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

Good evening, To whom it may concern, My name is XXXX XXXX XXXX, XXXX executor, secured party, creditor and sole living heir to the XXXX XXXX XXXX XXXX XXXX 

I have contacted Experian numerous times using various methods of communications both written and verbal. My efforts have Been ignored, laughed at, discriminated against, mocked, and by them doing so has caused me pain and mental anguish. The unauthorized use of my private information by EXPERIAN and it's third party associates has not gone unrecognized and I must point to proof of such unauthorized inquiries and accounts. 

EXPERIAN has misled me to believe that they are a Credit Bureau which is in fact the opposite. According to 15 USC 1681a ( d ) ( 1f ), EXPERIAN is a Consumer reporting agency and a Consumer Reporting Agency means any person which, for MONETARY FEES, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

Based on the scope of the definition, it clearly indicates that EXPERIAN is in the business of buying and selling consumer 's private information to third party vendors. Which would make them some sort of financial institution and also dealing in securities and exchange. 

Being a XXXX XXXX XXXX and not a vessel of the United States. It is my right to demand access and assess all accounts and contracts that all U.S Corporations has established with the XXXX XXXX XXXX XXXX XXXX without my written consent. That also includes EXPERIAN. 


The Freedom of Information Act ( FOIA ), the Privacy Act at 5 U.S.C. 552a ( b ), section 1106 of the Social Security Act, codified at 42 U.S.C. 1306, and SSA regulation at 20 C.F.R. 401.100 provides legal authority for disclosure of SSN verifications from SSA records.
Product: Mortgage

I was trying to get a modification with XXXX XXXX XXXX in XXXX after my wife lost her contractor 's job with the federal Government and I had a life changing event XXXX due to an unfortunate accident. 
In the middle of the modification with XXXX XXXX XXXX they sold the servicing rights to Nationstar Mortgage L L C who has been reluctant to work with us over the last two years they started foreclosure proceedings even had a sale date of XXXX/XXXX/XXXX through their lawyers XXXX and Associates in XXXX Maryland, please be advised that I have attended meditation and have submitted several loan modification to Nationstar Mortgage which got lost in the shuffle somewhere please be advised that since acquiring this mortgage in XXXX myself and wife was never late or missed a payment until our unfortunate situation in XXXX. Nationstar denied our modification over and over again and each time ask us to resubmit an application which we did as recent as this month of which they gave us an alleged modification for 4 % interest rate which require a {$10000.00} down payment with a monthly payment of {$5400.00} without a a breakdown please bear in mind my current monthly payment which I am trying to modify is 4.2 % interest rate with a monthly payment of $ XXXX find this to be unfair and at this point I considering filing Bankruptcy in order to keep my home Nationstar is not very helpful and is not playing by the rules also. I have a lot documentation from their attorney telling me one thing while they are doing something else. 
Please investigate this matter we need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, and XXXX  credit reporting bureaus have utilized erroneous information from XXXX XXXX d.b.a. XXXX XXXX ( XXXX ) to lower my credit rating from Good to Poor over the past 30 days. 

XXXX inaccurately provided information to the credit reporting bureaus regarding alleged late payments for the months of XXXX and XX/XX/XXXX. The loan mortgage did not close until XX/XX/XXXX, XXXX notified me that their online system was not operating at this point to allow me to make payments. XXXX also indicated the delay would not effect me as a consumer and I would receive written notification from the company when the system was operating. I received correspondence from XXXX in XXXX XXXX indicating the system was functioning. Once again, XXXX indicated in its correspondence that consumers would be affected by the delayed operation. 

The first payment was submitted on XX/XX/XXXX in keeping with the XXXX system operation. I contacted XXXX in XX/XX/XXXX regarding a County tax exemption reducing my property taxes for the fiscal year. The XXXX representative alleged I was behind in my mortgage payments, and was unwilling to listen to the above information. 

XXXX, then, filed the delinquent payment information with the three consumer reporting agencies. XXXX has continued to apply my timely payments to the alleged late payment schedule, which it has erroneously and fraudulently reported. 

XXXX now has changed my payment schedule date to XX/XX/XXXX without notice to me, and has charged a late payment fee of {$89.00}. The late payment fee is negligent by XXXX, and the amount is legal injury to me. 

The three credit reporting agencies have been notified of the above, and have not taken appropriate action to re-establish my credit and FICO score to the existing level prior to XXXX 's negligent and erroneous reporting. 

XXXX XXXX, and XXXX are required to re-establish my credit report to the pre-existing level score immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX  XXXX not mine XXXX XXXXXXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX never late XXXX XXXX XXXX never late COLLECTIONS XXXX XXXX XXXX XXXX not mine XXXX XXXX  XXXX DIST CT XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX F XX/XX/XXXX unauthorized XXXX XXXXXXXX XX/XX/XXXX unauthorized XXXX XXXXXXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX FCU XX/XX/XXXX unauthorized XXXX FCU XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX CARD SERV XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized
Product: Credit reporting or other personal consumer reports

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

I looked at my XXXX credit report on XXXX XXXX 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 general, 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: Credit card or prepaid card

Hello, This regards my credit account with Paypal ending in XXXX ( I see there's a field for putting in the entire number on a later page, but I am not comfortable with that ). 

Some time earlier this, my account was removed from online access so that I have not been able to make a payment online. Even if I open up the details of a past transaction by clicking on '' View all PayPal Credit activity '' ( I'm talking about the regular Paypal site, not Paypal Credit because I can not access that portion of the site anywhere ), I get " Oops. That page doesn't exist. '' I have offered to send them a screen shot of this, along with one of the home page to show that " Paypal Credit '' is no longer there as an option the way it used to be, but they refused to figure out a way for me to do that. 

In corresponding with Paypal customer support, the replies I get are anything from them simply not believing me and instructing me again and again as to how to access my account online to, " We are not able to locate an account with this email address. '' ( the same email address I've been using for all my banking purposes for the last ten years -  XXXX ). I've been telling them - only half in jest - that if you can't verify an account for me, then I guess I don't owe you any money. 

They gave me a phone number to make payments online, which I have succeeded in doing a couple of times, but sometimes when I call, making a payment isn't one of the menu options, as was the case when I just went to make one now ( the rep I just spoke with told me they don't take payments by phone - he really knew what he was talking about ). 

Whether I can make a payment by phone or not isn't the point anyway - I want to be able to access my account online and make payments that way as I had been doing for ages - yes, with the same email address they now tell me can't be verified, which was never changed in my profile at any point in time - until this problem arose. 



Thank you, XXXX XXXX
Product: Credit card or prepaid card

Due to a house remodel gone awry, I need to transfer money from my HELOC to a balance transfer credit card to free up funds on the HELOC and have some time to pay it down at a lower interest rate.

I contacted Chase for this since I already have two cards with them. I was approved for a large amount. Additionally, I moved available credit from my other two existing Chase credit cards to this new (
Slate ) credit card. They had said I wouldn't be able to directly pay the HELOC, but should be able to pay a checking account I could use to pay the HELOC, or another method. I was approved, I got the card. And then I found out there was, in fact, no way I could use it for any sort of balance transfer, as the only thing it's good for is credit card-to-credit card. I don't carry a balance on any of my credit cards and pay them in full each month, as they could obviously see when they pulled a hard inquiry on my credit. 

So now I have a shorter average for my credit history ( subtracts points from one 's credit score, as it has done to mine already ) and a credit card with a huge limit that I can not use. 

By the way, this is not the first time Chase has pulled something like this to me to reach their sales numbers, and I'm happy to report that one too ( whose implications are far greater, and life-threatening to my family as they said we had to move into our unsafe house in order to fund the HELOC, but assuring us we'd been approved for it. Then they denied it based on the house 's unsafe condition -- by the time we were living there. )
Product: Checking or savings account

To Whom It May Concern : Chase has been routinely holding transactions from checks and other deposits that clear quickly from the sending bank and claiming that they are holding the deposit as it may not clear. Clearly not in the consumers interest-they are trying to maximize revenue by holding onto deposits overnight ( or longer ) to bolster the bottom line via interest income. 

Ive also noticed that instant transfers into the bank happenliterallyinstantly. 

However instant transfers out are held for at least a day or more. 

Bad business all around. This bank needs oversight.
Product: Debt collection

A thorough inspection of my current credit report revealed numerous unauthorized and fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My twin brother just moved to Nebraska where I live at 2 weeks ago and he tried to get his social security card so he card so he can start working. he said when he applied online to get his social security card, it wouldnt let him. he said his social security number was froze.So he went home and my sister did a credit report on experian using his social and all my information showed up like my old adressess, bank info, loan info etc. so he printed out the report and went to my bank. when he got there he told them his social security number was on the account. the bank told thim that it wasnt. he even showed the bank the experian report and again they told him that it wasnt. so the bank called me while i was at work and asked me if i had a twin and i told them yes. so i left work early and went straight up to the bank to see what was goin on. they told me what happened so they told me to check my credit report and see what happened. i checked my report on experian also and it had my info but with all his debt on it like hospital bills from indiana that been sent to different collections. all his debt was on my report. when i scrolled all the at the bottom of the page it had his name on it.
Product: Credit reporting or other personal consumer reports

I recently filed a complaint about inquiries on my consumer report that do not have permissible purpose, I also attached evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above inquiries have no permissible purpose to be on my report. Delete all inquiries due to 15 usc 1681b
Product: Debt collection

Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintains on XXXX XXXX .I received a response stating that the accounts were verified on XXXX XXXX .I am formally requesting a description of the procedure your bureau used in providing all information to the original creditors in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ). your agency is required to forward all relevant information to the original creditors to ensure a proper investigation of my dispute.I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ) XXXX XXXX # XXXX Per FCRA you are required to provide me this information within 15 days or delete negative items from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to Equifax was dated XX/XX/2022, but I never received a response from them. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the account : XXXX XXXX  XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I was served papers saying I was being sued by XXXX XXXX XXXX in the justice court precinct 4 XXXX county texas On XX/XX/XXXX I appeard in precint XXXX court and meet with Judge XXXX, XXXX XXXX XXXX representing attorney XXXX XXXX. We agreed to a one time lumpo sum payment to settle the case of {$2000.00}. The {$2000.00} was paid on XX/XX/XXXX and notification via email was sent to XXXX XXXX. Again, The {$2000.00} was to pay the case in full. 
On XX/XX/XXXX I reached out to the XXXX XXXX law firm XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX and asked why I havent seen an update in my credit report, they verivied they received payment in full and that I would have to contact XXXX XXXX XXXX. I then reached out to XXXX XXXX XXXX and they verified that they received the payment and that my credit report would be updated as they are still reporting that I owe them the remaining balance of {$710.00} I waited and watched for 6 months for my credit report to update with accurate information. I called XXXX XXXX XXXX on XX/XX/XXXX and they informed me that they needed more time to update the credit report with accurate information. I also have emails trail with attorney agreeing to settlement and notification that I paid the {$2000.00}. 

I believe they have had enough time to do their reporting correctly and accurately. The collection agency should report XXXX balance and settlement reached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Bureau showed gross negligence in security of my and 145 million Americans as shown by a security breach in XX/XX/XXXX. XXXX took six weeks to announce a security breach had taken place, in which time three XXXX executives, XXXX XXXX, XXXX XXXX, and XXXX XXXX sold nearly XXXX XXXX dollars in stock of the company. After XXXX announced in XX/XX/XXXX that 145 million Americans had their dates of birth, social security numbers, names, driver 's licenses, and addresses compromised, no solution was provided for those affected. This information is highly sensitive and the leaking of said information is devastating. This leak could also have been prevented, as XXXX was notified in a report by Homeland Security there was a major flaw in the security of their website. This was a devastating, preventable disaster and XXXX is entirely responsible for the breach of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed a Bankruptcy Chapter XXXX account several times thats reporting on my Experian credit report. Experian has stated that the account has been verified by the third party reporting agency XXXX. I disputed the account with XXXX in which they deleted the account from my report. I sent another dispute letter along with the letter from XXXX to Experian. Experian sends me a updated credit report stating that the account was once again verified by XXXX. How was the account verified by XXXX when they deleted it from my report? In 2018 Experian deleted the account from my report but reinserted it.
Product: Credit reporting or other personal consumer reports

I am personally submitting this request to correct the error on my Credit Reports. I purchased phones in XX/XX/XXXX. Six months later, in XX/XX/XXXX, I discovered that a collection related to this purchase was inaccurately reported on my credit report by all three credit bureaus. I disputed the entry, and after six months, in XX/XX/XXXX, the collection was deleted. However, to my surprise, six months later, in XX/XX/XXXX, the same collection was reinserted on my credit report. This recurring issue is still on my credit report causing harm to my credibility and violating my consumer rights, and I am requesting immediate action to resolvethismatter.
Product: Checking or savings account

Well i want to know why i cant open an account with XXXX  and bank of america anymore? How can i resolve the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I graduated in XXXX of XXXX from this school unit take which promised job placement for one within a  year which I never got I didn't get a job in for bottome until XXXX But the problem here is that I have never missed a payment on any of the 4 nil net loans that I have they have all been in deferment since I graduated I have never missed a payment in XXXX I have already disputed this with them on my XXXX XXXX credit score
Product: Credit reporting or other personal consumer reports

Submitted a dispute with the Credit reporting agencies XXXX XXXX Equifax concerning an account listed on my credit profile from XXXX XXXX XXXX asking for a removal of a false and misleading account. This company is falsely and illegally reporting information the the CRA ' S listed above. I have no knowledge of any accounts with this company nor have i ever been under any agreement With the Company Known as XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original  Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 


XXXX XXXX {$8900.00} XXXX