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

As of today, the credit bureaus have failed to provide a valid response or correction regarding these disputes, in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice of the dispute. I want the below negative accounts deleted from my credit report. 

XXXX ) XXXX XXXX XXXXYour lack of proper investigation and continued inaction is also a violation of this provision. In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. 2001 ), the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. 

XXXX ) XXXX XXXX XXXX- XXXX-Your lack of proper investigation and continued inaction is also a violation of this provision. In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. 2001 ), the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. 

XXXX ) XXXX XXXXYour lack of proper investigation and continued inaction is also a violation of this provision. In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. 2001 ), the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. 

XXXX ) XXXX XXXX XXXXYour lack of proper investigation and continued inaction is also a violation of this provision. In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. 2001 ), the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. 

XXXX ) XXXX XXXX XXXX XXXXYour lack of proper investigation and continued inaction is also a violation of this provision. In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. 2001 ), the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. 

XXXX ) XXXX XXXX XXXXYour lack of proper investigation and continued inaction is also a violation of this provision. In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. 2001 ), the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. 

XXXX ) XXXX  XXXXYour lack of proper investigation and continued inaction is also a violation of this provision. In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. 2001 ), the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. 

Your attention to this matter is greatly appreciated. 

Thank You,
Product: Debt collection

I was contacted by Phoenix Financial Services on my business phone during business hours. They called serval times and hung up after each ring. They asked that I verify my personal information, I refused and asked that they verify who they are and why they are calling. The rep refused to provide any details about the company. He stated that I owe a medical bill to them but would not give me any information about the alleged debt or the medical facility where the services were provided. ( I owe no one! I have Insurance that covers all my medical needs ) He mentioned someone else 's personal information mixed with some personal identifiable information of mine. This sounds like a merge of information!! I'm not sure. I don't know who Phoenix Financial Services are AND I've seen where they have been sued many times for their deceptive and aggressive collection practices. I will report them to any and every platform. ( XXXX ) ( XXXX ) ( CFPB, YOU GUYS ) and the ATTORNEY GENERAL. As I have RIGHTS as a consumer! ( FDCPA ) ( FCRA ) ( FTC )
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

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 XXXX0}
Product: Credit reporting 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 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.

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 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.
Product: Mortgage

This company is a nightmare with the escrow acct ..first it was trying to get them to remove my pmi which was suppose to be automatic ( I had to email them a copy of the contract to get them to comply I cant imagine how they wouldnt have this ) ..now they failed to pay my homeowners insurance I caught it day before and after many lies got someone to agree to overnight it so I dont loose insurance or be charged late fees ..now they show they took it out twice and are having to advance me money ... I find bbb had many complaints like this on them ..the escrow department lies every phone call and I have to make up to 8 calls about each situation ..I have never had to worry about my things being paid from others
Product: Mortgage

I received notice from my attorney XXXX XXXX XXXX on XX/XX/2016 informing me that my mortgage lender Regions Bank dba regions Mortgage has declined the short sale offer presented to them by XXXX stating there is not enough time to review for short sale due to the foreclosure date set for XXXX/XXXX/16 and that they require an offer within 35 days of a scheduled foreclosure to proceed. Regions has also declined XXXX 's postponement requests and will not reopen the file. I believe that Regions has been unreasonable in rejecting a verified binding short-sale offer simply because they do n't have sufficient time to review the offer. The buyer has already conducted a thorough inspection of my property and home. I am desperate for help and do n't know have any remaining viable recourse to stop the XXXX/XXXX/16 foreclosure. I am in this position due to divorce and have been working diligently through XXXX to complete a short sale. I do n't believe in filing for bankruptcy and I do n't have the money required for reinstatement of my mortgage loan even if I liquidate my 401K. According to my attorney Regions is not doing what the government says the lenders should to provide foreclosure alternatives to homeowners. Please help!
Product: Debt collection

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below THE GOLDEN 1 CREDIT UN XXXXXXXX
Product: Debt collection

Continually call from different local numbers, refuse to mail notice of debt or any confirmation of said debt, harrasing tones, direspectful staff, will not stop calling even after attempting to block their numbers.
Product: Consumer Loan

I have several issues with this company. When I first applied for the loan, I was told by several people at the office, including the branch manager, XXXX XXXX, that this was a simple interest loan and that I could make extra payments directly to the principal of the loan if I sent it to the office directly with the phrase " Principal Payment '' on the check. Furthermore, when I paid extra on the website and the payment was divided by the normal schedule instead of a principal payment, I was again told by the staff at the XXXX XXXX, CA branch that I should have sent it to them as a principal payment. 

Well, I recently decided to start paying this loan quicker and sent them a payment directly as I had been told multiple times. XXXX XXXX actually called me to tell me that they could n't do that and that I would be paying the loan as agreed in the schedule. When I asked XXXX XXXX about what he has promised me, he refused to respond other than to ask me what to do with the check.
Product: Debt collection

I never recieved any information about this debt, but its reporting on my credit report as late and closed. Its hurting my creditworthiness.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account listed on my credit report that I believe to be fraudulent. This account, identified as [ Account XXXX ], does not belong to me, and I have no knowledge or involvement with it in any way. It is negatively impacting my XXXX XXXX, which is severely affecting my ability to obtain the necessary financial resources to improve my quality of life.

As you may be aware, the presence of inaccurate or fraudulent information on my credit report is not only damaging to my XXXX XXXX but is also preventing me from securing loans, credit, and even certain housing opportunities. This is creating significant hardship and frustration in my personal and professional life.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX  Transunion and XXXX XXXX will not remove this account from my credit report. 

I sent XXXX a debt validation letter and they refused my certified letter. 

I waited XXXX  days and even though this account shows a XXXX balance they will not remove it from my report even though the original creditor told them REMOVE IT! 
So no one can verify any account so you have to remove it but transunion refuses!! 

As per the Fair Debt Collection Practices Act ( FDCPA ), I request that you validate the details of the debt, including but not limited to : The original creditors name and address. 
The total amount of the debt. 
A copy of the assignment contract that transfers ownership of the debt to your agency, if applicable. 
Please provide this documentation within XXXX  days of receiving this letter, as required by the Fair Credit Reporting Act ( FCRA ). If the debt can not be validated, I request that it be removed from my credit file. 

Thank you for your prompt attention to this matter. Please contact me at XXXX Sincerely, XXXX XXXX
Product: Bank account or service

I went to my Bank branch and requested to close my account. The teller wend ahead and closed the account and gave me the balance in the account. I asked the teller at this time whether any other charges or loans could go through the account now that it has been closed. The teller told me that no other transactions could go through and that the account was closed. This was on a Wednesday around noon. On Friday my payday loan payment was allowed to go through this closed account and I get an email telling me my account is overdrawn. I call the bank and speak to a representative and ask why did this loan payment go through. The representative advises me that the account is not officially closed for 24 business hours. I advised that this is not what I was told on the day I closed my account. The representative then tells me I can dispute this transaction. He puts me on hold and 10 minutes later brings on a representative from disputes. After speaking with the representative from disputes, I find out that this is a waste of my time since the transaction was legitimately mine and this dispute would do nothing but keep the account open. I told the representative to forget the dispute, thinking that at least the account would close. I then went and talked to a teller from my other bank and asked if I closed my account would charges and loans be allowed to go through. She said no. Then on this Friday another payday payment was allowed to go through this closed account. So now there is a negative balance of over {$400.00} with {$70.00} nsf fees. I call the bank again asking why this happened and was informed by a so called manager that the account is not closed and will not close until I pay off the negative balance. I do not understand how a bank can hold someone hostage like this. I was under the impression that if you did not have the money to pay the transaction they would return it. And especially if the account is closed. I put that debt into debt consolidation program which I have to make payments on. I do not have extra money to pay the bank the negative balance.
Product: Credit reporting or other personal consumer reports

This is very upsetting, It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.
Product: Student loan

I recently transferred my federal direct student loans to fed loans from XXXX XXXX. I submitted the paper work in mid XXXX XXXX and it was received by Fed loans prior to the end of XXXX. It is currently mid-late XXXX XXXX and Fed Loans is STILL unable to tell me how many successful payments I have made towards PSLF. When I asked them how long until they would be able to calculate the amount of payments I have made towards loan forgiveness ( presumably a process of SIMPLE COUNTING TO TWENTY-SOMETHING ), they informed me today that it will take another 3 months. 

I need this information in order to maybe irreversible and significant decisions very soon. It is absurd that it has taken them 2 months already and may take an additional 3 months to take a basic tally of my payment history.
Product: Credit card or prepaid card

I was a victim of fraud and have a fraudulent account on my credit reports with XXXX, XXXX  and XXXX.
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 i informed experian to know that i received a credit report that had several inaccurate information on it such as several names and addresses that wasnt mines i stated that the company ( experian ) should remove these due to the FCRA obligating credit agencies to report accurate information in which i recieved a updated report that still had several inaccurate addresses and names as well as employment innaccuracies. 15 usc 1681n states that a credit agency SHOULDNT BE WILLFULLY NON-COMPLIANT if that said agency ( experian ) is being non compliant thats punishable up to 2years or a XXXX $ fine per inaccuracy
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. US Dept. of Education XXXX XXXX  XXXX. Are all in violations of 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15USC 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Privacy act 1974. 
These are reported as charged off which are considered income and income is not legally reported to my credit report.
Product: Credit reporting or other personal consumer reports

The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX  XX/XX/2023
Product: Debt collection

I paid CCS the remaining amount due in a debt with XXXX. I sent them the cashiers check for XXXX on XXXX and they cashed it and emailed me saying they received it and the account is closed on XX/XX/15. The memo of the check stated that this check was for the payment and deletion of the account. CCS received and cashed the check but failed to delete the account. I called them and they said they were unable to delete it even though they agreed to the terms in the memo and cashed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted  XXXX   XXXX  and   XXXX   XXXX   XXXX   XXXX   about several inquiries that are on each  one  of my credit reports from their company. I explain that the inquiries were not authorized by me. During the times the inquiries were made I was in  XXXX   XXXX  getting ready to move the following month I had no need to be shopping for a car in  XXXX , I also advised the rep that I was a my ex had used my identity before and that could have been the case. I asked the rep to provide me with the original document with my social security number and signature proving that I made the inquiries, because their company is reporting the inquiries in the sate o f  XXXX  I  have the RIGHT to request VERIFICATION of how they received information.  XXXX   XXXX  sent a letter back dated   XX/XX/17   stating that I had to contract the dealerships to get a copy of the original contract, hence the dealerships are in  XXXX   XXXX ,  Missouri.  I called the dealership and they said that they destroy contracts unless they are approved. I told them that I never came into their office and applied nor did I apply online they told me that I had to contract  XXXX  to get the inquiry removed. I am tired of going back and fourth to get something removed in which I never inquired about in the beginning. This inquiry alone with a dozen others are causing m y credit score  to decrease and I want these inquires removed from all there reporting agencies immediately.
Product: Credit reporting or other personal consumer reports

Transunion XXXX XXXX XXXX Secured loan XXXX Collection XXXX XXXX XXXXXXXX XXXX XXXX OF XXXX XXXX XXXX XXXX Charge card XXXX XXXX XXXX XXXX Child XXXX XXXX XXXX XXXX  XXXX Collection XXXX XXXX XXXX  XXXX Secured card XXXX Charge card has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXXXX Collection XXXX XXXX XXXX  XXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Secured Card XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Charge Card XXXX XXXX  XXXX Debt Buyer XXXX XXXX XXXX XXXX XXXXXXXX Secured Loan XXXX XXXXXXXX Charge XXXX has violated my rights. 

XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Reported Balance {$1500.00} Collection Medical XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Balance {$1100.00} Collection XXXX ( CLOSED ) xxxxxxxxxxxx XXXX Reported Balance {$0.00} CHARGE_OFF XXXX ( CLOSED ) xxxxxxxxxxxx XXXX Reported Balance {$0.00} XXXX XXXX XXXX ( CLOSED ) xxxxxxxx XXXX Reported Balance {$0.00} XXXX XXXX XXXX  XXXX / XXXX XXXX XXXX Reported Balance {$10000.00} XXXX XXXX XXXX XXXX / XXXX XXXX XXXX Reported Balance {$5300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX xxxxxx XXXX Reported Balance {$0.00} XXXX XXXX XXXX ( CLOSED ) xxxxxx XXXX Reported Balance {$550.00} XXXX  XXXX XXXX XXXX ( CLOSED ) xxxxxxxxxxxx XXXX Reported Balance {$400.00} XXXX  Under 15 U.S.C 1681 section 602 A, I am granted the right to privacy. However, this right has been infringed upon by the inclusion of erroneous details on my credit reports. This violation not only raises questions about my privacy but also undermines the trust I place in the integrity of your reporting.

Furthermore, 15 U.S.C 1681 Section 604 A Section 2 clearly states that a consumer reporting agency is prohibited from furnishing any account-related information without obtaining my written instructions. To the best of my knowledge, I have never provided such instructions for the inclusion of the accounts listed below on my credit reports.

The violation of my rights takes another form, as 15 U.S.C 1681c. ( a ) ( 5 ) explicitly prohibits any consumer reporting agency from including certain adverse items of information that antedate the report by more than seven years. Yet, I have noticed entries such as [ list a few examples of inaccurate and outdated information ], which contravene this protective provision.

Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) places a responsibility on those who furnish information to ensure its accuracy. It deeply concerns me that some of the information provided by the listed creditors and collectors is not only inaccurate but may also have violated this essential provision.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am disputing equifax for a posted removal. i have the documents to prove they should be removed!
Product: Credit card

I have two hard inquiries on my credit report cards. I did not open Capital One and XXXX. XXXX XXXX XXXX