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

I have contacted all of the credit bureaus, Midland Mortgage, MIDFIRST Bank and CFPB MULTIPLE TIMES OVER THE LAST THIRTHY DAYS. I realize that I am impatient but the application for both improved term and rate on 15 year VA IRRL refinance is time sensitive. 
It is apparent that none the agencies which are reporting inaccurate credit information on my credit file are reacting to my inquiries, as my Beacon score has reduced by 13 points in the last two days despite my total indebtedness decreasing by {$140000.00} or 27 %. 
This is a function of Midland Mortgage reporting my mortgage as 60 days late during the forbearance period permitted in XXXX and XX/XX/2020 and at the same time failing to appropriately report the closing and payoff of my {$140000.00} for 52 days after the payoff due to their sloth, malfeasance or both. 
I have called Midland Mortgage, XXXX, XXXX, and XXXX at least seven times in an effort to rectify these errors and all parties lay it at the feet of Midland Mortgage and MIDFIRST Bank who have refused to contact the credit reporting agencies directly to correct their errors.
Product: Debt collection

Due to working for a company that shut down I am a XXXX year old man without a job and within 3 weeks of living on the streets. I managed to pay all of my debts except for one remaining cable bill. The company I owe is XXXX XXXX. I owe them XXXX for my last months cable bill. I am getting daily calls from the collector. They always call and hang up when I answer which forces me to call them back at which time they go into their spill about attempting to collect my debt. The way they do this is tricky because they always call and hang up causing me to always have to call them back. It 's a form of trickery and I am tired of getting called daily and being hung up on. I am trying to find a job so I always call a number back to make sure I am not missing a job. I received a usual call yesterday X/X/17 mid morning. I explained to them nicely that I would try to make a payment by the end of next month and a fellow who calls himself " XXXX '' said that was n't good enough and I will have to do better or the calls will continue. I received another call today from the number XXXX, the usual hang up when I answered. I called the number back and it was XXXX again. I asked him if I was going to continue getting these harassing calls everyday, he said yes unless I resolved the debt. I admit I was furious, towards the end of the conversation he said something like " You do n't care about your credit '', you can actually verify what he said because it was being recorded. I did call his company which is Central Credit Services, LLC, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. Toll Free # XXXX. I called the number and again actually got XXXX so it must be a very small company. I asked him to speak with a manager and he said they were all busy right now, I asked if the company name was the above company and he did n't want to tell me. Again, I assume I was being recorded so you can verify this. He finally placed me on hold for a manager and after a long period of time came back on to say all the managers were busy and I would have to try back another time. I understand I owe this debt. I am XXXX years old and have paid my cable bills for over 40 years with never a problem until I lost my job and can not seem to find one. I am scared I am a few weeks from me and my wife being on the streets. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and now have an XXXX XXXX so this is going to be very tough on me as well as my wife who has a XXXX XXXX. I realize my personal situation does not matter, but just so you know where I am coming from. I hope to resolve this all soon, but am certain the collection calls will continue. Thanks for your help. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple fraudulent inquires on my account that I need removed. 

I have sent multiple dispute letters in to report the fraud. I have contacted the credit bureau as well as the creditors. 

The inquiries are : XXXX XXXX XX/XX/XXXX Bank of America XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX Bank of America XX/XX/XXXX Bank of America XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent an investigation request to Equifax. They are supposed to respond with the results within 30 days, but they have not. I sent similar requests to XXXX  and XXXX XXXX, and they have already responded with the results weeks ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX
Product: Debt collection

I have been receiving multiple calls a day from Cawley & Bergmann I have continuously advised the different representatives to put me on there do not call list and do not call me anymore this is not my debt, the debt collector continuously call and On XX/XX/20 I received several calls from the same debt collector after Covid 19 and the President of United States stated to cease all debt collector calls during this Pandemic. This is not my debt and I have lost my mother in the wait of this Pandemic, I am going through tough times and to continuously have a debt collector call my number I am mortified and appalled that this company Cawley & Bergmann does not have any since of direction, consideration and empathy for what is going on in the world.
Product: Vehicle loan or lease

I have sent multiple letters to all three credit bureaus and Santander Consumer USA in regards to the charged-off collection account that is reporting on my credit report. The court ruling that issued to Santander in XXXX due to their unlawful lending practices. Based on those rulings, this account should be removed from all three of my credit reports immediately. I reside in XXXX  and use to reside in XXXX XXXX which makes me eligible for this account to be removed. I have attached supporting documents with this compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove all negative items listed in my report that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX CT XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX Balance : {$500.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX {$0.00}
Product: Consumer Loan

I recently attempted to purchase an item on eBay. I tried to pay for the item using my PayPal Smart Connect which had a credit line much higher than what I was purchasing. PayPal would not allow me to pay because as I discovered in a later phone conversation with PayPal, the seller was not set up to accept PayPal Smart Connect. 

In discussions with both eBay and PayPal I was told they could not identify which sellers accept PayPal Smart Connect. In other words a buyer can not find this out until they are at the checkout and have already won the auction. The sellers also appear unable to tell if they can accept PayPal Smart Connect. ( I 've personally surveyed over XXXX so far ). 

I supposedly have a credit line of over {$1700.00} which PayPal supposedly wants me to use. What good is a credit line if I ca n't use it? I feel this at the least an unfair way of denying me a loan or deceptive practice and at worst fraudulent. None of PayPal 's Credit representatives could give me a straight answer and eBay ca n't help either. Meanwhile I 've been humiliated and a seller will needlessly have to re-list the item.
Product: Mortgage

We started the refinance process on XX/XX/XXXX with our current mortgage company, NewRez, LLC. We completed all necessary documents by XX/XX/XXXX. We submitted all documents requested in an extremely timely manner. We paid {$750.00} for an appraisal that was completed in XXXX with report sent to New Rez on XX/XX/XXXX. Since that time it has been one email after the other about why the closing is delayed. This has been 4 months and the closing was scheduled for tomorrow and they just canceled it again, no reason given. I have wasted months on this. Please look into this very unethical business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022, I no longer have any student loan accounts with XXXX XXXX. The balance should be reporting as -0- on my credit report. Their information is as follows : XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX The total of all loans was {$140000.00} but should now be reporting -0-. They are reporting my loans incorrectly and this is hurting my credit score. Please investigate and remove from my credit report as soon as possible.
Product: Debt collection

I have a collection on my credit report from Williams & Fudge. I paid the school directly and I called the collection agency to get this out of my credit report and I have n't seen this remove. I have called them and left a message and sent them emails about this as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I SENT CERTIFIED LETTERS TO ALL XXXX CREDIT BUREAUS, XXXX, XXXX, EXPERIAN AND XXXX XXXX XXXX REPORT. I SENT DOCUMENTS SHOWING MY CURRENT ADDRESS AND CORRECT SPELLING OF MY NAME, ALSO INFORMATION ABOUT ALL INACCURATE INFORMATION BEING REPORTED ON MY CREDIT REPORTS. NONE OF THE BUREAUS HAS SHOWN ME PROOF THAT THEY REACHED OUT TO ANY CREDITORS TO SHOW WHAT THEY REPORTED WAS TRUE. THEY LIED SAYING ITS VERIFIED AND WHEN I CALL THE COMPANIES, THEY SAY DIFFERENT.THERE ARE MULTIPLE ACCOUNTS I NEVER GAVE WRITTEN CONSENT TO, ACCOUNTS HAVE BEEN PAID, ACCOUNTS ARE REPORTED WITH WRONG AMOUNTS AND ARE OUTDATED. LETTERS WERE SENT FROM THE BANKRUPTCY COURTS TO PROVE JUST CAUSE. THESE CREDIT BUREAUS REFUSE TO RESPECT MY RIGHTS AS I ASKED FOR THEM ALL TO CEASE AND DESIST REPORTING INACCURATE INFORMATION WITHOUT MY WRITTEN CONSENT AND TO DELETE EVERYTHING THAT IS NOT ATTACHED TO THE CORRECT INFORMATION, ALOT OF COMPANIES ARE PULLING MY REPORTS THROUGH THIRD PARTIES THAT I HAVE NO CLUE AS TO WHY. THIS IS CAUSING HARM TO MY CREDITWORTHINESS AND CAN BE CONFUSED WITH MY CURRENT INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Visa Card is supposed to help consumers build credit. Recently while checking my credit I realized that my account was a showing a balance. I was upset because I have been paying my bill in full for the last couple months before the due date. When I inquired with XXXX Visa they told me it doesnt matter if I pay my bill on time they report your current balance. He suggested that I dont use my card until after the XXXX of the month. How can they report a bill that I have not received? Why are they not reporting that I pay my bill in full? This company is a complete joke for repairing credit!!! They are simply ridiculous!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$660.00}, {$1600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2013 with a balance of {$660.00} -This is not my account. 


-- OTHER ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/2013 with a balance of {$1600.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

TransUnion has released personally identifiable information in their data breach including my drivers license information and number, previous residential addresses and most importantly my social security number. This information has been shared across multiple channels and attempted to be used in credit inquiries etc. TransUnion unlawfully assured me my credit freeze was placed on my report prior to this event when my credit profile was not secured and my information was stolen. In XX/XX/2022 I was forced to obtain a cosigner on an apartment I was initially denied approval due to rental information that was never shared with me after checking my credit profile and requesting information on potential rental history. The name of the third party that was providing the inaccurate information was withheld from me and I was forced to use a cosigner to obtain housing despite having XXXX credit score and making the necessary amount with 2 jobs.
Product: Credit reporting or other personal consumer reports

To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data in a consumer 's file be documented and validated before it can be used by creditors, so I take this seriously! The allegations of delinquency and derogatory behavior against me are false. I will fight back with all my strength! Your report accuracy is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what is being said. You are required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, as this is required by law ( FCRA ) as well as reporting standards XXXX XXXX. However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately, or else there could potentially be serious consequences I'm giving you 30 days from the date of this letter to resolve this issue, otherwise there could be consequences. I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case. 

In accordance with the Fair Credit Reporting Act, I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : GS Bank USA ( 4 ) The creditor 's failure to accurately reflect a payment made by the obligor or credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement.

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the above linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late - a sign of an invoicing error - therefore.

I humbly request that the subsequent entries be promptly updated on my consumer credit report to reflect their current status as follows : " PAID AS AGREED ''
Product: Debt collection

The company is currently furnishing false and misleading account information to XXXX XXXX, XXXX, and XXXX for an alleged debt which I am not liable for. I never entered into any contracts with the company. I am personally experiencing damages and my livelihood is being affected daily due to the company 's actions.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX - XXXX - XX/XX/XXXX - {$950.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$590.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$5400.00} XXXX XXXX XXXX - XX/XX/XXXX - {$9700.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$16000.00} Bankruptcy - XXXX - XX/XX/XXXX - {$00.00}
Product: Debt collection

I been tryin to get fix this matter for sometime now.And I explain to the company that it wasnt mine and I had no Knowledge of this matter ever
Product: Debt collection

Sequoia Financial Services initially appeared on my credit report in XX/XX/XXXX with an opening balance of {$1400.00} for money they claim was owed to The City of XXXX XXXX. 

I was never provided any documentation informing me what was being charged or for what periods. I did have Utility services with XXXX but once I left the area I close my account with them in the year XXXX leaving a XXXX balance.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and the tracking this transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers what has also allowed to repeat offenders to exploit the system leaving users vulnerable to scams. The lack accountability and transparency is unacceptable and raises serious concerns about consumer safety.