23daVinci/CFPB_Complaints huggingface dataset:
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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have a fraud Alert on my EXPERIAN account. Yet Experian keeps allowing fraud to be reported on my consumer report. ALL XXXX ACCOUNTS AND XXXX XXXX ACCOUNT ARE NOT MY ACCOUNTS. XXXX has never reached out to me, neither company has send be a 1099c ( CANCELATION OF DEBT ) from the original creditor. Both companies along with Experian has violated my consumer rights.
Product: Credit reporting or other personal consumer reports

The balance keep getting updated and this account is over 7 years old and this should hav been paid off by insurance back in XX/XX/year> and i have been disputing isince.
Product: Credit reporting or other personal consumer reports

I need my credit report corrected XXXX XXXX XXXX  account still showing i owe them. XXXX on Experian and XXXX XXXX i got a report from XXXX its been removed but now they took aall my credit report XXXX XXXX XXXX is giving me mental breakdown i cant get approved for anything because of them im ready to get a lawyer and sue
Product: Credit reporting

Information is missing from my credit report and that is ruining my ability to access credit. Their response to my enquiry is that they are 'unable to honour your request to place credit information into your personal credit report. ' So what do I do?
Product: Mortgage

On XX/XX/2018 I applied for a mortgage through Amerisave. I had been called so many times by so many places after leaving my contact info on line. I was trying to find out about the HARP program, which no one seemed to know anything about and if they did they all had different answers to the same question. A mortgage is frustrating. I finely came in contact with a man at the above mortgage company. He seemed easy to work with and all was good. He said it was approved, congratulated me and I found all the pay stubs, tax, insurance and on and on info. I payed them to have the appraisal done. I had no problem with this and knew it would appraised above what I was asking to mortgage. It did. My insurance was changed to their title company escrow, title orders, closing person picked out. Was just waiting for a date. Instead I received a email that denied my mortgage. I was so confused could not understand what could have gone wrong when everything was right. It was because the mortgage would be for a manufactured home. They do not do Manufactured home mortgages. No one told me this! I didn't know it made any difference. I spoke with XXXX online and he said he asked me if it was for a single family home loan, I believe that was the term he used. I said yes, I live in a home, only one family lives in this home. I did not know that meant " not a manufactured home '' how was I supposed to know that? He never once asked me if it was a MF home. I thought he had all the information on it, because he had access to get that info so I never gave it a second thought. I was extremely disappointed, I had cancelled another mortgage for the better terms. Since than interest rates went up My biggest problem is the {$610.00} I paid for an appraisal that was not needed on a mortgage I would never get. I was told by XXXX I would get the money back with the mortgage pay out, which was important it had come from my retirement savings account. Im not getting a mortgage so Im not getting that to put back and in fact they don't even want to reply to my emails asking for the {$610.00} to be refunded to me. Im not mortgage specialist, in fact I know so little and am told there is no one that knows all they should. Apparently XXXX XXXX just learned something, they don't mortgage MF homes. I don't think I should have to pay for his mistake, I cant afford to. I cant apply for another mortgage because other mortgage companies want to choose the appraiser That would be spending {$120000.00} just to have appraisal done making the expense of refinancing not affordable enough to bother refinancing after closing costs are added in. Please tell me is there anyway to get a refund of the appraisal fee? Thank you for your time : XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are ( 2 ) fraudulent hard inquiries on my TRANSUNION credit report. I have filed an Identity Theft report with the FTC. Ive disputed these inquiries with TRANSUNION for the last 90 days. There has been no resolution to have them removed. Im attaching an Identity Theft report in hopes this will finally resolve the fraudulent hard inquiries. The company listed in this report are below. 

XXXX XXXX XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX
Product: Debt collection

Hello, I was part of a XXXX data breach, my SSN was exposed and since then I've had multiple issues with identity theft. This debt is not mine. It took Place in NC and I live in FL. I have submitted disputes with credit bureaus and in the process of submitting fraud alert with the collection agency involved. This has hurt my credit multiple times from unknown debt that goes to collections without my knowledge. 


