wireless bill I have good credit with them, I'm also going to report them as well to the XXXX for putting in correct information on my credit. I expect them to take this off my credit or I will get a lawyer to handle this.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights. 
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 I looked at my EXPERIAN credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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: Debt collection

Debt collection agency or servicer keeps on calling about a debt owed to them since XXXX, I have requested them to provide proof ie invoice for the product or service provided in my name by their customer or original creditor.none provided. They are also checking my credit report on purpose every year inappropriately and without any proper authorization.
Product: Student loan

Through XXXX ( Now Navient ), I was not thoroughly and frequently informed about upcoming deadlines when it came to re-determining my Income-Driven Repayment ( RDI ) applications between the XX/XX/XXXX-XX/XX/XXXX. This lack of information caused me to make several calls to ensure that my interest rates would not skyrocket, which I believe have a bit since graduating XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I came into the dealership on XX/XX/2019 with the intention to buy a XXXX XXXX that day, and had a pre-approval from XXXX XXXX. 

I was introduced to the sales rep XXXX XXXX and I immediately explained to him what I wanted, that I had also been pre-approved by XXXX for a 3.99 % rate, and that I did not want to put one penny down. He said sure, they could roll everything in, and showed me a car that met my needs and had me fill out a credit application on their computer. I again, let XXXX know I had a pre-approval from XXXX-XXXX He assured me this was the process. 

Needless to say I met with the finance guy next and he tried to get me to sign documents that said i was paying an 8 % interest rate and it was from another bank. I let him know of this error and he acted surprised then finally came back with 3.9 % rate from XXXX XXXX. 

After coming home with the car I have found my credit was pulled by over 5 banks ( XXXX XXXX , Bank of America, XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX  ) without my permission. 

These hard inquiries cost me a credit line already and have lowered my credit score. I am also very upset they have shared my credit history and personal information with other banks without my permission. I have tried in good faith to work with the dealership to have them removed but they are combative and show zero empathy for my situation. I have attached one of the emails I have sent, the credit application explanation I saw when authorizing the credit pull, and my pre-approval letter which I had showed the sales rep.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible in accordance with the Fair Credit Reporting Act and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

After Mr Cooper acquired my mortgage starting XX/XX/2021, it failed to make property tax payment to XXXX county tax department for the bill that was due on XX/XX/2021. Before XX/XX/2021, I have sent several message via web to make sure the payment goes out on time. After several attempts, Mr Cooper took the money out from my escrow account on XX/XX/2021 and said they disbursed the payment to tax department via wire transfer. I have reached out to Mr Cooper several times via phone calls and messages, they kept on saying their tax department is working on it and never specified what they are working on. I requested that the money taken out from my escrow account be refunded back to me many times since the payment never reached to XXXX county tax dept. After a month, on XX/XX/2021, I got a notice from Dept of Finance saying i have UNPAID TAXES AND CHARGES. I made the payment directly to Dept of finance out of my own pocket and requested Mr cooper to refund the money plus interest I paid to dept of finance for lateness. 

Due to these issues, I requested mr cooper to close my escrow account in XXXX so that I can start making payments myself. So far, Mr Cooper is not refunding me the tax payment taken out from my account {$1200.00} and about {$5.00} in interest charges.
Product: Money transfer, virtual currency, or money service

I made a money transfer for a vacation home rental in XXXX, NC. This ended up being a scam. I transferred money from my bank to the scammer 's bank in XXXX  and used Western Union. The scammer was not able to collect the money he thought he would get because I closed the account as soon as I found out by the actual home owner that I was scammed and they had never heard of me. Western Union charged me {$140.00} for the transaction onXX/XX/XXXX. I called Western Union and they say they have no record of me, even though when I did the transaction they gave me a receipt with the MTCN tracking number XXXX XXXX XXXX, a case number XXXX and a customer number XXXX XXXX XXXX. I would like the fee returned.

The scammer information I have is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Bank is XXXX and I have a bank code XXXX  and mobile number of XXXX  which must be bogus also. I just get a busy signal when I try to call.

