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

The lender is   XXXX   which is not reporting the correct balance and that is effecting my credit score significantly.
I opened an investigation with   XXXX   XXXX   and they did n't change the balance saying the balance was correct because the lender said it was correct and the case was closed with the same incorrect balance on  XX/XX/XXXX , the case was opened on  XX/XX/XXXX .
The balance is   XXXX   as of  XX/XX/XXXX  in my credit report but as of XX/XX/XXXX  the correct balance is  XXXX  I called   XXXX   XXXX   and complained to   XXXX   which claim was a supervisor on  XX/XX/XXXX at   XXXX   XXXX    XXXX  and asked him why   XXXX   XXXX   is reporting a false balance and he said because  XXXX  said it.
I told   XXXX   it was insane to report the same balance 3 months after the account was opened and that they needed to be honest but he said wo n't change the balance and period.
I asked why the screenshot that I submitted within   XXXX   XXXX   dispute section was not presented to the lender -  XXXX  and  XXXX  said they do n't use screenshot so I asked why they do do n't ask about my balance sheet or payment record from   XXXX   and he said they do n't do anything other than ask the balance and whatever the lender say that is what is going to be in my report no matter what I say.
The government should have a law that ensure the report is accurate because the financial damage that a false report cause to consumers is extremely devastating.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in connection with data breach with Equifax.. I signed up to get notices if anything unusual happened with my credit on XXXX XXXX, 2017. I have received 3 texts from Trusted ID telling me there is some suspect activity. I tried calling the number they sent only to get a constant busy and then on hold for over 2.5 hours!
I then tried on line and was unable to get through on line either. Then, I tried to get my free credit report from Equifax only to be told it was unavailable. How am I supposed to protect my credit that they exposed if I ca n't even find out what the credit breach may be? I am beyond frustrated and worried about what may be happening to my excellent credit. Please help!!
Product: Money transfer, virtual currency, or money service

I have an account at Paypal and I am constantly getting fraudulent requests for payment. There is no easy way to cancel these requests, and Paypal keeps saying it will automatically pay the fraudulent requests if I I don't cancel immediately. I try to report these to Paypal as scams, but 1 ) to report them, it logs me out every time ( there is no real way to report since it automatically logs you out to do so, 2 ) The virtual assistant keeps freezing up when you use the word " scam '' or " fraud '', and 3 ) it won't permit me to block these accounts because it says I have to send them an email letting them know that I want to block them ... there is NO BETTER way to get scammed than to let them contact me on Paypal with fraudulent requests THEN SEND MY EMAIL ADDRESS TO THEM. This is conduct that is facilitating a fraud and you should hit Paypal with a massive fine for this conduct.
Product: Money transfer, virtual currency, or money service

XXXX I sent $ XXXX XXXX XXXX to XXXX XXXX XXXX XXXX, to my friend XXXX XXXX XXXX ( I have done this many times but not so much as this time ). When she went to bank to get money they refused to give it to her. Saying there was a scam. Money gram says transaction was completed. When I called moneygram they said nothing about a scam. I have filed claim with money gram. They are investigating which may take 90 days. The bank has the money this is fraud. Maybe you can contact moneygram to get money paid to my friend. She is in the XXXX XXXX in XXXX. 
money gram transaction number XXXX a little push from you now may moneygram to contact the bank get release of money I would appreciate your help now, Thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has incorrectly reported our mortgage loan balance as increasing to TransUnion and XXXX for two months in a row. 

On XX/XX/XXXX XXXX XXXX incorrectly reported a balance increase of {$540.00} from {$75000.00} to {$76000.00}. 

On XX/XX/XXXX XXXX XXXX incorrectly reported a balance increase of {$1600.00} from {$76000.00} to {$77000.00}. 

The loan balance as of XX/XX/XXXX on the XXXX XXXX page for our account is {$74000.00}. 

This has had a negative impact on our credit report for two months running lowering our score.
Product: Credit reporting, credit repair services, or other personal consumer reports

These addresses are not mine. I have never lived at XXXX XXXX XXXX XXXX Georgia ( this is my sister XXXX XXXX address ) nor at XXXX XXXX XXXX XXXX  XXXX XXXX Georgia this is XXXX XXXX address. Im dealing with identity theft connected to both addresses and the credit bureaus have refused to delete them because they are connected to accounts, but the accounts are fraudulent
Product: Credit reporting or other personal consumer reports

I am filing a complaint with Equifax and XXXX for failing to update my address on my accounts after I disputed and told them that I no longer live at that current address anymore. Equifax and XXXX consistently responds within 24 hours stating that the account is accurate without providing any evidence.
Product: Mortgage

