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

THIS COMPLAINT IS FOR THE ( CREDIT BUREAU IS VIOLANTING MY RIGHT ) FOR XXXX, 2024 I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating & quot ; They do not report any bankruptcies to XXXX & XXXX ; So if that & # XXXX ; XXXX the case. Per the FCRA 623 ( a ) ( 5 ) : & quot ; If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file & quot ; and based in the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify- through physical verification of the original signed consumer contract and/or judgment ( XXXX ) all accounts and public information that you post on anyone & # XXXX ; XXXX credit report. 
Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 

As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

They also violated my rights numerous times. 

DELETE Bankruptcy Account Number : [ XXXX XXXX ] FOR VIOLATION TO THE FCRA 15 U.S.C. 1681a ( 4 ) - Privacy Rights : The verification process employed does not appear to adhere to the privacy protection requirements outlined under this section. My right to privacy under the FCRA has not been upheld. 
15 U.S.C. 1681b ( 2 ) - Permissible Purposes : The information used to verify the bankruptcy must be for permissible purposes and comply with established procedures. The process by which this record was verified appears to have failed to meet these standards.

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Consumer Rights : According to this section, I am entitled to request the removal of inaccurate or outdated information from my credit report. Your verification response has not sufficiently addressed inaccuracies or provided valid justification for retaining this record.

15 U.S.C. 609 ( a ) ( 2 ) - Proof of Verification : I am entitled to request proof of the verification of the bankruptcy record. The verification provided was insufficient and does not meet the requirements for proving the accuracy and legitimacy of the record.

Violation of the Truth in Lending Act ( TILA ) : * UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Title 15, Chapter 41 - Federal Consumer Protections : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.
Product: Money transfer, virtual currency, or money service

PayPal Limited My Account and They Can not Tell Me Why PayPal I was limited due to suspicious activity which can mean anything or nothing. In my opinion, it is a mistake and PayPal does not admit that my account was limited unfairly. Their support staff barely provides any support. I found out that you can not even appeal the limitation. PayPal decides if you are allowed to use your account or not They decide if you have access to your money or not I would have not made such a big case out of it because I did not have all that much money in my account. 
I sent all my documents, and there is not any fraud or risk. if you don't want me get back my account is fine is like arbitration decision. 
I just want my money now. if you can 50 % now. 

My email is XXXX XXXX
Product: Debt collection

Cancellation Debt Discharged per IRS 1099-C in XXXX XXXX ID XXXX States this debt charged off sold to debt collector I have Notified USAA XXXX XXXX XXXX they still try to collect this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are still showing delinquencies and collection on my credit reports and were paid in full settlements and the test of the amounts charged off. The accounts should be listed as closed, paid, and account balances XXXX with no derogatory comments left. Settlements are binding.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been so agitating waiting for Bureau 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries and incorrect personal information that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries and personal information but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries and incorrect personal information I am disputing. 

ADDRESSES : XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, KS XXXX INQUIRY : XXXX XX/XX/2021
Product: Debt collection

I was alerted on Friday XX/XX/2019 by XXXX XXXX of a 52-55 point drop on my credit score due to a collection account by XXXX XXXX XXXX. This company has never contacted me regarding this debt by either phone or mail, but instead filed negative remarks against my credit score without ever notifying me that this collection existed. I tried contacting them and was immediately directed to answering machine voicemail. I have not received any response from them. The balance with the account in question ( XXXX XXXX ) has been paid in full. I believe this to be unfair practice to impact my credit score without ever being contacted about a collection account that I didn't have knowledge of, and am asking that this be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX are reporting 2 account listed as CHILDSUPPORT Account # XXXX and CHILD SUPPORT ENFORCEM Account # XXXX incorrectly there is no way that either consumer agency verified this account as accurate because courts are unable to released such information about court proceedings. The account is also listed twice on my consumer report which this is a violation of my consumer reports. XXXX as since deleted the account so the how is Transunion and XXXX verifying information that XXXX is not able to verify. This information is causing me damages because its messing up my credit score by having both account calculated into my score.
Product: Student loan

Chase assessed {$2000.00} interest on a {$6000.00} loan. They have never sent a statement so I can pay the interest charges as I do on my daughter 's other loan. I want to pay the interest going forward but I need statements. I also want the {$2000.00} rescinded since we were not made aware of it at ANY time from Chase. They lied and said they sent statements. They have never sent a statement to any address my daughter or I had. And I was int he same place for 14 years.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Transunion for allowing unauthorized inquires to appear on my credit report.These inquires were made without my knowledge or consent, and i believe this constitutes a violation of the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already contacted Transunion and requested the removal of these inquires. I also asked them to provide permissible purpose under which these inquiries were conducted. However, i have not received a satisfactory resolution to my request.
Product: Credit reporting or other personal consumer reports

I did not authorize any of these inquiries and do not know why they are on my report. 
XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding the inaccurate information on my credit report, which I reported to Experian on XX/XX/XXXXXXXX Regrettably, I have not received any response from Experian regarding this matter. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau to address and rectify this issue. 

I would like to bring to your attention the following incorrect information on my credit report, along with the requested corrections : Account Not Mine Account Number : XXXX Company Name : XXXX XXXX Date Opened : XX/XX/XXXX Credit Limit : {$200.00} Issue : This account does not belong to me, and I request that Experian removes it from my credit report. 
Account Not Mine Account Number : XXXX Company Name : XXXX  Date Opened : XX/XX/XXXX Past Due : {$0.00} Issue : This account does not belong to me, and I request that Experian removes it from my credit report. 
Account with Incorrect Late Payment Company Name : XXXX  Date Opened : XX/XX/XXXX Balance : {$1800.00} Issue : There is a late payment reported on this account ; however, it is incorrect as the account was never late. I request that Experian corrects this inaccurate information on my credit report. 
Account with Incorrect Late Payment Company Name : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} Issue : There is a late payment reported on this account ; however, it is incorrect as the account was never late. I request that Experian corrects this inaccurate information on my credit report. 
Account with Incorrect Late Payment Account Number : XXXX Company Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$410.00} Issue : There is a late payment reported on this account ; however, it is incorrect as the account was never late. I request that Experian corrects this inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting

I had a XXXX investigation going on with Equifax. I had investigated around XXXX things on my credit file that were deleted. This is my personal opinion, when I setup a investigation throw you all it seem like my item were deleted faster from my report. When I viewed my Equifax credit report they even remove all my good credit. I have at least XXXX items that stated paid as agreed never late. Now every negative thing that was deleted off my credit report is now reporting back on their again. The only thing Equifax did not put back on their was good credit. When I call Equifax they were very nasty to me not professional at all.
Product: Credit reporting or other personal consumer reports

Subject : Follow-Up Dispute DEPT OF EDXXXX  ( Account Ending in XXXX ) Dear Experian Dispute Department, I am following up on my previous dispute regarding the Dept of Ed/XXXX account ( Account Ending in XXXX ), under report number XXXX. Although you have updated the account, the reported information remains inaccurate and inconsistent, violating my rights under the Fair Credit Reporting Act ( FCRA ). 
Ongoing Inaccuracies and FCRA Violations 1. FCRA 1681e ( b ) Failure to Ensure Accuracy : The account reflects a 90-day late payment for XX/XX/year>, yet there is no prior 30-day or 60-day late payment. This is illogical and inconsistent, violating the standard reporting sequence.

2. Conflicting Updates Post-Dispute : Despite the reinvestigation, the payment history conflicts with your prior reporting. The updates are unclear, and Experian has failed to ensure maximum possible accuracy as required. 
3. Failure to Provide Verification ( 1681i ( a ) ( 1 ) ) : The inaccuracies persist, yet no documented verification supporting the reported late payment was provided during your reinvestigation.

4. Account Status Misleading : While the account shows Open and Current in recent months, the 90-day late payment from 2018 continues to label the account negatively, creating misleading information.

Requested Actions 1. Reinvestigate and Verify the XX/XX/year> XXXX late payment. 
2. Correct or Delete the late payment if proper verification can not be provided.

3. Provide me with written documentation from the furnisher supporting the accuracy of the reported information.

4. Ensure all updates reflect accurate reporting, or remove the account entirely if verification can not be obtained.

Supporting Documentation 1. Experian dispute results under report number XXXX. 
2. Screenshots of before and after payment history discrepancies.

3. My identification documents : Drivers License Social Security Card Proof of Address Your Responsibility Under the FCRA As mandated by the FCRA 1681i ( a ), Experian must : Conduct a thorough reinvestigation within 30 days. 
Delete or correct unverifiable or inaccurate information. 

This ongoing inaccurate reporting has caused harm to my creditworthiness, and I reserve the right to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue legal remedies for damages under the FCRA if not resolved. 

I appreciate your prompt attention to this matter and expect confirmation of resolution within the required timeline. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX My personal information, SS XXXX XXXX XXXX. I was just made aware of a fraudulent loan that was taken out under my name and credentials without my knowledge or permission. I have never done any business with a XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX ). I am disputing this under the Federal Law FRCA 605b. I have contacted the XXXX Police and the FTC and filed complaints.
Product: Student loan

I went to school for a short term, about 3 weeks or so. However, I had to drop out due to life 's circumstances. XXXX XXXX XXXX baby, car repossessed. For years, I have been trying to get forgiveness on this loan. At one point, filled it out from the website and never heard anything back. I have called and inquired about forgiveness, but no-one has followed up. For just {$2000.00} for a few short weeks, I have seen bigger loans forgiven, it is really hurting my credit by always showing I am delinquent. I just hope at some point I can have this updated. I financially have just struggled to get the extra money to pay it back. I have been on deferments, tried for forgiveness, etc.
Product: Bank account or service

Throughout my professional relationship with Wells Fargo, I have been completely taken advantage of and insulted every step of the way. XXXX years ago I was bullied and tricked into getting a credit card with Wells Fargo that was disguised as a rewards card. Throughout that time I had been accumulating late fees and interest that has now totaled close to XXXX dollars. I had been making small minimum payments to take care of the roughly XXXX dollars I had actually spent on the card, but it was accumulating too quickly to keep up. I was unaware from the beginning that interest would be involved in my account, as the salesman used aggressive and unheard of sales tactics that proceeded further after I originally said no. I also had a debit card with Wells Fargo that I cancelled due to terrible customer service on multiple accounts of fraudulent activity on my account that were improperly dealt with. Wells Fargo has tried to contact me to resolve the debt on the " rewards card '' and offered me a settlement of XXXX dollars. When I refused with the wish to not pay any late fees or interest fees, they escalated me to a corporate resolution " expert '' who took XXXX days to offer me a settlement of XXXX which is HIGHER than I was originally offered. They audited my account and reported to me that they had found inappropriate communication with me and XXXX of their sales team and " apologized '' for it before insulting me with their resolution offer. I have been continuously disappointed with their services and tactics and wish to join XXXX of the many lawsuits against this horrendous excuse for a company. XXXX XXXX " resolution expert '' is the guy I spoke too who told me that I am not eligible for the audit regarding fake accounts. I am interested in learning more information about where I can go with this. I have sent him an email requesting all alleged signed documents where I spent money on the card as well as a copy of the original agreement. Please let me know how I may proceed. 

Thank you XXXX
Product: Debt collection

Zion Debt Holdings has failed to do any of this. As they are a 3rd party debt buyer. They have not shown cause to report this debt, or prove they are the owner of said debt. 

Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. 
If a debt collector sends you a validation notice about a debt, it means they have satisfied their requirement to contact you and, in general, can begin to report the debt to credit reporting companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these late payments on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Debt collection

Medical Data systems XX/XX/2019 {$420.00} I have reached out to medical Data about this account. This account is a result of identity theft.
Product: Checking or savings account

I notified Chime today and spoke to their fraud hotline that an account had been opened in my name and using my email address that was not mine. There are transactions occurring that I did not make or having to do with and that I have been receiving email correspondence of these transactions. The only solution that Chime offered was to remove my email address from the account and did not terminate this fraudulent account. Now I am not being notified of any fraudulent activity. I informed Chime that this is unacceptable and does nothing to resolve the issue of a fraudulent account being open. The representative said that is the only thing they can do. 

Chime did not resolve the issue of a fraudulent account being opened or close the fraudulent account.
Product: Debt collection

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Product: Mortgage

Original mortgage ( XX/XX/year>2024 ) from XXXX XXXX Bank which was sold/transferred to be managed by Shellpoint Mortgage Servicing starting XXXX  XXXX, 2024. The potential issue is 1 XXXX XXXX XXXX Bank did not properly forward and document my payment to Shellpoint Mortgage during the transfer or 2 ) Shellpoint did not properly process the forwarded payment from XXXX XXXX. 

I made an initial payment to XXXX XXXX Bank of {$25000.00}. {$5600.00} towards XXXX mortgage payment and {$20000.00} towards the principal balance. This was cashed by XXXX XXXX on XX/XX/year>. 

XXXX XXXX transferred funds to Shellpoint Mortgage Servicing. Shellpoint Mortgage Servicing only processed my {$5600.00} payment but not my {$20000.00} towards my principal balance. As of XX/XX/year>2024 they still have not located my {$20000.00} payment which was transferred over from XXXX XXXX which is over 70 days or over 100 days from when my payment was cashed from XXXX XXXX. 

I have called Shellpoint several times and have a ticket with them outstanding and provided all the details to help locate my missing funds. 

Shellpoint has also recently sold my mortgage to chase bank as of XX/XX/year>2024 and since the funds have not been located it was not transferred over to my new servicer. 

This is impacting my ability to refinance at lower rates and impacting us negatively financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.