So Western Union has somehow also scammed me. I have my bank statement showing a charge from Western Union the day (XX/XX/XXXX ) did the transaction through them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX has violated my rights 15 U.S.C 1681 section 602 A : Which states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

The first correspondence by mail I received from Kohl 's was an account delinquency notification. I promptly went to my local Kohl 's where a store manager helped me contact corporate. Together, we determined that there was a keystroke error on the cashier 's part when the account was initially opened. As a result of that error, I was not receiving monthly bills. At the conclusion of the phone conversation, I paid my balance and the account was closed. I expressed my concern about this confusion showing up on my credit report and was assured that it would not. Fast forward three years when in an effort to take advantage of lower interest rates, I apply for a loan to refinance my mortgage. My credit report states that I have a Derogatory Account : Kohl's/Capital One. I did not know that Kohl 's had not withdrawn their claim at the conclusion of the investigation. I want this removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 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 sent my information to XXXX XXXX and TransUnion twice because two accounts have not been reporting. XXXX Credit Card and XXXX XXXX should be reporting to all three credit bureaus. The first time I contacted all three bureaus was XX/XX/2020 and the Second time was XX/XX/2020. I have contacted all bureaus by phone and mail to resolve this reporting issue and nothing has changed. I have not gotten any feedback from any of the bureaus regarding this matter. I sent in my ID and utility bill to verify my identity now I am escalating this matter the best way I know how.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

in accordance with the Fair Credit Reporting act JPMCB CARD ACCOUNT # XXXX, / JPMCB CARD 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: Checking or savings account

On XX/XX/2023 I applied for a checking account online with U.S. Bank. I received an email that it was currently under review. The following day I called and spoke to an agent on the phone to follow up and I was told that I would have to send required documents to verify my identity. On XX/XX/2023, I submitted scanned copies of my documents to XXXX. On XX/XX/2023 @ XXXX XXXX Eastern Time, I received an email from them stating that my checking account was APPROVED and should wait for a follow up email within 2-3 business days. Days go by and no email received. 

I followed up and called them on Monday, XX/XX/2023 regarding my approved checking account. The agent from the deposit review department told me that my checking account was turned down. I told her that it was approved. I just received an email on XX/XX/2023. She then transferred the call to her supervisor. 

The supervisor then told me that the checking account was approved by their first system and then was declined by the second system due to a system error. I told her if they can do anything about it since it is a system error and can be override by a human being. She replied " NO, THIS CAN NOT BE DONE ''. I also told her to review my application manually by a person in their back office and she said again that this can't be done. It's not about your personal info, it's about the system error, she added. 

This is the most ridiculous thing I have ever experienced in my life. They declined my checking account application due to a system error? and no one can override or at least give a review to reconsider? THIS IS UNFAIR BANK PRACTICE TO CUSTOMERS!!!!! 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hear by putting your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that Your organization assumes a vital role as a result my livelihood has been adversely affected. There is no such law that XXXX anything that needs to be reported to a consumer report agency therefore your organization is liable Your organization neither exercises its responsibilities with fairness and then partially nor protected my right to privacy. I request you to give me a piece of evidence that the information which is being reported has been properly investigated. It also provides the details of the system adopted by your organization to determine whether the transaction took place or not. If this matter is not corrected promptly I will pursue legal action in court according to Texas XXXX XXXX.
Product: Mortgage

Wells Fargo Home Mortgage has re-evaluated my mortgage and escrow account twice within six months without notifying me. I received no phone or email correspondence until they attempted to collect a debt. When I was notified by phone I paid the remainder of the escrow balance but my payment still changed without notification. Wells Fargo recently ( on or around XXXX XX/XX/2024 ) notified me that my mortgage wasn't paid due to a shortage of approximately {$21.00} on the account. I asked how that was possible since the automatic payment was already sent ( see attached bank statement with payment on XXXX XX/XX/2024 for XXXX XX/XX/2024 ), and I was informed that my mortgage had been re-evaluated for a second time in about 6 months. When I attempted to pay the balance of {$21.00} on their website they refused to accept any less than another full payment. As of the filing of this complaint their website also reflects {$0.00} of the automatic payment for this month. This practice is deliberate and predatory. I would like my account restored to good standing, and any attempt to report XXXX 's mortgage payment to any credit agency be blocked.
Product: Credit reporting or other personal consumer reports

Accounts are closed, but there still shows a negative balance.
Product: Debt collection

USCB America put a collection on my credit for {$320.00} without contacting me. Never received anything in the mail or a phone call. It just showed up on my credit report without notice. Obviously i would not destroy my credit over {$320.00} and ruin my perfect payment history. This company is shady and dishonest. I tried to dispute the claim based on these facts and they still will not remove it from my credit report.
Product: Mortgage

re : my loan XXXX I was denied a modification ; however I explained that the income they used was incorrect and I sent proof of correct income. Wells fargo said it did not change the decision even though the income was over {$2000.00} more than they used to calculate NPV. I was never given updated information or numbers on why appeal was denied. I have left 3 messages and made over 6 phone calls all of which they have not replied to. I feel I should be reevaluated for a modification using correct information.
Product: Debt collection

Please be advised that after numerous phone calls to Nissan Motor Acceptance Company and Infiniti Financial Services requesting that they cease phone call to my place of employment, they continue to call. 