Original Balance : {$280.00} Current Principal : {$280.00} Interest Due : {$5.00} Total Due : {$280.00} ORIGINAL CREDITOR : XXXX XXXXXXXX XXXX PLACED FOR COLLECTIONS ON : XX/XX/22 XXXX XXXX XXXX XXXX DBA XXXX XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : XXXX MONDAY-FRIDAY XXXX TO XXXX PST
Product: Checking or savings account

I have contacted Chime Bank about charges that I have authorized to my account concerning a game in the XXXX XXXX. I have told them that the game developers has recently closed the game and removed the game from the App Store without notice and left away with a lot of peoples money including myself for purchases weve made in the game and can no longer receive or have yet to receive because they have removed the game from the app store. I showed them proof of all the complaints from all other customers and have screen shots of the company completely vanishing without answering questions or support tickets Ive submitted. The charges stem back from XX/XX/XXXX and are in multiple increments of over 30 different charges. Chime bank has denied my complaint and dispute, and they are liable under the FCBA to resolve this issue and give me a refund or charge back due to me not receiving purchases I have made.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off the reported debt amount of {$150.00} in full but I still see this amount shows as unpaid debt in my credit report!
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXXXXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXXXXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX  XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

Trans Union, XXXX, and XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO AND I TRIED TO COMMUNICATE WITH XXXX DEPARTMENT OF FRAUD FOR THE CHARGES THAT APPEAR ON MY CREDIT CARD, I REPORT THE CHARGES AS A FRAUD ARE FRAUDULENT TRANSACTIONS, ALREADY I HAVE A LONG TIME WAITING FOR THE RESOLUTION OF THE CASE AND I NEED THEM ONE LETTER SAYING THAT THE CASE WAS APPROVED THAT THE CREDITS ARE PERMANENT AND NOTHING THEY GIVE ME THOSE CREDITS, IN THE CREDIT AGENCIES THEY HAVE BEEN REPORTED LATE PAYMENTS THEY ARE DAMAGING THE CREDIT WITH WRONG IMMIGRATION PAYMENTS LATE AND FAKE USE THAT I HAVE TO XXXX AND IT IS NOT SO I DON'T HAVE ANY PENDING BALANCE WITH XXXX  I NEED THAT SOLUTIONS THIS QUICK PROBLEM IS TOO MUCH THE TIME I HAVE BEEN WAITING THEM TO DELETE THE NEGATIVE HISTORY THAT REPORTED THE CREDIT TO THE CREDIT CREDIT CARD.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  have been reporting late payment to the credit bureaus. In accordance with fair credit reporting act, this creditor has violated my right under 15USC 1681 section 602 states I have the right to privacy ( 15 USCS 1681 section 604 a section 2. It also states a consumer agency can not furnish an account without my writing instructions under 15 USCS 1666b a creditors is not to treat a payment on a credit card account under an open end consumer credit plan or any late for any purpose. 
XXXX XXXX  Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE CRIMINAL COMPLAINT WITH FEDERAL AGENCIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE EQUIFAX FIND THESE MISSING ACCOUNTS I am missing several accounts on my Equifax Credit Report that have been reported to Equifax but Equifax IS NOT SHOWING ON MY CREDIT REPORT RESULTING IN MY SCORE BEING MUCH LOWER ON EQUIFAX. 

Please Stop saying you do not have my ID info it is attached to this complaint as it was to the last version of this complaint and also was sent to Equifax in XXXX as requested. Proof of delivery attached. 

Also attached is a screenshot showing the missing accounts with a XXXX XXXX next to them. 
These accounts have always appeared on XXXX and XXXX with NO ISSUES. 

JUST NOT APPEARING ON EQUIFAX CREDIT REPORT. 

I have called over and over and over with NO RESULTS. 
Have been told several times you would escalate up the chain to find the problem yet here we are with NOTHING being done to find these missing accounts. 

Have spoken to each and every lender several time and they ALL have told me these accounts are being reported to Equifax PLEASE FIND THESE ACCOUNTS FIX THE BUG IN YOU SYSTEM AND LETS MOVE ON. 