XX/XX/2021 I refinanced my new lender sent the pay off check but they weren't sure that it would get to Mr Cooper prior to my loan due date. I made my payment for that month, because I was told I'd get overage paid back to me. I have been struggling with Mr Cooper since that time trying to get my money back. They keep saying their sending the check and it hasn't been sent. I've gotten my tax information, I've gotten my escrow money but not the $ XXXX refund. I was promised it would be sent overnight on XX/XX/XXXX, on XX/XX/XXXX a label was printed on XX/XX/XXXX, still hasn't left the building. This keeps happening. I want the money due me. They've been holding it for months.
Product: Debt collection

I have paid XXXX on this bill directly to XXXX XXXX so far as I have a payment arrangement with them and this collection company is threatening me for XXXX. I have 2 more payments set up for XX/XX/XXXX for XXXX XX/XX/XXXX or later XXXX XXXX XXXX XXXX *XXXX AutoPay {$50.00} XXXX XXXX XXXX XXXX XXXX Scheduled Cfm # XXXX Show payment details for XXXX XXXX XXXX XXXX XXXX AutoPay for {$50.00} on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AutoPay {$50.00} XXXX XXXX XXXX XXXX XXXX Processed Cfm # XXXX Show payment details for XXXX XXXX XXXX XXXX XXXX for {$50.00} on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX   XXXX XX/XX/XXXX Processed Cfm # XXXX Show payment details for XXXX XXXX  XXXX XXXX XXXX for {$50.00} on XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX XXXX Processed Cfm # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

There is an open balance for the amount of {$1500.00}. That appeared in my Equifax account on today from XXXX XXXX XXXX XXXX. The account was opened XX/XX/2022 ( 4 mos ). The report has never appeared on my credit report. I am unware of the account and believe the account was reported in error. I tried disputing the issue with Equifax and where unable to access my account, or request a password reset. Equifax and XXXX continue to stall in updating my report and consistently place old outdated accounts back onto my account under different collection agencies or are placing accounts that are not associated with me in my report. I am requesting further investigation regarding the issue and are requesting the negative mark be removed asap. I believe unfair practices are being promoted by Equifax and XXXX XXXX and I believe I am a target based on my race and belief.
Product: Checking or savings account

I was charged a service fee on my now closed XXXX checking account ending in XXXX in the amount of {$8.00} to {$10.00}. I disputed the charge by phone and via Regions bank online messaging. I have since that time closed the account. It was not the first time I was charged a service fee for the same account and was able to get the credit back from them. The last charge they said could not be reversed because " It is a one time credit. I opened the account under a promotion that was never honored with the company and I sent them messages concerning the promotional offer of {$200.00} for opening my account. I opened a savings account as well and closed it around the same time as the checking account. I actually went in the XXXX branch to inquire about the service fee and closed my account. 
1. I disputed a service fee of approximately {$10.00}.

2. Inquiry concerning my promotion of {$200.00} which was not honored and they strung me along by saying it is not due until next month and oh you must wait until you have had the account 180 days.
Product: Debt collection

Ive reached out to this company and provided paperwork that this is a fraudulent account. Ive also made multiple calls and spoke to reps and supervisors. I have fraud alerts on my account because someone has been using my information. Upon investigation I noticed that this account has been deleted off my records 4 times and resold. If this collection company doesnt remove this off my records immediately I will be forced to take legal action because theyre in violation of the FCRA and theyre breaking the law. I would like a phone call from the company that says I owe them and I want to know that this is off my records because its destroying my credit. Im giving them one week to respond and get this removed or I will get attorneys involved.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX XXXX fraudulently opened a collections account in XX/XX/XXXX. I live in NY and the statutes of limitations in NY is 3 years. This company opened this collection account which is negatively affecting my credit score, on an account that was closed in XXXX. That is 3 years past the statutes of limitations. I have disputed this account with the company and with all XXXX credit bureaus, yet it is still being reported on my credit report! This account needs to be removed immediately!
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had late payments on a account when i was not late. From the date of my account being open which was XX/XX/XXXX the dates have been inaccurate on my consumer report. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i was not late with payments for this account on XX/XX/XXXX XX/XX/XXXX and upon viewing my consumer report again there was inaccurate reporting on dates. Please investigate and provide proof with statements showing that these late payments were late and furthermore any repossessions and my consumer report having no inaccurate information to the best of their ability with maximum accuracy being reported. The following are inaccurate information on my consumer report ( LAST VERIFIED ) XXXX XX/XX/XXXX Experian- nothing reported XXXX- XXXX reported ( DATE LAST ACTIVITY ) XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX DATE REPORTED ) XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX XX/XX/XXXX XXXX DATE OPENED ) XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX XX/XX/XXXX XXXX BALANCE OWED ) XXXX {$XXXX XXXX  {$XXXX XXXXXXXX {$XXXX ( ACCOUNT RATING ) XXXX- Derogatory XXXX XXXX XXXX ( ACCOUNT STATUS XXXX XXXX XXXX XXXX XXXX XXXX Closed ( CREDITOR REMARKS ) XXXX XXXX XXXX XXXX Nothing Reported Equifax- Nothing Reported XXXX LAST PAYMENT ) XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX ( TERM LENGTH ) XXXX- 48 months XXXX- 48 months XXXX -nothing reported... If proof cant be provided i demand all payments be updated to paid as agreed on time as they should be due to the fact i wasnt late and there are inaccurate information on my consumers report. Thanks! please see screenshots attached
Product: Mortgage

