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

For the past XXXX XXXX years, I have built my credit to XXXX with no late fees, established credit and below XXXX XXXX  utilization on all cards. 

After working hard to get my credit score in the XXXX 's Transunion dropped my credit to XXXX, dropping my scoreXXXX points for an items they claim dated back from XXXX. This item is not only old, but nothing new was added to this account causing this to be the issue. There were no other justifications to why each time I build my credit up, Transunion takes the points away stating it's from the past ( over XXXX years accounts ) affecting my credit score. 

No one from TransUnion can explain why I have the ability to build my credit score up, and keep building it up - only for Transunion to come and take the points away over and over again due to past accounts that are extremely old. 

Additionally, I am locked out of my Transunion account and told to wait 7-10 business days for the a mailed copy of my report. 

In the past XXXX  months alone Transunion dropped my score XXXX times, just because I used my credit card. I was not late, nor over the balance, or over utilization. I've called several times asking why each time I build my credit score up, why does Transunion drop my score so extreme with no answer. Transunion continues to drop my score, but never gives the actual reason for such a big drop. 

I can not sustain my finances with this consistently occurring. I am asking for a investigation into this as I feel I'm being discriminated against.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, and my XXXX XXXX  name is XXXX XXXX. We had applied for a mortgage loan but later decided that we were not financially capable of going through with it at this time. However, we have been receiving calls stating that we have applied for car loans and house loans, which we have not. We suspect that our information may have been leaked without our consent, as we had applied through All Western Mortgage.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Consumer Loan

Got behind 5 days on my car loan when the calls started. The calls were 4 -5/day and begin around XXXX. When I talked to them, I told them the situation of slowed commissions and explained that I would be back on track well before 30 days. The calls did n't stop, finally I had to talk to them again and told them I had already spoken to them about it and explained the situation. That still did n't stop the calls. The calls come from several different numbers and it has gotten to the point of harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/23 I SENT A CERTIFIED DISPUTE LETTER TO EXPERIAN REGARDING INACCURATE ACCOUNTS ON MY CREDIT REPORT. AS OF TODAY XX/XX/23 THEY HAVE YET TO INVESTIGATE OR RESPOND TO THE DISPUTE LETTER. ACCORDING TO THE FAIR CREDIT REPORTING ACT, THEY HAVE 30 DAYS FROM THE TIME THEY RECEIVE THE LETTER TO INVESTIGATE AND RESPOND.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017 I paid off an old hospital bill with the agreement of it being reported as paid in full. Credit Collection Partners of XXXX  Illinois promised me it would show positive report beginning of the following month. They lied to me. In fact they only removed some of the accounts and reduced one significantly. There was a total of 4 medical bills and showed 3 moved and one reduced. I called them and emailed them and they said it would be fixed. It 's been almost another month and it still reports the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint against Experian. 
I received a letter from the above mentioned company dated forXXXX-18. Stating that the credit reporting agency refuses to re investigate a dispute filed on my behalf. I have previously requested for Experian to provide me with their method of verification for the accuracy of a claimed debt into my credit file. Experian replied to my request with a letter referring me to review my credit report. In which, my credit report does not indicate Experian " METHOD OF VERIFICATION ''. It states who the creditor is and their contact information. That is not a method of verification. There is no person contact name listed in which the debt was verified with and I was not provided with any documentation that was used to verify the disputed information. This has been an ongoing issue with Experian. I am asking for Experian to be investigated for not complying with the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). It is my right under such legal act to be provided with appropriate documentation by the credit reporting agency of verification. It has been over 15 days since my original request and as of today Experian has failed to provide documentation of verification.
Product: Checking or savings account

Someone was able to take money out of my account through XXXX and XXXX XXXX multiple times.Ive seen many people have complaints about this.I was told by the Bank of America representative that I would receive all my money back in two cashiers checks but never did.I received the first names of people that I dont even know.Bank of America never alerted me or questioned the charges.After my account was hit a couple times by the XXXX  app, i dont understand why they allowed someone to hit my account again!!! please do the right thing and refund my money.After much research I see that this has happened to many, many other people. Would like to Settle this out of court but if not then I will move forward with legal action.
Product: Debt collection

This balance was paid on XX/XX/XXXX, over a moth later I disputed this account with all credit bureaus and company reported to XXXX the account in question was accurate when it was n't, it 's paid and should be removed.
Product: Debt collection

According to 15 USC 1692c 805 ( b ) debt collector requires written consent from consumer directly to debt collector or permission of a court of competent jurisdiction for collector to communicate with consumer in connection with the collection of any debt. In addition, i have requested validation of performance and actual accounting. Per postal law, a po box is a non contractual venue which would mean there is no contract. I have also requested a copy of signed contract with both signatures binding both parties. There is also no signature charging the documents. I have requested a " STOP AND CORRECT ''. FOR THE VOIDANCE OF PERJURY I REQUESTED CORRECT SENTENCE STRUCTURE COMMUNICATIONS, PARSE, SYNTAX, GRAMMAR, WITH PROPER NAME.
Product: Checking or savings account

On XX/XX/XXXX my account was overdrawn by XXXX by a payment that was made on XX/XX/XXXX with a date for processingXX/XX/XXXX. The payment is not reoccurring. They decided to take the funds on XX/XX/XXXX leaving me with an overdraft of XXXX. I immediately had someone Quickpay me the {$9.00} that same day at around XXXX. Chase claims one has until XXXX to put ur account in positive or {$5.00} or less in overdraft. At this point my account was only at XXXX before XXXX. This is what chase quoted from the messages I have. The following day they still charged me an insufficient funds fee. They couldnt explain why only that it could not be reversed. This isnt fair because I turned off my coverage feature and take all the necessary steps they suggest and they still Hit me with fees! On top of it all they never sent me an alert saying the account was overdrawn! They cant continue to deceive people with rules they dont follow!

They always seem to change the the listing of the charges on the app. But I have proof the quickpay was done before the business day end.
Product: Checking or savings account

I had unauthorized transaction on my account in the amount of {$520.00} and I filed the dispute on XX/XX/2021. While trying to receive my provisional credit. This company closed my account for no reason at all. Also, according to the dispute resolution email sent regarding the provisional credit issued to me. This dispute wasnt filed until XX/XX/XXXX. 2 weeks after I filed the dispute. That was the day I was to receive my provisional credit. I have attached all documents regarding this. And I just want my money and provisional credit that I was issued due to the error.
Product: Debt collection

XXXX XXXX claims they received this account from XXXXXXXX XXXX. I have worked with XXXX for several months, but this account did not originate with XXXX. It was transferred through a merger of services from Comenity Bank. 

The account was fraudulently used by someone else, and unbeknownst to me, a claim was filed with XXXX XXXX, which is why the company is not sharing the originally requested documentation. I have been held hostage by this company for several years, and the latest report from portfolio recovery is that they are labeling this account with all bureaus as self-reported. 

XXXX XXXX has since committed a hideous but criminal activity by reporting an account as a credit card and opening a balance when the account is charged off. This company has recently updated the credit bureau with a payment history of late every month, but I do not have a signed agreement with XXXX XXXX. Please see the attached information, which was done in XXXX by XXXX XXXX.
Product: Prepaid card

I have an American Express Rewards card which says it can be used anywhere... .I have tried using it online at multiple sites and it keeps declining... ..the customer support line is no help and after long waits, they do not have any resolution other than " try at a different merchant ''!
Product: Credit reporting or other personal consumer reports

I did not authorize these inquires nor do I know who did.
Product: Credit card or prepaid card

In XXXX I noticed that I was getting charged finance charges for debt protection plan ( charges you a % of your balance each month in case you become unemployed ) on my Best Buy Visa through CitiBank. I tried to reach out to them via secure message because I never agreed to this service. Their secure message system, unfortunately, does not allow the use of any punctuation or special characters. Needless to say, I gave up trying to fix my message when I went through 1 by 1 to try and figure out what character wasn't allowed. I forgot about it, as I paid the card off quickly. A year later on another 0 % interest purchase, I noticed the same charges and when I called to say something, Best Buy had no way of removing that or notifying Citi Bank because they were closed on Saturday & I had to call back. I froze my account and sent them a secure message revoking authorization for any further charges and to opt-out of their debt protection program. I only hope they could understand it without being able to use any punctuation. I did request a refund of all charges. I will not call them again to try and have debt protection removed. They will not hold people hostage to a service they did not agree to by not allowing adequate communication.
Product: Money transfer, virtual currency, or money service

Long story short I finally received my crypto distribution from XXXX after waiting 2.5 years for it since those crooks locked it. As soon as I received my funds into my PayPal account, PayPal locked my account. I tried to appeal I gave them all my info and they said they would hold my XXXX XXXX in crypto for 180 days FOR NO REASON!!! 
I was FORCED to partner with PayPal to receive my distribution back from the XXXX lawsuit. Fast forward to now, I cant pay my rent or feed myself without taking a loan out. Thats what I was forced to do this last month. I am out of options and the mental stress I am being out this is out of this world right now. PayPal is literally the worst company they should be shut down. 
I am 1 step away from being homeless because they wont return my funds. This is almost {$100000.00} when the market is up! And I can not sell!!!! This is almost my ENTIRE life savings!! 
I BEG YOU PLEASE HELP ME BEFORE IT REALLY IS TOO LATE
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX, XX/XX/year> I reached out to Transunion and XXXX XXXX US Mail regarding Collection account from XXXX XXXX with account # XXXX and a balance of {$770.00}. The original creditor is XXXX XXXX XXXX XXXX 
I previously disputed this account stating : I I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. ''. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 
XXXX account from XXXX XXXX with account # XXXX and a balance of {$1100.00}. The original creditor is XXXX XXXX XXXX XXXX 
I previously disputed this account.I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 

I have not received the contract with this debt collector nor the proof of the investigation.
Product: Debt collection

I have asked twice today very politely to be taken out of the system because I 'm not the person they want to reach! 

They called me yesterday as well. 

Wrong number and continuous calls is harrasment.
Product: Debt collection

During court I have explained to the Judge that I had previous conversations that I had paid off my accounts with XXXX Bank. I have requested bank statement between XXXX to see if the payment that I have on recorded with my debit card matches the payment to the company. Also, I have requested a copy of my original contract with XXXX Bank. That was not provided. Lastly, I have requested the purchase agreement to ensure that they are the appropriate owners to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was a loan from XXXX  XXXX XXXX. I paid the loan off on XXXX XXXX. It seems that XXXX of my credit reports are being updated monthly. But XXXX I believe XXXX  is not being updated at all.
Product: Credit reporting

To : CFPB XXXX XXXX XXXX, OH XXXX XXXX RE : Equifax To whom this may concern : I am writing today to inform you that while applying for a mortgage recently, I learned of a derogatory item showing on my Equifax credit report, which is inaccurate. 

Specifically, the item is for a medical bill ( allegedly ) without any other information including the servicing/collecting party. I have no knowledge of any medical bill taking place in XXXX ( where I have never lived ). I have no knowledge of this alleged bill. I believe this is a mistake in reporting. 

I respectfully request that this item be removed from my credit report based on the above information. Attached is the portion of my Equifax report showing the derogatory item. 

Sincerely, XXXX
Product: Mortgage

Good Evening My mortgage is with NationStar Mortgage located in XXXX Texas. I have always paid my property taxes on my own, and then all of a sudden NationStar decided to create an escrow account and wants to charge me another XXXX dollars a month ( completely unacceptable ). I have called and sent them numerous secure messages, but they are giving me the runaround. As you can imagine, this is hurting my credit severely and I need your help resolving this issue ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint against this credit bureau for violating my rights under the Fair Credit Reporting Act and for committing an illegal act and thus a violation of the Fair Credit Reporting Act. This credit bureau has re-aged an old account that has been reported on my credit report inaccurately. The name of the account that is been re- aged is XXXX  XXXX XXXX account number XXXX. I called and spoke with an Equifax representative in the dispute department who told me that the XXXX XXXX XXXX account was scheduled to drop off my credit report in XXXX of XXXX and that in the system the account was showing as been 1 year, 3 months and 14 days old. This is despite on an old credit report it is showing that the account was opened in XXXX of XXXX. 
Re- aging of any item on a credit report is ILLEGAL AND VIOLATES THE FAIR CREDIT REPORTING ACT. I am therefore asking this credit bureau XXXX XXXX XXXX XXXX XXXX  from my credit report immediately due to this violation and illegal act. A failure to delete this account from my credit report will see me taking legal action and suing this credit bureau so as to recover damages. This complaint will be used in a court of law should the needs warrant it. 
I have enclosed copies of my credit report showing where the XXXX XXXX XXXX account has been re -aged. Kindly see files attached. Kindly delete XXXX XXXX XXXX from my account immediately or face legal action for re-aging of an account and reporting false information on my credit report.
Product: Vehicle loan or lease

I had my vehicle repossessed after losing my job with a remaining balance of {$8500.00} in 2015. Within a weeks time I reclaimed the vehicle and paid all fines associated with reclaiming the vehicle. I continued to pay the vehicle at the minimum payment of {$180.00} up to double to amount, {$400.00}, due per month. The vehicle is paid off and still shows on my credit report with inaccurate information. I attempted to call the bank but only get shuffled around departments and never to anyone who can assist with the issue. I have had multiple people tell me the bank does n't hold the account but yet it is reported as such on my credit. Not only has my XXXX credit report failed to change but I have also not received my lean release.
Product: Credit reporting or other personal consumer reports

Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX has validated The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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

This debt was to be covered by XXXX, I was covered by XXXX, if it did not get covered by XXXX then it was to be covered by XXXX.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

OPEN ACCOUNT : Account Name : XXXX XXXX XXXX Account Number : XXXX CLOSED ACCOUNT : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXXXX/XX/2023 - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Method of verification. Please check uploaded information sent out certified mail, and green receipts. Also, remove these inquiries. I did not authorize these inquiries. I repeat I did not authorize these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX