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

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ). 

I received my investigation and notice there were still some discrepancy. The consumer reporting agencies which is equifax, XXXX, and XXXX  did not modify or correct everything. 

Last Verified doesn't match on all three credit reports, Date of Last Activity doesn't match on all three credit reports, Date Reported doesn't match on all three credit reports, Date Opened doesn't match on all three credit reports, Closed Date doesn't match on all three credit reports, Dispute Status Is Incorrect, Last Payment doesn't match on all three credit reports Which is a violation. This Is Impacting me from moving forward in my credit journey and get additional funding for my business. 

Ive attached my most recent credit report to show how equifax, XXXX, and XXXX violated my rights.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I made a wire transfer to recipient in XXXX XXXX thru Citibank, on XX/XX/XXXX they sent the money and on XX/XX/XXXX I found out that the transaction was a scam so I called Citibank to cancel and recall the wire transfer but they said that the money was released to the recipient which is unbelievable because it takes at least XXXX working days to release the funds to the recipient
Product: Prepaid card

I have attempted to used both my Amex gift cards and the merchant notified me that the transactions were declined by my bank. I have two Amex gift cards that are for {$2500.00} each. The Amex rep told me that these can only be used in person because they are unassigned gift cards and the merchants only accept payments from assigned card holders. This is unacceptable and unethical. I have escalated the issue with Amex with no solution so far. The following two case numbers were provided for each card : case # XXXX and # XXXX. The customer service rep named XXXX assisted me on XX/XX/year> XXXX PT.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was no sub category for this complaint so its probably miss classifieds. My complaint is against Equifax. I am filing this complaint just as additional evidence against Equifax in my lawsuit I am getting ready to bring against them. In the last few days I have had a collections account in the sum of {$800.00} to be removed from my credit report. My score increased significantly. Then today out of the blue it drops by 23 points. My score dropped today yet I had a collections debt removed from my credit report in the amount of {$800.00}. My credit usage decreased by 10 %. The total amount of my debts decrease by over {$100.00} and my score drops by 23 points. Equifax is once again retaliating against me because I exposed their lies and criminal activities. This complaint is purely to serve as evidence. I know the third part messenger service known as the CFPB will take no action against Equifax. Equifax is determined to make me rich. XXXX was sued a few years ago for the same reason I am suing Equifax and XXXX had to pay XXXX XXXX dollars to the plaintiff. Equifax continues to retaliate against me and violate my rights. There is no way my credit score can decreases by 23 points when a collections debt ( A fraudulent collections debt that Equifax knew was fraudulent yet chose to allow it to be posted on my credit report ) in the amount of {$800.00} was removed from my credit report and my credit usage decreased by 10 % and my debt decreased by over {$100.00}. This is just more retaliation by Equifax. I wills see them in court. They are determined to get sued and I will give them their wish.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.CRA returned dispute investigation with " updated '', although nothing was updated. The account has incomplete and missing information which was not verified or updated. FCRA, sect 611 requires prompt removal of account. CRA will not properly investigate or remove account.

2. CRA has a history of responding to these complaints claiming they have reason to believe I am not the author of my own disputes, while not notifying me of their concerns. Instead, they do not investigate or follow FCRA. Violation : FCRA sect 611 3. The CRA is repeatedly re-inserting inaccurate and incomplete information on my file. This is in violation of FCRA, sect 611.

4. Request to remove this obsolete account is permitted ( FCRA, sect 605 ). CRA will not investigate my request for removal and delete account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone else is using my personal information, DOB and social
Product: Credit card or prepaid card

The charge was for a LOT of money from XXXX XXXX XXXX XXXX which turns out to be a fraudulent company. Initially the " company '' promised the ability to cancel for a full refund ; however, the company is actually a scam. No service requests were ever completed, all the phone numbers, email addresses, and website were disconnected after taking payment, and multiple complaints and cease and desist orders have been filed across the country about this fake company. Chase refuses to adequately investigate the fake company and claims the company sent back documentation to show the charges are valid ; however, the documentation itself is fake and does not prove anything whatsoever. No services were actually received by any consumers because there are no services to receive. Consumers should not have to pay for fraudulent services advertised by fraudulent companies and credit card companies need to do a better job of investigating such credit card scams. 
Additional documentation and request to reopen the dispute were sent via US Mail and have been ignored.
Product: Mortgage

We have been trying to pay the overdue balance for the last XXXX months on our mortgage account, but SPS refuses to give us any ways that we are able to send the money. The last claim we submitted telling them that we have the money and are able to make the payments on their proposed XXXX XXXX repayment plan, but they just copied and pasted the same letter and sent it to us twice without answering our questions and closed the claim. They are refusing to communicate with us to set up the balance pay off and are illegally trying to force us into foreclosure.
Product: Mortgage

