23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I tried to pull my Equifax report at annualcreditreport.com. went thru the entire process to and then was kicked off the system. I went back in to try again and it told me I already pulled one as of todays date and cant get another for 365 days. There is no person to talk to at annualcreditreport.com and no one would help me at Equifax. they just referred me back to annual credit report.com 's XXXX # where you cant talk to anyone and said its just what it says I have to do. Horrible waste of time
Product: Money transfer, virtual currency, or money service

I requested Paypal close my account XXXX times and they still have not done so!!!! I don't want it anymore, every time I buy something I end up getting ripped off and am not shopping online anymore it is not safe there are so many thieves nowadays and those trying to scam you!!!!! I don't need this service and want it closed and an email sent to me stating it has been closed for my records!! I won't be reopening it again!!!!
Product: Credit reporting

I disputed the following collection accounts below directly with Experian twice and with XXXX XXXX XXXX. All three times, my disputes were ignored and a proper investigation was not complete. This leads me to believe the accounts are not mine. I even submitted this same dispute to XXXX and the accounts were deleted no problem and attached a copy of them being deleted from XXXX as proof. I also included my dispute letters to Experian and to XXXX. 

XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

On XX/XX/XXXX an associate from L J Ross Associates called me stating I owe a balance of over {$1000.00} that was sent from XXXX XXXX XXXX! I explained to the associate i did not have any debt with either company and she should not call me demanding a payment! The associate disregard my response and continued to tell me I owe this balance and continued to repeat the last four digits of my social security number! The associate also told me I need to pay this balance or a legal action would be taken and disconnected the phone line. I've sent a letter to L J Ross Associate 's on XX/XX/XXXX and have not received a response in regards to my letter! Under section 15 U. S. C 1692b ( 2 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes debt! I am demanding that all phone calls be terminated and I am paid XXXX per violation of this company!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

The unverified accounts indicated below continue to report on my credit report in violation of federal law despite numerous written requests. The three credit bureaus never responded to the letter I wrote to them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) must be followed while validating these accounts. In the event that they do not verify these accounts, I will file a lawsuit against them. Please abide by the law in order to quickly address this situation. 
XXXX XXXX XXXX XXXX XXXX XXXX  : {$12000.00} ; XXXX XXXXXXXX XXXX XXXX {$6900.00} ; XXXX XXXX XXXX XXXX {$2400.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX XXXX Balance : {$55000.00} ; XXXXXXXX XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$5600.00} ; XXXXXXXX XXXX XXXX : {$6100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'am a victim of idenity theft I'am including attachments which are FTC report, Equifax XXXX breach, and the letters I sent the bureaus.
Product: Consumer Loan

one main finance company has continue to call my jovb, have automated calls come through more than XXXX times a aday, leave messages on work answering machine, calling my contacts harrassing them, ask not to call job several times
Product: Credit reporting or other personal consumer reports

Fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX My information XXXX have been impacted by the XXXX XXXX Breach and XXXX XXXX breach XXXX have got into the hands of the wrong person 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the Banking system ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Under The Doctrine of Estoppel by silence, Engelhardt V Gravens ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report this account XXXX XXXX even after notification that the account is not mine and not accurate. Since XXXX XXXX they could not produce any evidence that I signed an agreement I filed a lawsuit against them and XXXX XXXX please see attached so this account needs to be deleted or I will add the consumer agencies as a party to the filing due to your causing damages by reporting this information while we are currently litigating this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was XXXX to XXXX, XXXX and forward XXXX to a hostile zone ( orders attached ) during that time XXXX XXXX XXXX reported that I had been late for a {$12.00} dollar credit card bill. I was not aware nor able to know that the bill was past due since I had no form of communication and did not receive a letter. In XXXX, the National Defense Authorization bill included updated language in the FCRA which " extends consumer credit protections to active duty armed and uniformed consumers to dispute adverse actions or inaction on their credit report that occurred while they were in a combat zone, aboard a U.S. vessel, or away from their usual duty stations. I had requested through XXXX XXXX XXXX to remove the item and through XXXX and XXXX and transunion however they said that the bank verified it was valid. the credit bureaus did not take into account the new updated fcra guidance and solely went off of what XXXX XXXX XXXX had reported to them.
Product: Credit reporting or other personal consumer reports

