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

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$39000.00} or XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$39000.00}.
Product: Checking or savings account

My identity has been stolen. An account was opened up with Cash App in XX/XX/2019. I have been attempting to contact this bank every since. In order to contact them, you must sign into your account. As I do not have the information for the account, I can not sign in and contact them. 

I have been attempting to contact their fraud department for over a year now with no success.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report and noticed it had fraudulent accounts, please investigate them and remove them. 

Account Name : XX/XX/XXXX XXXX. 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, 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 these accounts though your company claims to have verified these. 

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 TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, 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 creditor/CA 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. 

DEPT OF EDUCATIONXXXX 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

Made lump sum payment on loan with Marcus Goldman Sachs of XXXX on XX/XX/22. Received a bill for remaining interest amout that was due XX/XX/22 for XXXX. Made payment on XX/XX/22. Was reported 30 days past due on credit report. Disputed with XXXX payment status, was removed. 30 day marker reappeared after creditor sent same info, did dispute with XXXX a second time, creditor falsely reporting account now was 60 days past due, yet account was already closed XX/XX/22, today is XX/XX/22. Submitted a 3rd dispute with XXXX because creditor will not update correctly and would like assistance with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for three months to get an erroneously reported incorrect payment removed from my credit reports to no avail. On XX/XX/XXXX, I submitted a complaint to the CFBP describing a payment incorrectly reported as late in XX/XX/XXXX by XXXX XXXX XXXX XXXX The company responded by letting me know that they had mailed letters to XXXX, Experian, and XXXX advising that the late payment was indeed reported in error. However, my most recent credit reports continue to show the erroneous late payment in XX/XX/XXXX, dispute raising disputes with each of the credit bureaus. Screenshots attached.
Product: Mortgage

I utilized your agency to file a complaint against Fifth Third Bank. ( case # XXXX ). This problem my dealings with a home loan through this bank. I finally resolved the issue by going to another bank ( XXXX Bank ). to take over the original loan. I am a veteran so recently I have been exploring the possibility of utilizing my XXXX ). I started this process thru XXXX XXXX. According to the XXXX XXXX representative, XXXX XXXX, ( ph # ( XXXX ) XXXX ) with whom I am making this loan application, stated that until recent date the credit report from Fifth Third bank did not contain any negative information about my credit history.. All of sudden XXXX XXXX is sent this fictionalized account of my relationship with Fifth Third Bank! According to XXXX XXXX, this document was sent in an underhanded manner in order to sabotage my XXXX application with XXXX XXXX. This unethical bank ( Fifth third ) is attempting to deny my rights as a veteran to obtain a home loan in retribution to my contacting your agency!
Product: Checking or savings account

XXXX  not having contributed to that of a XXXX XXXX XXXX XXXX XXXX  ) to establish Savings pertaining to that of a Health Emergency, Day-to-Day life necessities regarding Healthcare ; which is not something of which many persons undertake to consideration of simply having Health Insurance Coverage to drive down Co-Pays ; from 2019 onwards life would have been targeted to some regard of Commercial and Non-Commercial interesting to a wide variety of Society, Law Enforcement, XXXX XXXX and XXXX  actioning to causate Health issues and Healthcare problems to a sense of profit drivering relevant to the procedural Healthcare industry. For instance, XXXX XXXX to the intentional, directed, and otherwise causation of XXXX XXXX  XXXX  ; to a sense of coercioning pursuit, attendance, or necessitation to therein XXXX XXXX. Simply to otherwise exampling ; the introduction of pinworms or otherwise infectional agenting to food through manufacturers, relevanted to XXXX  into XXXX and otherwise XXXX proceduring for XXXX  XXXX  as a profit driver for XXXX professionals and the XXXX industry. 

