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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Bankruptcy Case Number : XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

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 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 XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023, I went to a Citibank branch in XXXX to submit a wire transfer to a business associate. Because the wire transfer was for a large amount, {$48000.00}, I decided to visit this local branch to complete the transfer to avoid any delays or restrictions. The banker who assisted me processed the transaction and gave me documents that confirmed that the funds were transferred to the recipient. They waived the wire transfer fee for me as well. XXXX minutes after I completed the transaction, I was unable to access my account so I went back to the branch where I completed the transfer and they informed me that my account has been closed without providing me with any reason. They also reversed the wire transfer so my business associate never received the funds. They informed me that they will mail a closure letter to my home. I reached out to customer service after to find out when my funds would be returned to me that was available in my account before the closure and they informed me that they will not be issuing me a check. The informed me that my remaining balance was returned to the previous company that paid me and that I would have to retrieve my funds from them which wont be available for at least 60 days from the time when they initially closed my account for no reason.
Product: Debt collection

XX/XX/2024 TSI started sending me multiple letters in the mail every month with different amounts on each one. I had told them that I paid off my doctor visit bills. I asked them to dispute to let me know where they were getting the reference numbers on my account as I looked it up on the my patient portal and saw reference numbers that did not match. Last month, XXXX they sent me a letter stating the account was closed. This month, XXXX they sent me another bill stating I owed {$400.00} something with reference accounts # s that again werent on my patient portal. They made another reference number for their company. I let them know again that I already paid off what was on my patient portal and to leave me alone. Please help me and let me know what I should do. I feel like Im being harassed with getting all these letters every month after I have disputed every single time.
Product: Mortgage

We have an old second mortgage with bank of america that was DISCHARGED in a chapter XXXX bankruptcy. We have opportunity to refinance as we have a high rate ( 8.1 % ) mortgage but bank of america WANTS US TO MAKE PAYMENTS ON A MORTGAGE THAT WAS DISCHARGED IN BANKRUPTCY. We owe much much more on the home than value even the first mortgage ( owe {$190000.00} first mortgage house worth {$160000.00} ) so we do n't understand bofa and why they want to have us make payments. The first mortgage is helping but bofa is very uncooperative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. And as a result, false and inaccurate information was posted on my credit report.
Product: Mortgage

XXXX XXXX Mortgage XXXX XXXX, was my mortgage company. They sold my mortgage to another company. The company was the servicer of the mortgage for almost 4 years. XXXX XXXX had the mortgage. The transfer of the mortgage was never recorded in XXXX XXXX records. Then, in XXXX Aurora loan services recorded an assignment of mortgage from XXXX XXXX Mortgage XXXX, XXXX to XXXX. The assignment was supposedly executed in XXXX and the XXXX companies involved did not have the mortgage. The documents were never recorded in XXXX XXXX records until another mortgage company by the name of Aurora loan services bought the mortgage. Since it is supposed to be recorded in XXXX XXXX records within a certain amount of time in relation to the closing date, I feel these companies have acted fraudulently. The assignment of mortgage was allegedly signed on XXXX/XXXX/XXXX by XXXX XXXX Mortgage XXXX, XXXX XXXX XXXX XXXX Mortgage XXXX, XXXX. The assignment was not recorded in XXXX XXXX records of XXXX until XXXX/XXXX/XXXX. Where did this document sit for all that time? This document supposedly sat in limbo and then mysteriously appeared in XXXX, when Aurora loan services bought the loan. I feel there has been fraudulent activity and do not feel that the assignment of mortgage that was recorded is valid or legal. I would also like to add that XXXX XXXX Mortgage XXXX, XXXX and XXXX XXXX XXXX, XXXX are XXXX separate entities. So XXXX XXXX XXXX, XXXX would not have had the legal authority to assign my mortgage to XXXX and why would the recorded document be returned to Aurora Loan Services and not XXXX?
Product: Credit reporting or other personal consumer reports

Equifax and XXXX have placed a promotional block on my account without my consent, then declined to unfreeze my account when I did not request a freeze be placed on my credit report. Ive been contacting both of them for days now and have spent countless hours on the phone with their customer service representatives with no solution to this problem. They both say I do not have a freeze on my account but the bank is receiving a freeze message when they request my credit reports. The bank is trying to process my home loan application but can not continue until these bureaus pull the freezes off my account. I will lose out on the offer I have placed on a house if these freezes are not lifted in order for my loan application to be processed. This isnt the first time this situation has occurred and the last time, it was a computer glitch that caused the issue with Equifax. I need the freeze on my credit report lifted through Equifax and XXXX as I have requested immediately.
Product: Mortgage

My client has submitted a request for pre-foreclosure sale with a servicer and has been treated unfairly, and my prior request for the CFPB to intervene has been disregarded by the servicer. The file was assigned to a representative and she has not been following up on the status of the file and I was informed that the property will be foreclosed upon next Wednesday because our offer was low. I requested a valuation review and was told that it is too late and that the servicer is foreclosing. The negotiator 's supervisor will not return calls and they are acting in bad faith. The servicer has mis-represented the case form the beginning and said it is too bad that Virginia laws allow for the foreclosure to happen so quickly. The negotiator refused to give me the name of the person assigned to review the CFPB complaint and said we are going into foreclosure and there is nothing I can do to stop it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 
Amount : {$100.00} Date : XX/XX/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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
Amount : {$490.00} Date : XX/XX/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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX Re : Disputing errors on credit report Dear CFPB, I am writing to request a correction of the following information that appears on my XXXX, XXXX, TransUnion consumer report. Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I request that you investigate the following items : ACCOUNTS : Dispute 1 : XXXX XXXX  opened on XX/XX/XXXX Dispute 2 : XXXX XXXX opened on XX/XX/XXXX Dispute 3 : XXXX XXXX opened on XX/XX/XXXX Dispute 4 : XXXX XXXX opened on XX/XX/XXXX Dispute 5 : XXXX  XXXX opened on XX/XX/XXXX Dispute 6 : XXXX opened on XX/XX/XXXX Dispute 7 : XXXX/XXXX  opened on XX/XX/XXXX Dispute 8 : XXXX XXXX XXXX XXXX XX/XX/XXXX Dispute 9 : XXXXXXXX XXXX opened on XX/XX/XXXX Dispute 10 : XXXX XXXX XXXX opened on XX/XX/XXXX Dispute 11 : XXXX XXXX XXXX opened on XX/XX/XXXX INQUIRIES : Dispute 12 : XXXX XXXX made on XX/XX/XXXX Dispute 13 : XXXX XXXX made on XX/XX/XXXX Dispute 14 : XXXX  XXXX made on XX/XX/XXXX and XX/XX/XXXX Dispute 15 : XXXX XXXX made on XX/XX/XXXX and XX/XX/XXXX Dispute 16 : XXXXXXXX XXXX  made on XX/XX/XXXX Dispute 17 : XXXX XXXX  made on XX/XX/XXXX I contacted those credit agencies directly and asked them to remove their credit account and/or inquiry from my credit report. I request that you investigate the following items on my credit report to determine who authorized the item. If you find my allegation to be true once your investigation is complete, please remove these items and send me an updated copy of my credit report at the address listed above. 
If you find the account and/or inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 

Thank you for your assistance in this matter, XXXX XXXX
Product: Vehicle loan or lease

I recently purchased a vehicle from XXXX XXXX XXXX in Nevada. During the transaction, XXXX XXXX assured me that the vehicle 's title was free and clear of any liens or loans associated with it. However, upon registering the vehicle in XXXX Arizona, I discovered that it still bears a lien stamp from America First Federal Credit Union on the back of the title. 

I contacted America First Credit Union regarding the matter, and they affirmed that there are no outstanding liens or loans associated with the vehicle. As such, I formally requestd a lien release for the vehicle in question. 

I do not have an account with thier bank, so they would not help me. I explained that I have the right to request a lien release when there are no outstanding obligations associated with the vehicle and kindly requested their assistance in resolving this discrepancy promptly. 

I have all copies of all relevant documents, including the vehicle title, a notarized signed bill of sale, and a cashiers check stub with XXXX XXXX name on it for payment of the vehicle as well as the AZ XXXX receipt. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX VIN : XXXX YEAR : XXXX  MAKE : XXXX MODEL XXXX XXXX X TITLE NUMBER : XXXX
Product: Money transfer, virtual currency, or money service

On Monday, XX/XX/year>, I notified my bank, XXXX XXXX XXXX XXXX, of an unauthorized Zelle transaction in the amount of {$1500.00} USD that occurred on XX/XX/year>. I did not make or authorize the transaction, I did not know the recipient and I did not benefit from the transaction in any way. To date, Zelle has refused to return the {$1500.00} of unauthorized funds, even though I am protected under Regulation E.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the Experian and XXXX credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$21000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$150.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$110.00}, XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$2200.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX  XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3800.00}, and XXXX  XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$160.00}.
Product: Credit reporting or other personal consumer reports

They cancelled my appointment without saying nothing. I called and they did not help me at all. I lose my time and I have to wait AGAIN. To do this, it is pathetic.
Product: Credit card or prepaid card

On XX/XX/XXXX I changed the bank account that my XXXX XXXX XXXX XXXX used for automatic payments. I never ended the automatic payments ;  I only changed which account they are paid out of. The company is claiming that there is a one month delay in automatic payments whenever a change is made, which is disclosed in tiny print when you update your account. I did not see this note. My payment was due on XX/XX/XXXX, because of the one month delay from the change of account a payment did not occur. I saw this on XX/XX/XXXX and  immediately made a manual payment for the full statement amount. They have now assessed me a {$25.00} late fee and {$48.00} in interest. All of this occurring while I have been continually enrolled in automatic payments. I contacted the company and they are unwilling to do anything about sending me multiple form responses. Their system is clearly set up to make changes to automatic payments confusing and hope that they can then collect a late fee. I find this to be dishonest and unacceptable. I just made the same account change with another card company and there was no one month delay.
Product: Debt collection

Three years ago i answered a complaint from XXXX & XXXX re : an alleged debt under my name. I answered and informed them that I was a victim of identity theft and requested documents which they could/would not provide under DISCOVERY including a 1099XXXX the case was assigned to a SUPREME COURT OF XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX. back and forth then all of a sudden the case went quiet for almost three years. now I receive a letter application to convert pending action to E-filing. I have a police report of identity theft, another case was recently dismissed with prejudice because of this. XXXX XXXX XXXX has not and will not fulfill the elements of this process
Product: Debt collection

I receive XXXX to XXXX calls per day from this company in a day - they are a collection agency - NCO Group - I have asked repeatedly to put everything in writing - and still have yet to receive any documentation. The calls start early morning and last till late at night, XXXX through XXXX. 
When I block the number they are calling from - they move on to another number. I have received voice mails stating that they are needing for me to return the call concerning a legal matter or I am being notified of legal action being taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of 2019 I reached out to XXXX used car dealership and worked with a salesman who was to assist with finding a vehicle for me. I explained I had never financed a vehicle before and owned all vehicles previously out right. I was unable to meet in person and provided my social security number, along with other information to find a loan that was within reason financially. I specifically asked that I not have more than two hard inquiries on my report and was told that the credit bureau would recognize me looking for a car and only count the inquiries as one, that was a lie. It was 17! I expressed my dissatisfaction and concern with management and was told the same lie. In first applying my credit  score was XXXX and by the time they were done my credit score was XXXX! This companies practice was abusive and deceitful in forcing me to have to choose a vehicle through them because I was unable to go anywhere else once my credit score was dropped so drastically. When expressing my concerns, I was repeatedly lied to about the effect this would have on me. My credit score is horrible and Ive been denied for school loans, increases on credit limits with my financial institutions and I am enduring a financial hardship with the insanely high monthly payments. I then began having issues with the vehicle while under warranty at XXXX miles and was refused a loaner and was told I wasnt covered under the extended warranty that was purchased. Consumers should NEVER need to endure this type of predatory and deceptive behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has reported fraudulent information on my credit report and will not attempt to remove it. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX has violated my rights by reporting fraudulent account history. I would like the account to be removed from my credit report immediately. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting a fraudulent account history. According to the FCRA, I would like the account to be removed from my credit report immediately. 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 HAND written instructions.
Product: Mortgage

The lender has failed to respond to our QWR and Notice of error request sent on  XXXX / XXXX / 17  and are proceeding to sale set for  XXXX / XXXX / 17  - the lender is in violation of regulati on X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
Product: Credit card or prepaid card

I have always paid my purchases in full to XXXX ; s. they messed up and did not apply my payments correctly and when i discovered the inaccuracy i called them and was suppose to be fixed. however the issue was not solved and late payment fee and finance charge was added again, ,now we are 90 days into this matter with all late payments and fees. 
the representative promised to correct their error and remove finance charges. i closed the account the next day but received another statement showing late fees and finance charges again. now we are 4 months the mess and finally the account was closed and promised was made to me that all has been taking of and no further action is required. 
despite my repeated efforts this matter is still on my report and hurting my credit and i have been denied credit because of their errors in reporting.
Product: Debt collection

I received an invoice date XX/XX/XXXX from an ambulance company, XXXX XXXX XXXX, in the amount of {$200.00}, for a patient named XXXX XXXX XXXX. On XX/XX/XXXX, I sent a letter to XXXX stating that I don't know anyone by that name, that I am not responsible for that person 's bills, and that I had never been transported in any XXXX ambulance or received any other services from XXXX. I never received any response from XXXX, other than additional copies of the bill and a threatening " PRE-COLLECTION FINAL NOTICE '' dated XX/XX/XXXX. I received a notice dated XX/XX/XXXX from a debt collector, XXXX XXXX XXXX XXXX, demanding payment of the XXXX bill plus interest ( {$200.00} ). I have written a letter dated XX/XX/XXXX to XXXX XXXX XXXX XXXX disputing the validity of the alleged debt.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following accounts from my file. 
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

Equifax was hacked. They have a tool to check if you were included, which is nearly every adult in the US.  Instead of telling you if you were hacked they auto-sign you up for their TrustedID Premier service. So not only is my information insecure, they use this moment of panic to both market to me and continue to perform a bait and switch without my consent. This is disgusting. 

Here is the text of their warning on their website. It says " OR '' but never provides an option to sign up, while never sharing if hacked : Equifax Cybersecurity Incident : To learn more about the cybersecurity incident, including whether your personal information was potentially impacted, or to sign up for complimentary identity theft protection and credit file monitoring, click here And here is the text you are provided when submitting to see if you have been compromised. You are forced to use their service : Your enrollment date for TrustedID Premier is : XXXX/XXXX/2017 Please be sure to mark your calendar as you will not receive additional reminders. On or after your enrollment date, please return to faq.trustedidpremier.com and click the link to continue through the enrollment process.