FICO scored XXXX XXXX points without a change to credit reporting accounts on Equifax and XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) I disputed this account XXXX XXXX XXXX account on XXXXfor the reason of being inaccurate should not be on credit report inaccurate reporting Experian completed there investigation on XX/XX/year>. I am requesting a description of the procedure that was used to determine the accuracy and completeness of the information that I disputed. Who did Experian interview regarding this account? How did you come to this determination? 
I have submitted this information multiple times they comeback and verify accurate with no information attached to show how it was verified or through whom I speak with national credit systems as well in which will not help transfer me to voicemail
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is showing an inaccurate balance owed of {$4000.00}. I disputed this inaccuracies with XXXX, Equifax and XXXX. XXXX XXXX XXXX has verified and certified the furnished information is accurate. I then did my own investigation and determined that XXXX does not own this account anymore. They sold this account to XXXX and charged it off. As a result of that sale XXXX credit lawfully has to update my consumer report to {$0.00} balance. I owe no money to XXXX credit since they no longer have ownership of the account. The FCRA requires furnishers to furnish accurate infomation. The FCRA also requires XXXX credit to investigate disputes. I tried calling the listed number on my consumer report and they refuse to help me because they said they no longer hold the account. This inaccurate reporting is a violation of 15 USC 1681 also since they failed to complete their duty to update the consumer reporting agencies this is another violation and noncompliance with the FCRA. Also when i filed my dispute with the consumer reporting agencies and the dispute was forwarded to XXXX XXXX they verified the inaccurate information instead of doing a reasonable investigation which is another violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to get my credit report from XXXX XXXX XXXX and credit karma but was unable to log in to either with my information. An error with the information is what showed on my screen. I seek a way to manually update a persons information and verify themselves with the credit bureaus so that she has access to my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained twice with no relief. The last time, I didn't hear for more than a month, which I thought was the maximum before they had to correct their entry. 

Ther is a bankruptcy reported on my credit reports which are NOT me. I don't know who or how, but it must be removed.
Product: Credit reporting or other personal consumer reports

Dispute of XXXX Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX etc reporting as a collection items. I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection accounts. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy XXXX in 2018 to be updated and/or removed. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. Sincerely, XXXX XXXX
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 Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 supposed to modify accounts that aren't reporting correctly.

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

XXXX Apartments utilized discriminatory collection practices and did not accept payment from XXXX XXXX for Covid Relief victims. The rental agreement did not include this stipulation in the lease. The rental disbursement attempts that were made on behalf of the consumer were illegally rejected as there were no exclusive indications within the lease that identified such payments were deemed " unworthy '' of acceptance. I was displaced and homeless due to the negligence of empathy and tolerance of XXXX who refused payment from an outside source during a time of national crisis in 2020. After which, they sold my information to a 3rd party, National Credit System who are the current holder of the debt.
Product: Credit card or prepaid card

In an effort to get out of debt and improve my credit score, I did a cash out refinance on my home and used the cash to pay down 3 credit cards. On XX/XX/2019, I made a payment of {$9000.00} to my Bank of America credit card. This left me with a remaining balance of {$3200.00}. On XX/XX/2019, I received an alert email from Bank of America stating that they had decreased my credit limit from {$12000.00} to {$3400.00} effective immediately. No notice or specific explanation. They did manage to tell me that any purchases I recently made or automatic debits may not process and would be returned. This effort to improve my credit score is now futile because this decrease in my credit limit will negatively impact my credit score and my utilization ratio. Immediately after receiving the alert email I called Bank of America and was told that the only department that could make any changes, was in a " back office '' and not accessible to the staff. Only a shady business would say such a thing and treat their customers this way. 
On XX/XX/2019 I received another email from B of A. This one informing me that my statement was available and I had a payment due of {$120.00} and my credit card balance was now {$3300.00}!!! I had made no purchases. I decided to print 2 of my credit card statements. The statement before my {$9000.00} payment and the one after. As per the Credit Card Accountability, Responsibility and Disclosure Act of 2009, my payment was was not allocated as required by law. They did NOT pay off the highest interest rate balances on my card first ( Bank Cash Advances at 21.49 % ) As a matter of fact, they paid very little toward the Bank Cash Advances. They applied the largest portion of my  payment toward my Purchases at 8.49 %. So I am still being charged 21.49 % on a large portion of my remaining balance. This added an extra {$43.00} to my balance due. They are violating the law and think they are untouchable. Apparently being sued by the government for prior violations has not deterred them.
Product: Credit reporting or other personal consumer reports

Someone opened a credit card I my name with Destiny/Indigo. I only found out because I started receiving collection calls and mail from the collection agency. This is not my account and I need help getting the collection canceled and the card taken out of my name. I do not owe this money
Product: Mortgage