My mortgage is managed by PHH Mortgage Company @ PHH Mortgage Services in XXXX, PA XXXX given a XXXX XXXX XXXX as contact. Web account resources are accessed through XXXX XXXX XXXX website. Over the last 10 months this company has changed the monthly mortgage payment multiple times. I use bill-pay through my credit union, so in XX/XX/XXXX I missed making an adjustment to the standard monthly payment by XXXX dollars and some change. They put all the money in Escrow and began putting all my monthly payments in Escrow. They did not call me until some time in XX/XX/XXXX and after working with them for several weeks they got the payments redirected appropriately. However, they have begun putting my payments in Escrow again, with the excuse that I made my XX/XX/XXXX first  payment 11 days early. They put the XX/XX/XXXX payment for XX/XX/XXXX in Escrow, charged me a late fee and called me today to tell me my payment was late for XX/XX/XXXX. I called again and was told they had a rule set to redirect all my payments to Escrow and that needed to be changed.I now have had an XXXX XXXX because of the frustration. I am and always have had a credit score over 800, I pay my bills on time with less than 6 mishaps ( like a few days later on my water bill ) over my 45 years as a bill payer. I am afraid this company, being a debt collection company is trying to destroy my credit and take my property away from me. I have not changed my method of payment or timing except for setting it back a few days early because the company said in XXXX they did not receive it electronically for 7 to 10 business days. Please help me get this company straight so they will stop causing problems with my mortgage and my health.
Product: Credit reporting

I recently met with an attorney regarding errors on my credit report and learned that XXXX XXXX XXXX is incorrectly reporting mortgage account information on my three credit bureau reports. My last payment on my XXXX XXXX XXXX Mortgage was dated XX/XX/XXXX ; therefore, the status date on the account was XX/XX/XXXX. This account should have been removed from my three credit reports XX/XX/XXXX.
Product: Credit reporting 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 XXXXXXXX Reporting Bureaus : XXXX, Equifax, XXXX This Account is reflecting inaccurate information to all 3 credit bureaus Please removed/ delete from my credit report 15 U.S. Code 1681 ( i ) ( a ) ( 1 ) 15 U.S. Code 1681 ( i ) ( a ) ( 6 ) ( b ) ( 3 ) 15 U.S Code 1681 ( i ) ( a ) ( 5 ) ( B )
Product: Money transfer, virtual currency, or money service

We have a Pay Pal Account we use for credit card transactions for our business ... on XXXX XXXX our customer made a purchase for a rebuilt transmission totaling XXXX. In XXXX he lied to his credit card company stating he did not make this purchase ... I sent documentation to Pay Pal who assured me they were working for OUR BUSINESS and to rest assure we would not have to pay this money back ... I have NOW found out after numerous phone calls to Pay Pal and asking to speak to a supervisor and being told they would call me back ... it has been turned over to collection
Product: Credit card

I submitted payment, via my automatic payments to Synchrony Bank on XXXX XXXX, 2016. On XXXX XXXX, 2016, I received confirmation that the payment had been posted to my account. On XXXX XXXX, 2016 I attempted to make a purchase on amazon.com and the credit card was declined. On XXXX XXXX, 2016 I logged into my account and it showed the account had been closed. I contacted Synchrony via phone and they stated because my payment was returned, they had closed my account. I stated my automatic payments were setup to be withdrawn for a checking account which I recently closed however, they said nothing could be done to the account because the decision had been made to close it. 
When I inquired about why this was done without notification or a chance to pay the outstanding balance I was told they had sent me an email, however, this was not the case. I received no phone call, no US Postal mail and no electronic mail. No contact was made by Synchrony to alert me of a 30 day late notice nor was I informed of a returned payment. 
Once I learned of the issue with the late payment, I promptly paid the balance in full.
Product: Student loan

I had student loans with XXXX XXXX XXXX XXXX XXXX. 3 of them. I was part of the group that had them removed from my credit report because of the investigation now XXXX has sent me letters claiming I owe them money for these loans even though they should not be claiming I owe them anything.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX is reporting incorrect and inaccurate information to my credit report from XXXX XXXX which is a closed account with a late payment in XX/XX/2023, which is INCORRECT! XXXX is reporting the late payment in XX/XX/2023. Equifax is reporting the late payment in XX/XX/2023, and XXXX is reporting the late payment in XX/XX/2023. Which are all incorrect and inaccurate dates with all XXXX bureaus I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payments from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax fail to remove the old address on my report which I stated to them to remove the information on my report, its still on my report. They refuse to move the items off my report thats against my rights.
Product: Credit reporting or other personal consumer reports

Upon checking my most recent consumer report I found that these accounts ( XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ) have all been charged off, which makes them certificates of indebtedness, meaning they are now considered income and income is not permitted to be listed on a consumer credit report. These accounts ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) are listed as OPEN collections. These accounts are erroneous and inaccurate due to them being reported as open and I the consumer have instructed the companies to cease and desist All communications with me through any and all mediums, this includes my consumer report. The companies have also been trying to collect by extortionate means and these accounts must be deleted. see 18 U.S. Code 894- Collection of extensions of credit by extortionate means ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 
The following accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) contain transactions and experiences ( utilization and or late payment history ), which is to be excluded from a consumer report. This company also has no permissible. 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS, -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Utilization is an experience. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!
Product: Credit reporting or other personal consumer reports

Subject : Incorrect Address Information on Credit Report - Request for Correction To Whom It May Concern, I am writing to file a formal complaint against Experian regarding incorrect address information on my credit report. Specifically, Experian has incorrectly listed the following addresses on my credit profile : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX- I have never resided at this address and it is incorrect. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX- I have also never lived at this address. I only cosigned for a car loan for my daughter, who resided at this location 6 years ago. 

Neither of these addresses are valid for me and should be promptly removed from my credit report to ensure the accuracy of my information. 

I kindly request that Experian investigate and correct these inaccuracies as soon as possible. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I tryed getting help because there was money getting taken out that was not me and I got no help and want my money back for the fees they took out
Product: Student loan

My loans were discharged in XXXX XXXX. I have been calling since XX/XX/XXXX and I keep getting the run around to get a refund check date, amount and date of issue.
Product: Credit reporting or other personal consumer reports

I filed a dispute with both TransUnion and XXXX about an account from XXXX and I have contacted them multiple times and filed disputes about this same account to let them know that is not my account, I do not own or never owned a vehicle and I never had services with this company. The account has been removed from my XXXX but not the other two and I would like for this account to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently started looking into my credit and i see multiple accounts on my credit profile I did not authorize, I believe my information was compromised due to XXXX  data breach. I am asking that these accounts be validated and if you find they truly dont belong to me for them to be deleted
Product: Checking or savings account

To whom it may concern, I Bank at 5/3 Bank located at XXXX XXXX XXXX. XXXX NC XXXX. On XX/XX/XXXX I Rented a Car from XXXX XXXX XXXX XXXX  because my own car was in the Shop for repairs. On the day of the Rental I paid XXXX with my Bank Debit Card. I Rented the Car for another 5 consecutive weeks which I also paid for with the same card. Those payments were as follows : XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XXXX - XXXX, XX/XX/XXXX - XXXX, and XX/XX/XXXX - XXXX. The total of these payments came to XXXX. These payments were to be kept on 'Hold ' at the Bank as my Deposit on the Car. I saw these payments deducted from my Account information on each date that I made the transaction because I am set up for Text Alerts every time money is withdrawn from my Account. I also knew that when I returned the Rental Car, XXXX XXXX XXXX XXXX would post the money that I owed for the Rental to my Account. However, at the same time, the Bank was supposed to release the 'Hold ' on all the Deposits I had made which would, in turn, cover the cost of the Rental and clear my Account. The issue is, the Bank posted the Bill for the Rental from XXXX but they didn't release the Hold on all of my Deposits. The Bank also cleared my Account of all the above transactions so that there is no record of any of it taking place in spite of the fact that XXXX XXXX XXXX XXXX has a record of ALL OF IT and the Bank will not return my money. They are claiming that since they don't have these transactions in my Bank Statement, XXXX XXXX XXXX XXXX must have it. I was sitting with the Bank Representative when he called XXXX XXXX XXXX XXXX and itemized every transaction I had made with my Bank Card but due to him not seeing these transactions on any of my Statements, he wasn't able to clear this issue off my Account. However, every time I talk to the CSRs at XXXX XXXX XXXX XXXX, they tell me that the Bank has it because it never left my Account. It was only withdrawn and put on 'Hold ' as a Deposit in case anything happened to the Car. In other words, both parties involved are denying they have my XXXX. This is why I'm reporting 5/3 Bank  because since XXXX XXXX XXXX XXXX has come forward with all of my transactions with them and can prove that they were made with my Bank Debit Card, why then does the Bank itself have no record of these transactions? Why did the Bank erase these transactions from my Bank Statements to cover up the fact that they stole my money. Now they have written me a letter threatening to put me in the Credit Bureau and turn me over to Collections even though they are the ones that caused the problem by stealing my money. There is one more thing that bothers me greatly about this whole situation, XXXX may not be a great deal of money to a Billion Dollar Bank, but it's a XXXX of a lot of money to me. When I called the 'Disputes Department ' of the Bank to try to clear this up and ask them to find out what happened to my money, I got Transferred 3 times and then Hung up on in the end. Does that sound like a good business practice by a company that is claiming to care about their Customers to you?
Product: Debt collection

I sent the the attorneys, XXXX, the firm that is representing XXXX requesting verification of the debt, the original agreement signed by the alleged debtor and other information since this is a debt buyer and not the original creditor. I have not received the original contract but have received unverified billing statements. This is in violation of the FDCPA. They have failed to provide sufficient evidence of the validity of this debt or that I owe XXXX. I sent the first request via certified mail and have sent a second request the same way. Instead, I have received a letter indicating they plan to sue me but have not as of this complaint.
Product: Credit reporting

Reviewed my credit alerts and notice that Transunion removed inquiries from my report and then reinserted them back on my report. I called to Transunion to resolve this situation and they did not want to resolve. My rights were violated under FCRA while I was not notified of any reinsertion of deleted items. I spoke with XXXX reps XXXX saying he was the supervisor named XXXX and he would not provide me the name of the rep I spoke to prior. All I wanted was for them to correct their mistake and remove the inquiries that should not have been reinserted without notification.