Due to COVID 19 workplace restrictions, I am not at liberty to provide you with the specific dates and times that I have contacted Nissan Finance and Infiniti Financial Services as my call log notes are in my office and I am not able to enter the building until the Governor for the State of California lifts the stay, however I made my initial request early in XXXX and have called 3 or 4 times since only to be told by customer services reps that they " don't see my work number in their system ''. 

I have multiple voicemails records on my office line that I can provide to you for proof ( via screenshot, if necessary ), but the most recent calls/voicemails were made to my office on XX/XX/XXXX and XX/XX/XXXX.
Product: Student loan

XXXX on my credit report it's stating I went to a XXXX XXXX. I never went to a XXXX XXXX XXXX  The nelnet XXXX.
Product: Debt collection

because of this injury i have had hardship throughout life because of damages credit i have been restricted from privileges in society. also the act committed by the collection agency is not lawful. 
the agency keep updating the date for years to make the debt seem recent when its not. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

my domicile is XXXX NH XXXX clearly the agency is out of my jurisdiction.
Product: Credit reporting or other personal consumer reports

Alley Financing has not reported account Paid off,
Product: Debt collection

Fairway collections refuses to supply me with an opt out disclosure letter.they are refusing to allow me to opt off of sharing personal information. When I asked them to furnish letter I was yelled at by three different people telling me that they do not have to furnish the opt out disclosure and told me to XXXX information because I was not familiar with the law
Product: Credit card or prepaid card

This discover card company started sending me letters that I owe money since I have live in california for a good few years now, I have been filing a dispute and all i get is lawsuits and big paper of 200 +pages of things I spent in the good states of Massachusetts I have filed identity theft because I have been a victim and they are not budging everytime I even open a bank account way back when and my roth IRA and along my savings close because one was apparently in the negative and the most recent savings I have including my roth ira was close due to someone in Georgia accessing my account I have have this happened, I have no idea how this is happening but is is happening and this morning someone access my information in XXXX XXXX I fell for a student loans scam and gave out my information and it was then it all started back i XXXX with all this discover shenanigans. In XXXX I was in high school with no income, I graduated and started college and I'm still in college I kept receiving letters from them and since they never wanted to delete anything from my account and keep destroying my credit report since XXXX, I agree to made some payments while i investigated myself I filed a dispute and all the time it was either a lawsuit or a big fat packet with information I have no recollection of I work 16 hours a week for {$17.00} friday and saturday and sunday the next and sometimes i miss work cause i get sick I manage to pay rent cause of California rent relief for covid and eat at work and applying for stamps and don't make enough my rent is {$1400.00} plus utilities its XXXX i pay rent late cause i don't make enough and applied for countless job and none seems to be hiring I called XX/XX/XXXX to ask for payment plans cause at this point I'm being forced to pay an account that i did not open I was met with some help and the account manager said I was not interested in your financial hardship they told me they would have a financial agreement on XX/XX/XXXX open my mail box just to find a lawsuit along with my financial agreement I'm stressed so much I started XXXX  with XXXX cause its been an ongoing thing I'm now supposed to pay {$150.00} every month out of 16 hours a week with {$17.00} oh by the way XXXX  is from my school free its enough I have to pay for something that is not mine cause someone opens it with my information its okay living on the streets is better so pay money so you don't have now while talking to them on XX/XX/XXXX they've told me I have made payments with a XXXX  account mind you I have never own a XXXX bank cause I discovere who destroyed my credit report call XXXX and ask them i have never own an actual bank cause of them i have always been denied I contact their debt collector on XX/XX/XXXX and I now received a payment agreement on the XXXX 9 days before my supposed due dates attached is a lawsuit that was filed on XX/XX/XXXX which the letter said i had 20 days from the day it was filed to answered oh its XX/XX/XXXX, their debt collector never said anything about it so now i have to pay {$1000.00} lawyer plus the {$3000.00} from discover
Product: Payday loan, title loan, or personal loan

I was severely affected by hurricane harvey. My business suffered and I was behind on some bills. I sent a partial payment and was late on the remainder. I was told by XXXX XXXX that I had 10 days to pay before the account was delinquent. I agreed to pay before the ten days. Two days after I was told this, with 8 days before delinquency, my co-worker received three phone calls in a day from XXXX XXXX at Lending point asking for me.