Where to examination of if having self-funded a Health Savings Account ( HSA ), XXXX parties and parties potentially relational to the Healthcare Industry would have been assessing, XXXX, bankrupting, and taxationalising self to such savings to some reason by the intentional or otherwise willful manufacturing to conditions causational to Health issuing, therein to a sense selling or XXXX  patients into non-otherwise occurrant or necessitated regard of treatment with a basis of XXXX profit-drivering relevant to industry and healthcare centers. Therein similarly to someone depositing and saving money to that of a XXXX XXXX Account, where they therein have and alloted savings that isn't being " spent '', due to such being " saved '' for future basis of illness or injury ; to essentially therein propensity occuring to that of the stated persons being intentionally targeted to decrepit to some sense of Health, or to otherwise assess illness, injury, and need for procedures to some basis of the persons acrued or deposited savings ; that even if in XXXX or passing would be otherwise handled to family, estate, or inheritance planning. XXXX does such causationalise a sense of problemscaping where persons who have such savings for emergencies would therein be bankrupted through targeted interactionalising against that of their Health ; therein detrimenting future regard to emergency savings relevanted to that of necessitated emergency care to therein preserve basis of life. 

Of which was prior reported through otherwise Government channels, if not reported to the Consumer Financial Protection Bureau. Of which orients to therein a sense of fraud targeted against persons and consumers, rather than that of perhaps insurance providers.
Product: Credit reporting or other personal consumer reports

XXXX ) XXXX XXXX XXXX Mortgage Consultant XXXXXXXX XXXX XXXXXXXX and Underwriter XXXX notified former creditors when they noticed on my background check that I lived in a large apartment complex for a short period of time. They knew that I likely broke the lease because of noise complaints I made to the apartment management team that went unresolved, so I legally broke the lease. XXXX XXXX without my consent notified the large management company : RENTRECOVERYSOLUTIONS Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ID XXXX collected Appraisal Fee up-front before I was approved and before Loan Estimate. XXXX also made mathematical errors that cause the Cost to Close increase by {$2600.00} the day before closing, causing the loan to be canceled at last second, sellers had already moved out, want to file lawsuits because of XXXXXXXX XXXX gross negligence.
Product: Debt collection

In XXXX I filed a complaint/inquiry with the Pennsylvania Public Utility Commision as I received a substantial high electric bill. 

The matter was not properly investigated and resulted in no findings against XXXX XXXX XXXX. 

After several other consumers also raised similar complaints, it was determined XXXX XXXX XXXX incorrectly billed several customers including myself. 

On XX/XX/XXXX. XXXX it was investigated by the Pennsylvania Public Utility commission XXXX did overbill customers and an agreement were met to correct the billing error.
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 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 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. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please DELETE ASAP.
Product: Credit card

I paid off my card and they closed my account. i also paid off my upstart loan and they sent it to collections which I paid off, in accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 16 o 2 states i have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2016 I and my wife loaned {$3000.00} from XXXX XXXX {$1500.00} each to buy a piece of furniture and immediately we started paying the loan using my account and making payments of {$500.00} every month. In a years time, we payed off the loan amount including interest totaling an amount of {$6000.00} and some change. Since XXXX never sent us any statements of payments and balance during the period of the loan, I had to change my bank account at some point when I realized that they kept withdrawing money from my account with an explaining as to what we are still paying for. 

I am now surprised to see that XXXX XXXX sent my information and that of my wife to collection starting that I still owe them {$2500.00} while my owes them {$2100.00} meanwhile we had payed them more than {$6000.00} meanwhile the money we borrowed from them was just {$3000.00} .This is very ridiculous and I am demanding a thorough investigation and complete removal of this item from my credit report.
Product: Student loan

Beginning in XX/XX/XXXX I submitted my IDR form to switch from the REPAYE plan to IBR I have received multiple emails about rejection from the plan due to missing information. After calling one customer service representative and several hours later they find the missing information that they had " lost '', then they " record '' our new conversation for the people who review the forms. A week goes by and I get another rejection notice. Same problem as before, missing information, the same missing information, several hours later they find it and write a " note ''. The process repeats for several weeks. Nobody seems to be able to find old notes. I started finally asking for managers. Now the managers began reassuring me of completion of the form by certain dates. However, they are " sorry '' but it is too late within the current month ( i.e. XX/XX/XXXX ) and that the bill had already been " printed '' and therefore I would still have to pay the full amount on the old repayment plan, but in XX/XX/XXXX everything would be taken care of. Not so, I got another notice of rejection, same old story. Again the bill had been " printed '' for XX/XX/XXXX, and I would have to pay the amount in full but the issue would be fixed by XX/XX/XXXX. I finally got one of the managers numbers so that I could hold someone accountable, but they do not return my calls, and when I inevitably speak to another manager, there is no record of my prior conversations. I feel unable to do anything because they always lose my information. It is starting to feel like it is on purpose just so they can keep charging me the current amount. I need help because I can not resolve this issue because it is just an endless cycle of incompetence.
Product: Credit card or prepaid card

I have two credit cards with this Capital One. They have refused to update my credit balances with XXXX  XXXX and XXXX. One card hasnt been updated in over a year. I am trying to close on my home and will lose my earnest money I paid down if this is not corrected. Im trying to avoid resorting to a consumer attorney to handle the issue. I have callled then numerous of times with no avail. They never fix it. Both of my cards are showing maxed out to the limit and this is a serious issue when it comes to me closing on my home. I need serious and immediate help. 