We regularly have trouble with Chase accurately reporting the receipt of mortgage payments on this account. 

Chase made a mistake on our payment last month. 
We sent the payment last month and the bank branch wrongly told us it hadn't been received by the XXXX ( it had ). So we sent another payment. 
Chase then wrongly charged us a late fee for the on time payment and they also listed the second payment a principal only payment. 

The second payment needs to be changed to the monthly payment for XXXX. 
And the late fee needs to be reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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 alleged fraud or extortion. 
XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7300.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent a certified letter to XXXX, Experian and XXXX to have them to investigate items on my credit. I ask of evidence to prove their reporting. I have asked for proof of my signature which none of these creditors have supplied me with. I got a letter saying it was verified and i ask how did they verified with out proof, I also got a letter from XXXX  saying they will not investigate my disputes.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Product: Money transfer, virtual currency, or money service

This is the email I sent to Share Money Company Date Sent : XX/XX/year> at XXXX Amount Sent : {$100.00} Actions taken by me/Company : I kept calling them and sent email. Promising will call back and email until now. No one contacted me, Its me and receiver updating me. Receiver drove to the Remittance office twice and said '' were offline, we can not see that transaction, we need more IDs '' how many valid IDs they needed? Receiver drove 2 hrs just to get this little amount. No compassion company. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : I called few times regarding the transaction I sent last year XX/XX/year> for my family best friend. She came twice to XXXX XXXX and was asked to come back coz its offline and yesterday she came back again saying the XXXX was not existing no more. I called last night in the middle of the night to XXXX  of share money and told me it was pick up already. The receiver family went on vacation last XXXX out of the country and after that when she came back for vacation, someone else pick up. Evidently, a scammer did it or maybe inside job. Its been almost a month that this money should be receive immediately but there was a lot of offline issues or alibi to lure recipient and got scammed. This activity/transaction was reported here in XXXX to Consumer Financial Protection Bureau XXXX 

As a loyal customer for years, I would like to demand an expedite act for this and my money should be refunded to my account ASAP. 

I spoke w agent last night abd said they will call me and waited last night but nobody called or email me. This morning I called again asking for Supervisor/Manager to intervene thr agent alibi was in the meeting. I been on the phone for almost 30mins, no supervisor on duty during my day time call in XXXX XXXX XXXX am not sure if true. 

He said - supervisor is in a meeting. I told him I will wait but he kept insisting I can not wait coz hes in a meeting. Thats a lie! If your company does not have supervisor on the site- u might as well hire or closed your company. 

Its been a month and yet remittance I sent was not receive. Refund my money so were done. The money u promise for minutes took almost a month and stolen or scammed! 

Inline image
Product: Credit reporting or other personal consumer reports

I submitted a request to correct and accurate credit report. XX/XX/year> and I'm still seeing inaccurate information.
Product: Credit reporting or other personal consumer reports

This is not my account, nor am I responsible for the debt owed on this account with XXXX XXXX XXXX XXXX and this should be removed from my consumer report I do not have a contract with them they did not provide me with any original contract as requested in accordance with the FCRA Fair Credit Reporting Act. XXXX XXXX XXXX has violated my rights ; 15 USC 1681 section 602A. 15 USC 1681 section 604A section 2, 15 USC 1681c ( a ) ( 5 ), 15USC1681s-2 ( A ) ( 1 ),
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian to reinvestigate these accounts : XXXX XXXX XXXX  : # XXXX, XXXX  XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case