SEE ATTACHMENTS..SEE ATTACHMENTS..SEE ATTACHMENTS..SEE ATTACHMENTS
Product: Debt collection

I do not believe this debt belongs to me. I am not sure where this debt came from. The statement on my credit report says that the original creditor is APP XXXX but that company does not exist. I would like to be sent an itemized copy of this bill as well as the actual name of the company who charged me if in fact it does belong to me. I have disputed this and asked for an itemized bill before, but they sent me an automated message back saying that it was verified, but didn't send me what I asked for. I have looked at my insurance portal and this isn't an amount that matches what they say I owe. The date that the collection came on my credit report is XX/XX/2023. The only thing close to that is a service date of XX/XX/2023, and that wouldn't have even been run through the insurance company, much less been submitted for collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi all my account is settlement of pay off. but 2 of them still showing I have late payment
Product: Debt collection

Complaint Number : XXXX I ask that you send me the complete contract for this account, and all the documents related to this account since you have the account and I need you to send me the full XXXX  number and billes. Thank you XXXX XXXX Compliance Department Southwest Credit Systems, L.P
Product: Debt collection

Using the XXXX XXXX, a loan was obtained to perform upgrades to my home and property. Now two years later im selling the home and there are apparently 2 loans out for the same upgrades through 2 companies. XXXX  XXXX which used ReNew Financial for the loan. Renew Financial has been named in a Class Action Lawsuit for the very issue I am having. The second loan was obtained through XXXX XXXX XXXX. Both loans state they are for the same improvements. Yes Electric and Construction, The company that performed the work, has vanished and can not be contacted. Ive tried numerous numbers to get in contact and straighten the matter out, but all numbers are out of service. I would like to know what my options are for proceeding and getting one of the loans off the property. The work was done, no doubt. However, it is not {$70000.00} worth or work. I will happily pay off one of the loans, but the duplicate, I will not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX  XXXX Balance Owed : {$3900.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1800.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX
Product: Debt collection

I was called at XXXX XXXX  on XX/XX/year>. I did not answer and a voicemail was left. They called back at XXXX and I answered the call. I identified myself as a previous debt collector and told her that her collection practices were illegal and excessive. Especially since my payment, as she stated just came due over the weekend. She said that they can call from 3 to 7 times a day and that was legal. The company is One Main Financial in XXXX, IL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to XXXX, Transunion and XXXX multiple times regarding inaccurate information and they've failed to remove it or provide the requested information for why it is still on my credit reports.
Product: Mortgage

We are in need of funds for college education for our daughter and a few projects we would like to do for home improvement. We met with a Bank customer service agent in Bank of America XXXX XXXX, MA main branch and were told our best option was a HELOC. We were put in touch with XXXX XXXX, XXXX XXXX XXXX, XXXX # XXXX. She took our application the XXXX week of XXXX, XXXX  and felt things would go well. We added my wife to the application and we were declined because of a delinquency on her credit. XXXX then asked if it would be better to resubmit and the loan officer/underwriter she spoke with said that it would be much better if I submitted by myself. That based on everything I would have no problem getting approved. I was declined again but this time due to home value to loan balance ratios. This is something that the underwriters should have known up front, the ratio requirements are very clear cut. They should have not encouraged the application. I would have looked at other areas such as parent student loan or a Parent Plus loan. With the volatility in the market due to the time I waited ( 2+ weeks ) not looking at alternatives, rates have gone up on these other loans and I missed an opportunity to lock a lower rate and save some money. These type of incompetent banking practices at this level of the institution ( I assume fairly senior staff who have experience in these types of things ). XXXX has also filed a complaint on my behalf internally and with her manager. I have no complaint with XXXX for the record. While I probably can not change anything on the loan decision, Bank of America, who I have banked with for over 20 years, should at least acknowledge their error and apologize.
Product: Debt collection

They call numerous times through out the day. I have asked them to stop calling me and only communicate with me through mail. They refuse to take me off the list and ask me personal questions like my social security number and address and refuse to tell me anything else. They call from different numbers with the same area code. This has been going on for a little over 5 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

VIOLATING FCRA - {$1000.00} EACH REPORTED ITEMS WITHOUT MY WRITTEN CONSENT. 
604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report i must inform you that i am NOT responsible for these fraudulent accounts. Someone stole my identity and open up the fraudulent accounts in my name. I have already sent letters to remove this inaccurate information and here 's the tracking numbers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts and inquiries listed IMMEDIATELY! 

FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached and FTC report and highlighted picture of an account that is not reporting the same information across all three bureaus which is a violation of the FCRA