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

XX/XX/year>, I looked at my report. I sent a letter to experian on XXXX asking them to reinvestigate these accounts XXXX XXXX XXXX XXXXXXXX status XX/XX/year> balance XXXX recent payment XXXX  monthly payment XXXX, high balance XXXX, and XXXX XXXX status update XX/XX/XXXX, past due XXXX, highest balance XXXX monthly payment XXXX they sent me their investigation and said these accounts are complete and accurate. I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Experian really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Product: Mortgage

XXXX XXXX - I made a sales agreement on the brand new house where I live in now. 

XXXX XXXX - When I mad the agreement, I also made an agent agreement with my realtor, and the agreement included that I will get {$1000.00} credit on the closing.!! 

XXXX XXXX - I started a mortgage loan after I got a pre-approval. ( This was right after the day of the sales agreement ). The mortgage company was recommended by the home builder. And I paid the XXXX of earnest money. 

XXXX XXXX - After several days, they told me I had to switch to FHA loan with other mortgage company referred by the XXXX XXXX XXXX, because I have a XXXX XXXX 

XXXX XXXX - I asked the home builder if I can get the earnest money back, and they said " no '' because it 's been approved on conditions. I did n't fully accept the situations and already got a lot of stress at this point, because I felt I had to keep going because the earnest money. 

XXXX XXXX, XXXX - I had a closing for my current house. 

XXXX XXXX, XXXX - I noticed that I did n't get {$1000.00} credit, and asked my realtor right away. 

XXXX XXXX, XXXX - The realtor finally answer this via text : " XXXX, I spoke with XXXX my Broker-in-charge at XXXX this morning. He said because your XXXX credit was n't on your closing statement & disclosed to your lender prior to closing we wo n't be able to pay you XXXX after closing. It 's also a violation of NC license law to pay anyone without a NC realtors license. I apologize for this error & promise to make it up to you on our next transaction. Any questions call me I 'll be happy to discuss it with you further. Also, If you would like to confirm this here 's XXXX contact info : XXXX XXXX, REO Specialist, CDPE, SFR, CDP, ABR, SRES, XXXX XXXX XXXX & SC Broker / Realtor XXXX XXXX XXXX, Broker-in-Charge ( C ) XXXX ( O ) XXXX Email : XXXXXXXXXXXX '' XXXX XXXX, XXXX - I did n't want to get promised for the next transaction, which I do n't know when it will happen. I wanted the XXXX. So, I emailed the lender and the realtor again whether there is any way to fix this. As of XXXX XXXX, XXXX, I have n't heard anything back from them. 

Contact Information for related persons/parties : - Realtor : XXXX XXXX, XXXXXXXXXXXX - Original lender : XXXX XXXX, XXXXXXXXXXXX - Final lender : XXXX XXXX, XXXXXXXXXXXX - Me : XXXX XXXX, XXXXXXXXXXXX
Product: Debt collection

This company has over the past 2 weeks called me several times daily, leaving messages & harassing me when I do pick up. They 've insisted on acquiring my address, my bank account information, my employers name & address, etc & up until today when I called to ask for the address & business name, refused to communicate to me who they were or what they are trying to collect for. Furthermore, I told them to stop contacting me, at which point they claimed they will continue to trace me by contacting all of my relatives and any/all references I 've ever used in the past. They then proceeded to call my ex-husband & my parents & threatened both of them to give any/all information they currently have about me so that law enforcement may find me & put me in jail.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see there is a bankruptcy on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. PRIVACY ACT 1974 states how the credit reporting agencies can not use system methods of any sort to furnish things on my credit. I do not feel that my information is being protected.This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Please remove ASAP Upon speaking to the bankruptcy court, they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood. I can't provide a good life for my children due to these falsified damages from the bankruptcies. I am upset!! You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.
Product: Credit card or prepaid card

I was scammed by a sophisticated pseudo scam thru XXXX and I disputed 17 charges for which they only claim to do an investigation of which they didn't do and then turn around and agreed with XXXX that it was ok for me to be scam of over 90 thousand dollars.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I received notice from my bank, Chase, that they were DENYING payment via XXXX XXXX to two individuals in the amount of {$400.00} and {$500.00}. When I checked my Chase Checking Acct online I found that there had been two XXXX XXXX withdrawals from the account ; one for {$430.00} and one for {$500.00} ... both to one of the individuals previously named in the above " denials ''. Other than seeing those 2 transactions shown as a result of my checking my account online, I received no previous notice of any XXXX XXXX taking place and, in fact, had it not been for the notice of " Denials '' I would likely not have seen that anything was amiss. On speaking to Chase regarding the matter on XX/XX/XXXX, they quickly credited back my {$930.00} and said they would investigate. On XX/XX/XXXX I received a letter stating that they had completed their review and found that the transactions were processed correctly or were authorized and they would be taking the full {$930.00} out of my account!! I called them back to complain and again, stated in no uncertain terms that I DID NOT authorize or participate in these transactions nor did I know any of the names contained therein. They indicated they would reevaluate and let me know by XX/XX/XXXX or thereabouts. Very disconcerting after the many years of being a Chase customer to see that they do not have my back. I have started moving money out of my Chase account as a precautionary measure and may close the account if an equitable resolution is not found. And whatever happened to Regulation E? I thought that was supposed to protect the consumer against major liability in issues such as this? I have removed XXXX XXXX from my Chase Account. IN the past, whenever I have used XXXX to send someone money ( rarely ) I received a notice indicating such a payment had been made and showing to whom ... this time I got zilch ( except for the Chase message of denial as explained above. Chase does say that it denied the 2 payment requests because they " didn't hear back from me ''. Again, I never received any request from Chase regarding these transactions which I find peculiar.
Product: Payday loan

I could n't find an option that best fit my complaint. I took out a cash net loan a few years ago paid it XXXX by now but the first time lost my letter which is my fault. I paid it XXXX XXXX of this year and had them email me a copy of my paid in full. The next day they tried to have me pay it again after harrasing me they got a paralegal involved and she resolved that it was paid and I did n't owe anymore which i have a voicemail proving that. A month later they called my father trying to get him to pay my already paid debt. I 'm XXXX years old and do n't need my father involved on my behalf. I called and resolved it with the paid in full letter. Today I recieved a call trying to get it paid again. This company is harrasing me even though my debt is paid off. Can you please help me?
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 


( XXXX Acct # XXXX ). ( XXXX XXXX, XXXX  XXXX, Acct # XXXX ). ( XXXX XXXX, XXXX, Acct # XXXX ). ( XXXX XXXX, XXXX XXXX XXXX # XXXX ) ( XXXX XXXX Acct # XXXX ). XXXX XXXX  XXXX XXXX Acct # XXXX ). ( XXXX XXXX Acct # XXXX ). ( XXXX Acct # XXXX ). ( XXXX Acct # XXXX ). ( Citi XXXX XXXX ). ( XXXX Acct # 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 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 conviction 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
Product: Debt collection

PLEASE BLOCKED AND REMOVED Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.
Product: Debt collection

Hello, My name is XXXX XXXX. I was first made aware of XXXX debt when I was in the process of refinancing I. XXXX of XXXX I sent a 623 letter to all 3 credit bureaus requesting proof of debt. I never received any information. On XX/XX/2022 the collection charges was added back on my credit for the amount of {XXXX} by XXXX XXXX XXXX. This company is in violation and I would like them to be removed from my credit report immediately. 

Thank you
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my report or someone may have applied for something in my name
Product: Debt collection

I am not liable for this debt with HOSPITAL COLL SVCS XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX I disputed this account with XXXX 3 Times And they keep saying is accurate, I wrote them requesting a method of verification for this account, they said hospital collection services keep saying is accurate and they wont provide them with any verification.
Product: Mortgage

I am unable to find a link where I can dispute an ongoing case and thus do n't want to lose my ability to turn in documents that would support my dispute of actions that the bank, the object of my complaint, purportedly undertook. My case number is XXXX. My name is XXXX XXXX. My email is XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquires that I did not authorize. I have called XXXX and Experian to get them removed and also the companies directly. I went to a dealership knowing exactly what finance company I was going to use in XXXX and without me giving approval they ran my credit through multiple companies and continued to run it months later in XXXX. I am not sure who was trying to buy a car in my name in XXXX of XXXX. 

The companies are : Experian- XXXX XXXX NO Automobile Dealers, New Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Automobile XXXX XXXX Used Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Companies - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Finance/Personal XX/XX/XXXX 2020
Product: Debt collection

On XXXX XXXX 2017 I received a letter from XXXX XXXX XXXX XXXX XXXX ( This company has terminated their business operations on XXXX XXXX 2017. This letter requested I pay an outstanding balance of {$25.00} or they would forward me to Golden State Collections on XXXX XXXX, 2017. I have all the back up material of my visits and the amount I paid for their services. I called and spoke to the only person left in the office on XXXX XXXX, 2017 and she pulled my filed and said I had a XXXX balance which was consistent with my records and with XXXX and XXXX XXXX XXXX. She said I should discard the letter and Apologized for the error. Today XXXX XXXX, 2017 I received a letter from Golden State Collections requesting I pay the {$25.00} plus {$0.00} and must be paid in full within 30 days they will obtain a judgement and serve it to me and report it to the Credit bureaus. I have called them and they have not returned my call. I informed them that XXXX XXXX verified that I did not owe any more money to them on XXXX XXXX, 2017. Please let me know what to do as I always pay my bills at the time of service and XXXX or XXXX XXXX XXXX notify me if I own anything else and I also receive a bill for the excess and pay immediately. H E L P
Product: Credit reporting, credit repair services, or other personal consumer reports

On. A letter dated XX/XX/23 from Equifax it states they are unable to locate a credit file for me. How is this possible if they verified the following accounts as correct? 
This means they did not do an accurate and full investigation into my disputes and still reported them as accurate. 

These are the accounts they verified as accurate without doing an investigation : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit card

Between XX/XX/XXXX and XX/XX/XXXX, I worked a totally of four months. I was struggling to find a job and took what temp assignments I could get. I made every effort to continue to pay my discover credit card. However, when my unemployment extension ended, I was forced to drastically lower my monthly payments to {$5.00} or {$10.00} a month. Discover cashed those checks. I found work, though I am still struggling, because I am the only one in my household working ( my mom 's unemployment ran out ), I continue to pay Discover. Recently, they threaten me with a summons from a lawyer in XXXX, because Discover wants more money than I can afford to pay. This lawyer recently served me with a summons, threaten to garnish my wages and charge me legal fees. I am paying Discover, my checks are being cashed, yet they still retained an Attorney to sue me? This is unfair and is now on my credit report. I have made every effort to pay them, but I am poor and working and Discover demands something that I do not have. Please advise if you can help me or how I can help myself. They are still cashing my checks with this summons that was served for the amount of {$2500.00} that owe to Discover.
Product: Credit card

My XXXX sent a check to pay my balance off on XX/XX/year>, sent a letter asking that payments immediately stop being taken from my checking account and to close my account. Capital One never took the payment and continued to try and take payment from my checking account. Now because of this I am being charged late fees and being reported as late to the credit bureaus. The post office does confirm that the letter and payment was received by Capital One but they are still trying to charge me late fee 's. I contacted Capital One today with my XXXX  who confirmed everything with Capital One but they refused to talk to my XXXX and they said that my account does not qualify for late payment waiver.
Product: Credit reporting or other personal consumer reports

I have been calling and sent letters to XXXX to remove ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX They are not listening. 
Under this law 15 USC1681b ( a ) ( 2 ). It states everyone needs my consent to report anything to my consumers report. Which I never did.

15 USC 6802 ( b ) ( 1 ) Obligations with respect to disclosures of personal information they must have given me a disclosure prior to reporting my information and I couldve opt out from the companies reporting my info. Which I never did get.

.
Product: Checking or savings account

I have checked my account balance online on my app and it has a different amount than what is posted on the app called XXXX. This happen today XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$540.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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



XXXX Violated my rights on a loan on XX/XX/XXXX. It was closed on XX/XX/XXXX. 


15 U.S.C 1681 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 make 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 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. 

15 U.S.C 1681 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 make 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 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. Delete account immediately.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach and request that the following inquiries, which are associated with the breach, be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These provisions entitle me to have fraudulent or unauthorized inquiries removed from my credit report.

Inquiries for Blocking and Deletion : 1. XXXX XXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XXXXXX/XX/year>
Product: Debt collection

In XXXX I was issued a final bill and paid the balance of $ XXXX dollars in a money order to the complex within the 30 days as required. I then began to receive nonstop phone calls from a collection agency, XXXX XXXX XXXX, stating I owed them a balance. This was the same dollar amount and description as the unpaid balance left with the apartment complex. <P/>After going back and forth with XXXX XXXX at The XXXX at XXXX and XXXX XXXX with XXXX XXXX XXXX I was assured this would NOT be reported and it was an error on the apartments that was now under new management. ( Please see the attached email thread ). <P/>It is now over three months since I 've contacted and tried to resolve this issue, and unfortunately this matter has still not been resolved. This was posted on my credit report a week before The XXXX at XXXX forwarded me the email thread between them, XXXX XXXX XXXX and XXXX XXXX XXXX ( please see the attached email ), and it has still not yet been removed off my credit report. I 'm demanding this be taken care of, seeing that this was not my error. The balance was paid in full and I request an immediate removal of this debt off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX, GA XXXX The correct address should reflect the following : XXXX XXXX XXXX XXXX, GA XXXX I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

I received a bill from : Receiveables Performance Management, LLC, XXXX XXXX, phone : XXXX, for {$490.00}, for DISH NETWORK. I called their office XXXX times to dispute this bill. I was put on hold all XXXX times. I was never able to speak with anyone.