I am in the middle of a Loan Modification with Specialized Loan Servicing and now They sent my loan to XXXX WITHOUT SENDING ME A GOODBYE LETTER OR ANYTHING. Now Specialized Loan Servicing is doing the same thing they did before, Trying to say they never received my paperwork. I have the letter of CONFIRMATION FROM THEM SAYING THEY RECEIVED MY PAPERWORK AND IS PROCESSING MY MODIFICATION ANT IT MAY TAKE UP TO 30 DAYS. This letter is dated XXXX/XXXX/2016. SELECT LOAN SERVICING IS NOT BONDED TO COLLECT IN THE STATE OF TEXAS AND NITHER IS XXXX XXXX
Product: Vehicle loan or lease

I have a loan with SANTANDER CONSUMER USA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SANTANDER CONSUMER USA with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONXX/XX/2021, I SENT LETTERS ASKING FOR THE METHOD OF VERIFICATION FROM XXXX, TRANSUNION, AND XXXX. ON AN ALLEGED LATE PAYMENT ON A CREDIT CARD, I'VE HAD OVER 7 YEARS. 

I HAVE PAID AS AGREED AND NEVER BEEN LATE. 

ON TOP OF THAT WHEN I VIEWED MY REPORT THERE WERE A LOT OF INACCURACIES ON MY ACCOUNT, FROM AMOUNT OWED, BALANCE, OPENING DATE, JUST SEVERAL THINGS ARE INACCURATE. 

TODAY ISXX/XX/2021 ALMOST 60 DAYS SINCE I SENT OFF ALL LETTERS CERTIFIED ASKING THEM TO VERIFY THE ALLEGED LATE PAYMENT AND THE OTHER ITEMS THAT ARE INACCURATE ON THIS ACCOUNT. 

ONXX/XX/2021, ALMOST A MONTH AGO I SUBMITTED A COMPLAINT TO THE I have asked for who my alleged late payment was verified. I have not received any documentation with this information. I have paid as agreed and on time every time. I'm asking that documentation been sent to me per my letter providing in detail who verified it and how because I have never been late. 

STILL NO RESPONSE. 

COMPLAINT NUMBER XXXX XXXX XXXX
Product: Checking or savings account

Loyal member for 40+ years. Bank screwed up by double booking a $ XXXX transfer, leaving me overdrawn. Called up saying : " You stole my money! '' They said : " We will review over the next 10 days ... '' We requested a withdrawal from XXXX XXXX for {$29000.00} ( into a retirement account ). USAA recorded TWO withdrawals for the same amount, even though XXXX XXXX only received ONE deposit. This left us overdrawn, with additional taxes being due tomorrow, with no funds available, since $ XXXX disappeared. We called USAA " customer service '' XXXX, asking for help. We were informed that they would review the " disputed transaction '' over the next 10 days (! ) We said that the bank " stole our money '' and couldn't we get some help? The answer was : " Our policies state that we will review this over the next 7-10 days.

Transfers were on 4-10. We learned about the mistake on 4-12. Had two customer service calls on 4-12 and an additional one today on 4-14. No help whatsoever.
Product: Credit reporting or other personal consumer reports

I sent a Complaint via CFPB on XX/XX/year> to the credit bureaus requesting that the XXXX  XXXX Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I XXXX XXXX XXXX the consumer, notified TRANSUNION, XXXX, & XXXX ( The CRAs or Credit Reporting Agencies ) that Im a victim of identity theft. I have proof and evidence the CRAs received my communication. The CRAs are willfully reporting unvalidated unauthorized items on my consumer report. The person furnishing this misleading information has no permissible purpose to do so. The CRAs failed to block the information I filed with the FTC and sent me correspondence stating the information inside of my identity theft report has been investigated and proven to be accurate, verifiable and will continue to report as such. Pursuant to 15 USC 1681d ( b ) Im requesting the nature and scope of the investigation the CRAs used to verify this information. Pursuant to 15 USC 1681i ( A ) ( 6 ) ( B ) Im requesting a DESCRIPTION of the procedure used to determine the accuracy and completeness of the information. This shall be provided to me by TRANSUNION, XXXX, & XXXX. Ive already contacted the furnishers of the fraudulent reporting. All furnishers have failed to provide the validation of the alleged debts being reported on my consumer report. The furnishers will face litigation for failing to delete the information Im clearly and conspicuously stating is fraud. Im NOT requesting the business name, address, telephone number of the furnishers because I already have that information. Im requesting the scope of investigation and the DESCRIPTION of the procedure used to verify this information. The CRAs know or should know that they cant use the information inside of I, the consumers file prior to the block request to verify information reported as identity theft. Pursuant to 15 USC 1681c-2 ( c ) ( 3 ) the presence of information in my file prior to the notice of identity theft is not evidence of verification.