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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above account were created without my knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

Although significant medical impacts and telephone impacts at the same time no mitigating circumstances allowed or consider XXXX YOU and no dispute or consideration! Note all outstanding creditors have been addressed and to date with 90 % paid zero balance and the other two current are in dispute and negatives challenged for years NOT CORRECT or addressed XXXXFACT- to date! And still me and my wife 's credit report is at XXXX and hers significantly under ; respectfully. What a farce. To boot- as mentioned so many times- the disputes have NOT been resolved because as I mention in my opinion the bias toward the lenders and the lenders NOT providing what I requested and reply they are " working on it '' ; HA! Opinion financial hostages to a system and organizations that just do not give a XXXX and utilize for reporting incorrectly information provided by the lenders can not be disputed even though they will write pages explaining their position. Opinion- all fluff XXXX! As for the CFPB brothers in the same cause - useless farce.
Product: Credit reporting or other personal consumer reports

I had sent out my first letter to Experian on XX/XX/22 to try and remove some incorrect information on my credit report. From then until now I have sent 7 more letters to them and have not seen any change in my credit report. I have repeatedly received letters and emails stating that they think I'm using a third party to dispute for me. I find this very insulting because I do not need to hire someone to send letters for me. I do not believe that Experian is actually investigating what I am sending them since there is nothing being done.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2023 I filed a complaint with Trans Union in reference to double reporting on the same account. They are listing an error which is causing issues with my credit score. They came back to me on my dispute XXXX XX/XX/2023 stating they contacted the reporting party and that the information is accurate. Ive advised them it is the same account with two different information being listed as two separate accounts, which should only be 1. In addition, Ive reported to them my name is incorrect. The other 2 credit bureaus have my name correct and accounts.
Product: Debt collection

I was seen At XXXX XXXX XXXX and gave all the proper insurance information, address, numbers, etc. The billing department wrote my address incorrectly and I never received a bill. I was put into collections and XXXX XXXX XXXX called to collect the debt. It was then I learned that : 1. I owed the debt 2. My address was written incorrectly and i had never received a bill from the doctor 's office, nor from XXXX XXXX XXXX I asked the girl on the phone to send me a copy of the bill, so I can pay it- which she did not do - she sent me a copy of whatever she was looking at with no address to pay the bill. She also changed my billing address to the correct address. 

At that time I took the paper she sent to the XXXX XXXX XXXX and paid the bill. I was told I would absolutely be taken out of collections by the office manager, as well as the billing manager, as well as Nationwide Credit.
A week later, Nationwide is still trying to collect money for a debt that should have never been mine, and has since been paid. I have left another message for them and have not heard back from them yet. I do not want this to affect my credit score, which is in the top tier.
Product: Debt collection

Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

To Equifax Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

1. Account Number : XXXX Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a nonpayment of a mortgage loan for 3 months. This loan was made back in XXXX. It was assumed by someone in the process of selling the house. There is no other reports of this loan for years. I was told after contacting them, that the loan has not had a payment on it for 6 years. They did not contact me before adding this to my credit report. They just did it. I had to contact them to try to find out what is going on..it doesn't make sense, because we bought the house in XXXX, so why would there be a loan dated XXXX. I do not have paperwork since I throw away after 7 years. I believe the company 's name is Shellpoint.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$1200.00} INQUIRIES : N/A Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have been with XXXX XXXX  for a long time, and I have always appreciated the good value and service I have received from XXXXXXXX XXXX  Recently I checked my credit report and noticed a mistake. I was devastated to see a late payment show up. Surely this must be a mistake. As you can see from my elite streak of payment history, I have a perfect record of paying on time. I would like to remain an active consumer of XXXXXXXX XXXX and will be happy to do so as soon as we get this matter cleared up. Will you kindly send it to me? 
confirmation that this erroneous late payment has been corrected, updated to paid as agreed and deleted from my credit report. 
You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report.
Product: Mortgage

in XXXX of XXXX  my mortgage loan service was changed from XXXX XXXX  to Gregory Funding. I informed " Gregory Funding that a payment I made in XXXX of XXXX  had been made with XXXX XXXX. Eventually, we found that the payment was made and the payment was transferred to Gregory Funding. Since that time I have not been late for any payments. I am trying to refinance my loan since Gregory Funding is a predatory lender and charging me 7 %. I called Gregory Funding to get my payment history and was told that every payment was 30 days late. That is not reflected on the website run by Gregory Funding and now I can not apply for an FHA loan. This is FRAUD!!!!!!!! I was not 30 days late on my payments 11 times. I don't know where to turn but I believe legal action by CFPD needs to be taken against this company. They essential have made me a prisoner to a high-interest loan and through false reporting made it impossible to get another loan. Something needs to be done about companies like this.
Product: Bank account or service

MY account was closed with American Express bank, but i never received the money that was in my account, there was about XXXX dollars still in my account when the account was closed, and i have yet to received the money and its been MONTHS
Product: Credit card or prepaid card

I opened an American Express XXXX XXXX XXXX XXXX in XXXX and met the spending requirement to receive {$200.00} in statement credit. This never arrived, and it has been over 6 months. I have spoken to over 10 different representatives on the phone and online, but nobody has an answer. An " investigation '' was open but they seem to say that to everyone. No representative has the details, and are unable to answer any questions with detail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2020, I receive an alert that my credit score tanked by 37 points from a {$190.00} medical bill I somehow missed. I paid it immediately. Over a year of working diligently to get my score up, watching it slowly. CRAWL up a couple points at a time ... one mistake and it tanks 37 points?! In XXXX I paid my ONLY debt down from {$7000.00} to {$3500.00}. My credit score went up 32 points. I owe XXXX and it plummets by 37 points?! This is ridiculous and a SCAM! I am at the mercy of these agencys formulas and have little to no control over how my data is used! Who is holding these agencys that make a profit off of our data accountable? When looking at the different categories on the credit score, like on time payment percentage, available credit, credit inquiries and amount of debt, I have either Good or Excellent ( higher amount of excellent than good ) in all categories and yet my score is below average? Something needs to be done and some serious REFORM needs to take place. Thank you for passing my complaint ( rant ) on to anyone who will read it. # XXXXXXXXbyXXXX
Product: Debt collection

On XX/XX/2022, Chase received my Notice to Dispute letter, in the letter, I advised that I was disputing the alleged debt in its entirety. I demanded verification of the alleged debt pursuant to 15USC1692g ( b ). I also requested the name and address of the ORIGINAL creditor. As of the writing of this complaint, I have yet to receive the requested documents. 

Chase was also advised that they did not have my permission to take ANY adverse actions against me or my account which included but was not limited to closing my account and reporting negatively to any credit reporting agency. On XX/XX/2022 Chase closed my account knowing that they did not have my permission. 

Chase is in violation of 15 USC 1692g ( b ) and I demand my specified remedy which is : 1. Zero out my balance every billing cycle moving forward.

2. The return of any and all previous payments made by me on this alleged debt.

3. Remove all negatively reported reports from all credit reporting agencies. 
4. I would like a copy of my consumer file in its entirety regardless of how it is stored as defined in the FCRA.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, the company reported me as 30 days late to the credit bureaus. However, a screenshot that I took of my account on that day, it shows that I was only 17 days past due. I need the company to correct this asap as it caused my credit score to drop.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX WY XXXX, DE XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$220.00} XXXX XXXX Balance : {$1100.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card for a XXXX XXXX I opened about XXXX years ago ( XX/XX/2020 ). My last name was misspelled and, for some reason I dont recall, it couldnt be fixed at that time. I just let it be because I still could use the card normally and I didn't think it'd be an issue. 

Fast forward to this summer, I'm in the middle of the process to get into my current job and I noticed that on my background check report it appears my misspelled last name on the " other names '' section. So when I went to a different location and asked if they could help me to correct my name there. They said yes and I put in the information they asked for- thinking it was to find my account to modify it. At the end they told me the system wouldnt allow it so I should call. I honestly dismissed it because I dont use that card that often and, again, didn't think it would cause a problem because my current legal name has always be the same. 

However, I recently was checking the activity in my report and I saw I had a new inquiry by XXXX XXXX XXXX declined on XX/XX/XXXX. Apparently the way the cashier helped me was submitting an application for a new card without my consent, not fixing my name.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2024 To whom it may concern : I need to know who you verified the Public Record Information XXXX  XXXX XXXX. 
According to the XXXX report, this public record has been deleted and removed from their credit file. According to XXXX, they disputed the XXXX XXXX information with Equifax XXXX  XXXX XXXX, because it's not verifiable. I demand for this public record to be removed from my credit file immediately, and please do not send me that it has been verified with your dispute, without evidence that you verified it. This must be a lie or you not doing your job accurately according to the law. Please find XXXX  the attachments down below, for XXXX  evidence to support my case. 

I just got my credit report and the Account of Public Record Information XXXX  XXXX XXXX on my credit report is incomplete and inaccurate, violating 15 USC 1681e ( b ). 

You also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ) XXXX  person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 

Accounts : Public Record Information XXXX  XXXX XXXX XXXX  you have deleted the accounts from my credit report, please send me a copy of my updated report. 

Thank you.
Product: Debt collection

I pulled my credit report and noticed that Carter Young Inc had placed a collection on my credit report for {$170.00} medical bill from XXXX XXXX XXXX XXXX. I had previously attempted on several occasions to get XXXX XXXX XXXX to acknowledge payments I submitted to them in relation to my account and they failed to do so, resulting in them turning over my bill to Carter Young Inc collections. I called Carter Young Inc on XXXX/XXXX/XXXX and spoke to XXXX XXXX to explain that the balance owed is showing incorrectly and that I would like it fixed and then would like to offer payment to delete it once fixed. XXXX advised me to submit proof of payments made to XXXX XXXX XXXX so he could take care of the situation and update the correct amount for me to pay. As requested, on XXXX/XXXX/XXXX I emailed confirmation of a cleared front and back copy of a check that XXXX XXXX had received from me and cashed and also a copy of my bank account statement showing where I swiped my card in the office for another payment on a different date. On XXXX/XXXX/XXXX I received a reply from XXXX XXXX confirming receipt and that he would forward my documents to his client for review and get back with me. Over 30 days has passed with no response so I sent another email on XXXX/XXXX/XXXX. I still have yet to receive a response..I have also disputed this information online with XXXX twice and they have responded that Carter Young has verified this information to be correct but it is not.
Product: Checking or savings account

In 2018 a friend of mine recommended me to one of his friends that said they would give me money if I gave them my debit card and that resulted in them depositing several checks into my checking account
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE FOLLOWING INCORRECT INFORMATION COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$12000.00}
Product: Debt collection

I disputed 2 accounts opened in my name with Capital One credit Cards. Never received any validation or signature opening this accounts in my name. Capital One deleted both accounts. I received a alert today they put them back on my credit without any notification. They never provided me with validation or a letter by law I am required to receive when a debt is being re-entered on the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed harmful and damaging fraud items contained in my Transunion credit report. I sent them my FTC ID theft report and DL along with a formal request letter requesting those items be blocked/deleted pursuant to section 605b of the FCRA. Transunion continues to report these items as verified. This is a violation of my consumer rights under identity theft. The act of willful non compliance to this matter is steadily causing me damages. I submit this complaint in attempt to correct the wrong
Product: Mortgage

Wells Fargo offers a so-called " Loan Modification ' program but has denied my parents application ( submitted by my sister and I ) on four occasions. Their home of 35 years is now in the process of foreclosure. they were required to pay almost XXXX per month on a loan and still have a XXXX balance on the home. they have had a mortgage with WF since approximately fifteen years or longer. When my dad was temporarily removed from the home, his income followed and paying the mortgage became overwhelming for my mother. Now their home is in the process of foreclosur because Wells Fargo has stated that they did not have sufficient income to meet a modification, never explaining what the sufficient income was, nor did they have any problem accepting the almost XXXX per month from an XXXX year old woman and a XXXX year old man. My complaint is, if they have re-joined their income which equals approximately XXXX per month, and it exceeds the monthly mortgage, what is the legitimate justification for denial. In addition. I have been fighting this battle on my parents behalf since XXXX of 2014. I was able to secure a modification ( which lowered the monthly payment ) therough my own mortgage company. I would never ever allow Wells Fargo to finance anything for me. I would do without first. I do n't know why they even advertise Loan Modification wwhen it is a complete lie. Now XXXX old people who have had their home for over 35 years are now being foreclosed on because they are not being given a loan modification. It should have been against the law to re-finance offering an ARM loan to senior citizens!.
Product: Debt collection

Receivables Solutions is continusally calling my phone and leaving robot messaging on a debt I do not owe. In the past I requested for them to send me documentation confirming the debt. However they send me a letter back stating they could not find me in there system. I want the calls to stop, and I want the debt removed.
Product: Debt collection

I had to verify my address even after being asked if they were speaking to me on the phone. I told her who she was talking to, but she insisted I needed to verify my address, date of birth or last XXXX digits of my social security number. 
After I did all of that it is then when she disclosed what the call was about.