The account numbers are Capital one platinum XXXX XXXX XXXX XXXX Capital one quicksilver XXXX XXXX XXXX XXXX As you can see one card was last updated XX/XX/2017 in the attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquires below are not recognized. I have tried to resolve this matter several times. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

{$2000.00} Open balance LVNV FUNDING LLC Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name LVNV FUNDING LLC THIS COMPANY IS NOT THE ORIGINAL CREDITOR AND PLACED A JUDGMENT FOR COLLECTION ON SOCIAL SECURITY INCOME. FURTHER MORE THIS WAS TO BE REMOVED IN XX/XX/XXXX AS MN STATE LAW REQUIRES FOR CREDIT CARD COLLECTIONS. FURTHERMORE THEY ARE COLLECTING INTEREST THROUGH XXXX COUNTY JUDGEMENT ON XXXX XXXX XXXXXXXX ACCOUNT FROM XXXX. OVER XXXX IN COLLECTION COSTS KNOWING FULLY THE INCOME. THEY ARE NOT THE ORIGINAL COLLECTOR NOR ARE THEY REPORTING CORRECTLY.
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea why. I routinely check my report, but this time, I was shocked to see unexpected discrepancies. I even refreshed my browser, hoping it was a temporary glitch, but the inquiry remained. This is extremely frustrating, and I need this issue resolved immediately. Please review the documents Ive provided so I never have to deal with this problem again.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/16 I logged on to my bank account to find that they debited a total of {$330.00} which I have paid out between the XXXX and XXXX of every month. I reached out to ask why they did this since it caused my account to be overdrawn and this is the response I receive is below. I then revoked the automatic ach debit in writing in an email and no response received from them to acknowledge. I took the loan amount of {$700.00}. I have paid back {$2300.00} to date. More than what was borrowed. They are claiming to be a tribal lending entity but I highly doubt that to be the case. 

Hi XXXX, I'm XXXX from Explore Credit. I see that the original amount of {$330.00} had split Into two payments and deducted from your account. If you have any questions, please reach us at XXXX. 




Thanks, EXPLORE CREDIT SUPPORT Client Support Team Office # : XXXX
Product: Credit card

The date was XX/XX/2024 I was trying to do a balance transfer at Bank of America online. My loan number came up but XXXX XXXX  came up. So each time I put the correct loan number in the name XXXX XXXX  came up. So I thought this was just another title they were using. So I called Bank of America XXXX explained what occurred XXXX to check XXXX see if it went to XXXX XXXX. They said it went to a XXXX XXXX XXXX XXXX XXXX XXXX they told me me it was still pending to call back. So I did then they told me it was released to call back. So I kept calling they kept telling me to call. So finally they told me it was nothing they can do XXXX to call XXXX XXXX  where the money went. So I did. XXXX told me me to contact BOA where the problem occurred this is the proper procedure when their customer have a problem. BOA told me to wait maybe the money would be returned. Nothing XXXX BOA said there is nothing they can do. I dont understand why they could not just cancel the transaction. I have never had a Bank that would not help their customer. Please help.
Product: Credit card

Amazon credit card company was transferring companies, and I was unable to reach them for months when I actually had the money to pay off my balance. When they were acquired by a new company, I refused to pay since I had been unable to reach them. My debt was transferred to 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 XXXX XXXX XXXX ... PRO COLLECT ( Original Creditor : XXXX XXXX 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: Credit reporting or other personal consumer reports

I have experienced a financial hardship previously ; however, the account is reporting as a chargeoff. I didnt receive a 1099 form. Could you please send me a copy of my 1099 for tax purposes?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX has violated my rights. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

15 U.S.C 1681 Section 602 A states the right to privacy.

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.
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted.