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

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompted me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX {$36000.00} XXXX  XXXX XXXX XXXX {$530.00} XXXX  XXXX {$710.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX  XXXX XXXX {$2300.00} XXXX XXXX {$630.00} XXXX/XXXX   XXXX {$470.00} XXXX XXXX  XXXX {$1100.00} XXXX  XXXX XXXX {$600.00} XXXX XXXX XXXX {$510.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX {$560.00} XXXX/XXXX XXXX   XXXX {$350.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX/XXXX  XXXX {$580.00} XXXX/XXXX  XXXX {$340.00} XXXX  XXXX {$3500.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$93.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my outrage over the inaccurate and completely unjustified late payment remarks that have been posted to my account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I demand the immediate correction and removal of these false claims, as they are damaging my financial reputation and are entirely without merit. 

To be clear, I have never missed a payment or been late on any of my obligations with your company. The remark made on my credit report/account that I was late on a payment for [ mention specific month/period ] is a blatant error and is an unacceptable misrepresentation of my payment history. I have always been diligent in making my payments on time, and any claim to the contrary is both false and damaging. 

This unjust remark is not only inaccurate but also harmful, as it impacts my credit score, lending potential, and overall financial standing. The fact that such an error could even occur on your part is inexcusable, and I will not tolerate this kind of negligence. 

I hereby demand the following actions be taken immediately : Immediate removal of the late payment remarks from my account. 
Correction of my credit report to reflect accurate payment history, ensuring no damage is done to my credit score. 
Confirmation in writing that this error has been fully corrected and that no further harm will be caused by this mistake. 
A thorough review of your internal processes to ensure that such a grave error does not happen to other customers.
Product: Credit reporting or other personal consumer reports

I have asked Experian to investigate the inaccurate reporting on my Consumer Report its been well over XXXX  days. I asked them to update my personal information as well to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Closed : XX/XX/2017 ... {$1700.00} This account is not mine. I've never done any business with XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, NH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX , GA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX , GA XXXX ; XXXX / XXXX  XXXX Balance : {$640.00} ; XXXX XXXX XXXX Balance : {$18000.00} ; XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 .
Product: Credit reporting or other personal consumer reports

Hello, I am sending this due to the violations towards this company. This company has ignored my consumer rights and laws for years. I wanted to give up but I have to keep fighting. 

I explained the information on the Bankruptcy they are reporting is inaccurate. They respond is we will not investigate anymore or send back verified. 

When I told them about their lies. Now all they do is ignore me or just computer generate verified They has damaged my credit report by lieing on third parties. 

I want their Method of Verification from all parties they verified this information is correct.

Names Phone numbers Addresses After all this investigation laws I have followed are. Other times I have placed a complaint was on 2022 and 3/11/2024 15 U.S.C 1681 ( b ) permissible purpose of consumers reports 15 U.S.C. 1681 ( T ) relation to state law 15 U.S.C 1692 ( E ) false or misleading representations These laws mean some I need answers and fast answers to why they have not followed the The StatuteThe specific section of the FDCPA at issue is 15 U.S.C. 1692c ( b ). In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent. 

Experian
Product: Credit reporting or other personal consumer reports

The account XXXX was sold but still reports a balance. I know that reading my credit report JPMCB says that the account is a charge off, which is debt that has been discharged and you took a tax write on. After contacting the IRS, they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the IRS, and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so I can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681eb by reporting information that's not 100 % accurate. The IRS directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP would not want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. See attached credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations.

Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction.

Drawing from my research and complete comprehension You nor any entity is permitted to keep any non-compliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the 426- character format fielded P6 statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated 386 pieces of confirmation to collect. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, XXXX, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Name of Alleged Creditor : XXXX - XXXX - I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist WESTLAKEFI - 2239**** - I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence. 

INQUIRIES TO BE REMOVED : XXXX XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting.
Product: Checking or savings account

XX/XX/2021 {$3500.00} transferred using XXXX. 

I received the fraud text and a call from Bank of America. 
I noticed {$1.00} that was taken out without my consent. 
They also told me that there were {$3500.00} worth of transactions took place, but it won't show on the statement due to the activity taken place at different city with different time zone. 

In order to reverse the matter, they told me to transfer the money through using XXXX to my name with my phone number. 

After taking the action, I called the bank. I found out the whole thing was a fraud. 
I filed the claim right away.
Product: Debt collection

Subject : Formal Notice of Violations and Request for Remediation Dear SW Credit System I am writing to bring to your immediate attention clear violations of both federal and state laws in the manner SW Credit System has handled my credit information. It has come to my notice that unauthorized collections have been reported to my credit report without my explicit consent, constituting a serious breach of privacy and identity fraud. This action violates FCRA Section 604 ( a ) ( 3 ) ( A ) and Illinois Compiled Statutes, 815 ILCS 505/2RR.

Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in FCRA Section 604 ( a ) ( 3 ) ( A ) and Illinois Compiled Statutes, 815 ILCS 505/2RR. I am formally demanding the immediate removal of this unauthorized collection from my credit report, in clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ) and Illinois Compiled Statutes, 815 ILCS 505/2LL. I expect this to be done within 30 days from the receipt of this complaint, as stipulated by FCRA Section 623 ( a ) ( 8 ). Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences.

Additionally, I want to make it clear that any action taken by SW Credit System besides deleting the collection will be considered willful non-compliance. I am invoking my rights under 15 U.S. Code 1681b ( 2 ), and I am giving clear instructions to furnish my report and delete the collection account. Failure to adhere to these instructions will result in further legal action.

Moreover, I insist on SW Credit System providing a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section 604 ( a ) ( 3 ) ( A ). 

This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights. I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report.
Product: Checking or savings account

Iam being charged XXXX $ per transaction on top of the actual transaction fee which is outrageous. They are taking over XXXX $ XXXX from me.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has recently raised concerns about Equifaxs failure to properly investigate consumer disputes. In fact, a lawsuit has been filed alleging that Equifax has violated consumer protection laws by not fulfilling its obligations under the Fair Credit Reporting Act ( FCRA ).

As per federal regulations ( 15 U.S.C. 1681i ), Equifax is required to conduct a full reinvestigation of disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Failing to do so is a direct violation of federal law. 

I am disputing the following negative entries on my credit report : XX/XX/XXXXXXXX - {$0.00} XX/XX/XXXX - XXXX XXXX {$3300.00} Even after multiple disputes and my submission of all required documentation, these items remain unverified. This inaction has caused me financial harm and unnecessary stress. 

I have a right under the FCRA to an accurate credit report. Please take the necessary steps to resolve this matter immediately.
Product: Credit card or prepaid card

PayPal has received refunds from XXXX for the returns I have made, and refuses to send the refunds to my XXXX XXXX XXXX XXXX MasterCard which I used to pay for my purchases from XXXX through PayPal. Instead, PayPal has put the three refunds for the total amount of {$210.00} into their bogus " Balance '' account and is trying to force me to take one of their debit cards with that amount on it as my only option to access my refunds. It is my money, but PayPal is sitting on it and is dictating how I should use those refunds. PayPal offers no option to request a transfer of that bogus " Balance '' back to my credit card which they should have done in the first place according to their own stated policy.

Today I wasted over 4 hours online on their Chat board trying to fix this issue, but they kept changing their agents every few minutes and kept giving bogus arguments as to why the refunds belong to PayPal and not me -- they repeatedly said the funds used to pay for the purchases came from the Balance account and not my credit card, which is totally false. Even if they came from " Balance '' account, what was the source of the funds in the " Balance '' in the first place if not from my previous transactions with my credit cards? This is the question they refused to answer every time and the  agents kept disappearing instead of answering this simple question. I have used this new credit card 13 times over the last two months to make purchase from XXXX through PayPal, and XXXX has processed 24 transactions for these purchases ( XXXX breaks purchases into separate shipments and charges my card for individual shipments on their own ) and the total of their charges on my card is {$2400.00} which exactly matches the total sum of my orders, indicating that every single XXXX for these purchases came from my credit card -- not a single XXXX came from PayPal 's bogus " Balance '' account. This is just a big new scam by PayPal. 

It is worth mentioning that I have no other financial relationship with PayPal -- I have no PayPal debit or credit cards, nor had I had any in the past. Every single transaction I have had with PayPal since PayPal was created has been through my own credit cards and bank accounts. Moreover, I have had many refunds from XXXX through PayPal in recent times, but now PayPal has started to play games with my refunds.

I would attach four photos I have taken of the PayPal webpage to document the refund transactions in dispute.

The attached photos indicate the date, amount and the transaction IDs for the refunds and what PayPal did with those refunds. PayPal should have no problem in identifying my account and spotting these transactions. 

Thank you so much.
Product: Mortgage

PMI Cancellation : I paid the balance of my mortgage down to below 78 % loan to purchase price on XX/XX/XXXX. I was informed when I had paid the mortgage down to 80 % that i needed an appraisal to cancel PMI, or if I paid it down to 78 % it would go away immediately. Since then, I have been educated on the Homeowners Protection Act. 

A PMI payment was withdrawn on XX/XX/XXXX. I contacted the company on XX/XX/XXXX, and they said I needed to put in a formal request, which they did at that time. They said it could take 3-5 business days. Between XX/XX/XXXX and XX/XX/XXXX, I followed up again, and was told my request was pending, and I received inconsistent information on how long it would take to process. I did not record the date for this call as I thought they were working with me at the time. 

I followed up on XX/XX/XXXX, and was then informed it would take a month from my request on XX/XX/XXXX. I asked for confirmation as I had been told 3-5 business days multiple times before and they refused to send any written confirmation. They told me to send an email, which I've attached. I was not contacted. 

On XX/XX/XXXX, another PMI payment was taken out of my escrow account. I called on XX/XX/XXXX, and they said someone would call me in 24 hours. Nobody contacted me, and I followed up on the evening of XX/XX/XXXX, and I was told that the automatic cancellation was not 78 %, it was 75 %, which is inconsistent with the Homeowners Protection Act and my mortgage documentation. They also told me my LTV was at 79 % in their system, when it has been at 77.99 % since XXXX, and shows at 77.99 % on the customer portal. I asked the representative what they were showing as an outstanding balance, and the amount he told me was the correct outstanding balance, which equated to 77.99 %, but he still told me my loan was at 79 %. 

They refuse to let me talk to a supervisor, they refuse to call back. I believe they are intentionally giving me a difficult time, conflicting information and ignoring me because I have called so many times on the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified public record listed below is still reporting on my Experian credit report in violation of federal law. I'm telling you once again that I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 

XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/2016 Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So for the last year, I have been sending you documents and documents to each of the credit bureaus ( Transunion, XXXX, XXXX ) regarding my name, address, and phone number is incorrect on my credit file. Because of this, I've lost deposits on homes, the ability to obtain business and personal loans, credit cards, and employment. I want you to correct my name and address on my credit file.. I am also seeking damages for lost income and lost the ability to obtain housing and consumer credit. My correct name is XXXX XXXX. I've never gone by any other name or variation of my name. Any attempts to procure credit under my name is fraudulent. My identity has been stolen multiple times and many variations of my name have been used. My Name is XXXX XXXX this is the only name I go by. My XXXX address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX  XXXX XXXX, XXXX  XXXXXXXX XXXX XXXX XXXX XXXX. Please remove any other name or name variations and addresses or address variations from my file. Only leaving the aforementioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regards to a collection equifax is reporting from XXXX XXXX XXXX ref # XXXX. I have reached out to XXXX XXXX to find out what this is they said they have no record yet Equifax is still reporting even after asking them to investigate this issue. They have failed to do a reasonable investigation to ensure maximum accuracy.
Product: Debt collection

This company has been attempting to collect on this debt for nearly 11 years now. I had a 2nd Mortgage with XXXX XXXX XXXX, which became Nationstar Mortgage. This company apparently collects for them. They have been continually sending correspondence offering settlement amounts, below what the full balance is, with incredibly short deadlines, like 2-3 weeks. When you call with " cash in hand '' to try and take advantage of the last offer, they always advise, that the offer was no longer good and say you have to pay the full amount of {$7800.00}. But in one of the calls, they learned that my home is nearly paid off and as a result have not been willing to take any sort of settlement. They allegedly sent a letter in XX/XX/XXXX, advising they were now going to be charging interest, going back to the time they obtained they loan I never received such correspondence ). In XXXX of XXXX, we received an offer letter for {$1500.00} ish off the full amount of the loan of {$7800.00}. MY wife and i decided to try and take advantage of this and started to refinance our mortgage, so we could do this. The load was not completed in time, due to questions on lien holders on the house. Long story short, when I contacted XXXX in XX/XX/XXXX, to ask for a payoff letter, I was expecting to get on showing the {$7800.00}, but instead they sent a pay off amount of {$13000.00}. Once again, when I am able to give them a payment, based on a letter they sent with an offer, they moved the marker again. I feel they are not acting in good faith to settle/collect on this debt in an ethical manner, as they keep changing the amount they want every time I have called over the years to pay them. They have never sent any notification of any other amount owed other than {$7800.00}, until I ask for a payoff, to change my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX should not be reporting that I am ( 120 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit card

After I paid off my entire Balance, not just the statement balance, but the entire balance, Chase still charged me interest saying I owed it on previous purchases. I had no understanding that this was how this worked at all. They are refusing to help me at all resolve this. I made my payment early, and paid off the entire credit card, down to zero. 

In the past Chase has happily refunded me any interest charged after I had paid my balance to zero. The representative also lied to me and said they never refund, when they have in the past. In the past it was also never explained to me that this charge was this daily interest that Chase must charge their customers on their credit cards. I have actually never even seen this happen before outside of Chase. It is extremely deceptive practices.