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

Upon review of my credit report in XX/XX/XXXX it was brought to my attention there was several accounts that reported negatively that needed my attention. A separate account owned by, XXXX, aka Allied Interstate LLC, aka XXXX XXXX, aka XXXX XXXX XXXX, aka XXXX owned two of these accounts. I sent a original certified and notarized letter requesting validity on the alleged debt in XX/XX/XXXX to what was Allied Interstate LLC, and requested items be deleted per my report if validity not received in the allowed time frame.I did not receive a response letter at any point. I then received a second bill in the end of XXXX as well as the Agency continued to report to all three major credit bureaus on my behalf and also was at this point referencing to themselves as XXXX XXXX XXXX XXXX fka XXXX XXXX I sent a second request for validity XX/XX/XXXX I received a response letter from XXXX XXXX XXXX XXXX C/O XXXX stating they are " unable to verify '' and requested more information, requesting additionally social security number and date of birth as well as other information that was provided originally to them already it is my understand of the Fair credit Act that I do not have to provide my date of birth or social security number to them as them are simply trying to verify this is my debt, to collect.I then sent a third certified, and notorized letter requesting a validity including my date of birthXX/XX/XXXX.I have not received a response from any of all of the above referenced collection agencies as of today 5 months since original dispute.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Innovis are reporting incorrect information on my consumer report. They have several name variations and address that do not belong to me. I did not receive any solicitation from XXXX to dispute this information before they released it and caused me to be denied credit that is my right. Under whose authority is XXXX working because federal law states they are required to report accurate information. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX, GA XXXX any other address is incorrect. 

( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

the bankruptcy should have never been report since the courthouse dont report bankruptcy
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time. 
This incorrect reporting has negatively impacted my FICO Score. Under US Law 15 U.S.C. 1666b, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments.
Product: Credit reporting or other personal consumer reports

This is my 12th 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Credence Resource Management , LLC has kept calling and texting me to pay a debt for the amount of {$240.00} to XXXX XXXX XXXX. I never had XXXX XXXX XXXX until recently and am on a family plan that gets paid automatically every month. Before joining my family plan, I was with XXXX for years. 

I looked up Credence Resource Management , LLC on XXXX and they have 1.2 stars. Many reviews have been left by people who claim that this company opened an XXXX XXXX XXXX debt fraudulently and that they have reported them to the XXXX  and XXXX PD. 

I have already filed a dispute with XXXX XXXX
Product: Debt collection

During the time of XXXX XXXX 2013, Senex Service open a file for XXXX XXXX Medical Center. My complaint is due to the fact that I was XXXX I never received any notice to collect any debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666 b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for ANY purpose!
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus changed the status of my Alabama Child Support Account from closed to collections. This is an error. This account is current and being paid as agreed. According to the Alabama Child Support Administration, child support should only be reported on credit reports if the past due balance is over {$1000.00}. I am current on my payments therefore the account should be removed, if not placed in a current status.
Product: Credit reporting or other personal consumer reports

I went to check my credit profile and found some inquiries that are not mine.
Product: Credit reporting or other personal consumer reports

I am writing to you to express my deep concern and frustration regarding the lack of response to the disputes I have submitted since XXXX of last year. According to the Fair Credit Reporting Act ( FCRA ), I have the right to challenge and correct any incorrect information that may be included in my credit reports. 

I have submitted several disputes to their offices to correct the inaccurate information being reported in my credit reports. These disputes have been detailed and well-founded, complying with the requirements set by the FCRA. However, as of the date of this complaint, I have not received any response or action from any of the three credit bureaus. 

The FCRA clearly states that consumers have the right to a timely and fair investigation of any dispute they file. The lack of response from XXXX, Experian, and XXXX goes against these rights and puts me in a compromised financial position due to the incorrect information that continues to affect my credit history. 

I urge you to comply with the law and proceed with the corresponding investigation to correct and update the incorrect information on my credit reports. Additionally, I request that you contact me immediately to provide a clear explanation of the delay and the current status of my disputes. 

I understand the importance of maintaining accurate and up-to-date credit reports, and I trust that you will take the necessary steps to rectify this situation promptly and in accordance with the FCRA. 

I appreciate your attention to this matter and look forward to a prompt resolution.
Product: Debt collection

CBE Group, Inc sent a bogus notification of debt collection for XXXX saying that my account is past due, and instructing me to send money via a website, via credit card, or debit card, or via money order. They listed a disconnection date of XXXX/XXXX/15. However, they list an account number that it is not mine, and XXXX never disconnected my number on such date.
Product: Vehicle loan or lease

This is reference to regional acceptance corporation. I have been constantly lied to by this company. I asked them what the amount was that I owed to bring the account current and so I won't get assessed late fees they have given me so many incorrect amounts I go good for 4 month and then they turn around and say I owe late fees or certain hidden fees that I was never made aware of my payments have always been on time have always been met and they are tacking on all these additional fees and they are not willing to wave any of them or explain in a defenate answer what they are in relation too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made my mortgage payment through XXXX XXXX XXXX that was due on XX/XX/XXXX for {$1300.00} on XX/XX/XXXX. I made the payment online directly from my XXXX XXXX XXXX account to my XXXX XXXX Mortgage. I have a confirmation from the XXXX XXXX XXXX online banking history that shows the payment date as XX/XX/XXXX.  However, they did n't post the payment until XX/XX/XXXX. This resulted in them reporting me in excess of 30 days late on my credit report. This is a direct violation of Reg Z that states I should be credited for the payment the day they receive the payment. In this case it was XX/XX/XXXX which is within the 30 day payment window for credit reporting purposes. The bank is permitted to post the payment when they would like but are n't permitted to impose any fines, late charges, or negative credit reporting due to the delay in posting. In this case they reported me over 30 days late because there was a delay in posting. I feel this is a violation of Reg Z and as a result I was reporting as being in excess of 30 days late. I am requesting my credit report be updated.
Product: Consumer Loan

My personal phone was called 12 times in a span of two days from a collections department from PNC bank. My account is in good standing with no historical delinquency. My payment was within the disclosure of the grace wait period. I think the collection practice was unnecessarily aggressive and inappropriate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was 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 accounts 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 below : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$63000.00} ; XXXX XXXX XXXX Balance : {$370000.00} ; XXXX XXXX  XXXX Balance : - ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX
Product: Checking or savings account

I have a balance of money in a savings accountcap1 online savings is refusing2return. They saw i was trying 2 draft out my money w a test deposit2 XXXX XXXX which was succesful, then they shut my access off to draft out the remaining balance. This was exactly as coV was begging. And they cap1 and most banks were doing the same2 unilayreally stop bank runs. The month and year was XX/XX/2020 they placed this block on my acct 2 longer have ac cess 2my savings funds.
Product: Mortgage

Borrower suffered financial hardship resulting from a temporary COVID 19 related furlough of Borrowers spouse and Co-borrower on XX/XX/XXXX. Borrowers financial hardship was exacerbated when spouse unexpectedly and prematurely passed away on XX/XX/XXXX. 

Borrower was granted Covid forbearance effective XX/XX/XXXX. 

Borrower notified Lender on XX/XX/XXXX that Borrower wished to end forbearance and seek relief under the COVID-19 FHA-HAMP Combined Loan Modification and Partial Claim with Reduced Documentation as described on pages 12-13 of HUD Mortgagee Letter of XXXX XX/XX/XXXX ; and pages XXXX of HUD presentation, Update to FHA 's COVID-19 Loss Mitigation Policy. 

It was specified at that time that Borrower was not eligible ( could not afford ) loan modification based on a partial claim covering COVID related forbearance alone. Borrower provided justification and documentation to support this petition. Lender acknowledged that Borrower 's application was complete on XXXX XX/XX/XXXX. 

Despite assurance from Lenders Loss Mitigation department that the FHA-HAMP waterfall guidelines would be used, Lender provided Borrower a loan modification offer dated XXXX XX/XX/XXXX limited to the COVID-related forbearance. 

The Borrower has made several attempts to correct clerical errors in the original offer and have the loan reviewed in accordance with FHA-HAMP waterfall guidelines. Lender has not provided any evidence that it has made a good faith effort to promptly and properly review borrower 's request. To the contrary, Lender issued a second edition of the COVID combined partial claim and loan modification, on XXXX XX/XX/XXXX. 

On XXXX XX/XX/XXXX Borrower was advised by Lenders Loss Mitigation Depart to disregard that offer ( copy of email attached ). However, since that time Borrower has not received another offer and has be contacted to execute the XXXX XXXX documents on multiple occasions. On XXXX XX/XX/XXXX Borrower confirmed by phone that Lender was unwilling to consider Borrowers petition for a FHA-HAMP based partial claim. 

Monthly payments have been reinstated according to the original loan and Borrower remains current ( excluding the forbearance amount ) on this loan at considerable cost to Borrower 's limited disposable income. Time is of the essence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I faxed documents to XXXX and am writing because my credit report is not accurate, I have attached my birth certificate, ssn, and a recent police report number from a incident in which I was almost killed, but thankfully Im still alive. Your records have revealed to companies Im deceased and this is untrue. 
Under Missouri state law I am also entitled to one free report a year if you are unemployed and plan to look for a job within 60 days, you are on welfare, or your report is inaccurate because of fraud. I have a right to bring civil action against anyone, including a consumer credit reporting agency, who improperly obtains access to a file, knowingly misuses file data, or fails to correct inaccurate file data. 
As you are aware I have made numerous attempts to get you to correct my credit report. Your records stating Im deceased  has caused a delay in income tax services, among other things and has harmed me severely financially.
Product: Credit reporting or other personal consumer reports

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Product: Money transfer, virtual currency, or money service

What happened? 

I used PayPal to send {$6000.00} to a company called XXXX in the XXXX XXXX for tuition purposes, then found out that the company is a scam and operates fraudulent accounts. I filed a claim with PayPal and they are not making any effort in getting this resolved. Below is the complaint I sent PayPal about XXXX who I sent my money to : Complaint about XXXX  I sent money to open a XXXX XXXX XXXX/package and was assigned a fraudulent Account Manager, XXXX XXXX who tampered with my account and misrepresented the balance in my account. A Complaint was made to XXXX XXXX and XXXX XXXX CEO of XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX.I still have not gotten a response concerning this fraudulent transaction. I was assigned an Account Manager who embezzled money from my account. This is part of payments totaling {$6000.00} to XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. for tuition and training that turned out to be bogus, and was assigned an Account Manager XXXX XXXX who embezzled money from my account. When I found out what was going on I sent an email and he replied there was an " MTS malfunction '' I have no idea what that means. I would like a full refund of all the monies paid to XXXX. I do not trust this company. I used PayPal as a vehicle to send my money to XXXX. PayPal seems to be doing business with fraudulent companies and is turning a blind eye when customers complain about the fraudulent transactions. XXXX is a fraudulent company and also operates under the names/ is affiliated with XXXX and XXXX. Please let consumers know about this company 's notorious reputation for scamming innocent people out of their hard earned cash.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

I am writing in ref to complaint number XXXX. Experian is refusing to remove erroneous information that is on my credit report due to identity theft, they deleted all accounts and then re added the accounts after they were deleted. Experian just suffered a data breach. They are more worried about accusing people of wrong doing then of protecting our information. They should be sued and not allowed to conduct business until they comply with properly protecting our information.
Product: Checking or savings account

On XX/XX/XXXX, at around XXXXXXXX XXXX I made a purchase on XXXX using my Chime card with no problem. When I went to verify my balance on the account, I received an error message saying that my account had been closed, and to call Customer Service. I called and spoke to an Agent, XXXX, who told me that the account had be closed because of a XXXX XXXX  negative balance on the Checking account, even tho my XXXX XXXX account had {$350.00} in it, which couldve easily covered the overdraft. In addition to having money in my account, Chime offers XXXX, which is and overdraft coverage of {$20.00} or whatever amount they allow yo to overdraft without any problem. My XXXX  was {$25.00}, and I had only used {$10.00} to pay my gas bill. I pressed on for more information but they could not tell me why they could not reopen the account or send me the funds on the account. I requested to speak to a supervisor but was told no one was available. I asked if they were illegally taking my money and they said they are not paying it back.
Product: Credit reporting or other personal consumer reports

I disputed incorrect information on my report, requested a deletion and a full investigation but did not receive any. Although I provided all the necessary information required by law on my part. Experian is violating my rights. I have listed the concerns about their reporting in the document. The account in question is not complete and does not meet the standards; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well. 

In accordance with the Fair Credit Reporting Act This account has violated my rights : XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Account # : XXXX Date Opened : XX/XX/. This account is inaccurate, incomplete and not adhering to compliance standards. 

According to the FCRA and Metro 2 compliance reporting standards, the information listed above is my most up-to-date personal information. If what Experian have on file for me doesn't match what's listed, then there are problems with either Experian 's records or those who provide them for verification purposes. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. Experian must finish the information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. I require that any mistakes be fixed permanently.

According to the FCRA, 15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A. section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.