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

I'm running into issues that appear to be blatant credit discrimination. I am a student with several student loans open, however at this time none of them are in default and have not been in years. I owe around {$2500.00} max in personal debt and medical bills. And the credit bereaus have my credit aged at being a little over a year old, however have debts piling against me for years that extend way beyond that. And they don't mind pending that debt against me, but won't factor the debt into my credit age. XXXX?? And I was on track and doing well prior to COVID when I was furloughed from my job and missed a few payments as a result. Well my credit score has dropped approximately 30 points in the last year as a result of the pandemic. And the only explanation I keep receiving is my loans which were in default a few years ago, that I have paid my dues on through going through administrative wage garnishment and counseling is still tanking your score. Not to mention, that I've worked hard sending in extra payments to my auto financing company to try to stay ahead and to no avail they keep reporting me as being behind which dropped my score another 19 points. Needless to say I inquired about buying a house and all of a sudden everything that is missed even if it's only been a few days drastically drops my credit score, however when I make other payments on time it doesn't bring my score up any maybe by 3 points. If missing payments drops my score by 19 points, how come when I pay on time there's little change to increase my score??
Product: Credit reporting or other personal consumer reports

On XX/XX/24 there was a letter sent to Experian asking them to verify what I believe to be incorrect information about a few accounts reporting to my credit report. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were inquiries showing on my report and these report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here are the list of items which do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX According XXXX FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Money transfer, virtual currency, or money service

1- XXXX XXXX XXXX XXXX XXXX authorized by the XXXX XXXX XXXX with firm reference XXXX ) Initiated a XXXX wire transaction of mine by their partner bank XXXX XXXX XXXX as real sender bank ) / XXXXXXXX XXXX  ( as senders correspondent bank ) through invalid receivers correspondent Bank ( Bank of New York Mellon-USA ) which is not the formal Beneficiarys correspondent bank for XXXX  transactions of my beneficiary bank ( XXXX XXXX XXXX XXXXXXXX XXXX as per my beneficiary bank also as per third party XXXX route tracking service ( XXXX  ) and failed to deliver it to my beneficiary bank account with following payment details : XXXX : XXXX Reference # : XXXX Dated : XXXXXXXX  Amount : XXXXXXXX XXXX XXXX I asked the Bank of New York Mellon XXXX XXXX XXXX XXXX XXXX ), in its alleged capacity as the beneficiary 's correspondent bank, to show a receipt from the beneficiary 's bank or the next bank to BNY Mellon in the XXXX route that received the transfer from them ( My request was evaded ).

3- Instead of showing the receipt, they asked me to write to the beneficiarys bank and order them to send XXXX messages to BNY Mellon Bank XXXX As a matter of repetition, I sent their request to XXXX XXXX XXXX, which responded that it was not possible to contact them through the XXXX network because they were not their correspondent bank. 

4- So, I accuse BNY Mellon bank of misleading justice , causing intentional harm, delaying the arrival of international transfer. 

Evidences attached with this complain ( XXXX ) including but not limited to the following : XXXX XXXXXXXX - BNY Mellon Bank correspondences with me. 
XXXX XXXX - XXXX XXXX correspondences with me XXXX XXXX-Third party tracking service-The neglected proper USD GPI route -Payment XXXX status XXXX XXXX - XXXX XXXX  statment-XXXXXXXX XXXX XXXXXXXX transaction invoice and XXXX sample
Product: Mortgage

I am still having problems filing a loss mitigation package with my secondary mortgage holder. The amount that is owed to Discover Bank is less than 8 % of the value of my home and less than 23 % of the available equity of my home. I have attempted to settle with them due to loss of income since XXXX of 2015. This is the second time I am filing a complaint against them. Each time I send the information they request they come back with missing information needed. When I request that they inform me of all missing information needed I supply the missing information then I receive another communication from them informing me I am missing more information. This has been an ongoing issue with them. Now they want to see Bank information from my XXXX children who I happen to be a secondary signer on their account. They are not associated with my mortgage in any way, shape, or form. They have not given their signed permission to release this information and I have informed Discover of this fact. They are now threatening to close my request for a loss mitigation package. Let it be known that Discover has consistently been unreasonable with their request for information, and they are only the secondary mortgage holder on this property. Our Primary mortgage holder settled with us last year with not issues.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 correct : XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX Balance : {$820.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

For the past year I have been going back and forth with XXXX and transunion over the inquiries on my credit report. Unlike experian, both XXXX and transunion dont allow dispute of inquiries online, you have to call or dispute by mail. I have done both, several times over the past year. I have called multiple times to dispute these inquiries with both companies over the phone. My dispute was taken and I was told to mail in a written dispute in addition. I did this with both transunion and XXXX. I was told by XXXX that it was never received and to mail it in again and I did, I have not heard anything from them since. I was told by XXXX that I sent it to the wrong address and I mailed it again to the address the representative gave me. Til this day almost a year later I have not heard anything from either of these companies nor had any result from my dispute. However, experian has addressed and removed all the inaccurate inquiries from my report. I have only 4 inquiries on experian as to having 11 and 13 on XXXXXXXX  and XXXX respectively. If experian removed theses same inquiries there is no reason the other XXXX credit agencies have not done the same. I have also made these companies aware that I was a victim of identity theft. Further all 3 companies experian, XXXX, and XXXX have inquiries on my report that are over XXXX XXXX XXXX and should have been removed already.These inquiries include the following and pictures are included as proof : Inquiries are not mine and have no knowledge of and are unauthorized by me for both companies : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Vice/tbom XX/XX/XXXX XXXXnc XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX The following inquiries are over XXXX XXXX XXXX and should have been deleted by experian, XXXX, and XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX bank XX/XX/XXXX
Product: Credit reporting

To whom it may concern : I am writing to dispute the information reported on my credit report, regarding XXXX Bank Student loan. I have already contacted my creditors and no changes have been made. I have been making payments to this creditor, in the amount of XXXX dollars monthly, for a year. They do not report my payments, or the account correctly. They report that I pay XXXX dollars monthly, when I was previously paying XXXX dollars. The XXXX creditors do not report this account correctly. 

All XXXX creditors provide XXXX different monthly payments made towards my debts and different amounts owed. I have contacted them many times to remove erroneous account but they have not corrected this error. 

My name has also been an issue. I have been linked with my mothers name, so many times I changed it. The only names I have ever used where XXXX XXXX, XXXX XXXX, and my current legal name, XXXX XXXX. I have never used XXXX XXXX, that is my mother. I am incorrectly reported to have used the name XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX and this needs to be removed from my record. I have contacted the XXXX creditors and provided them with legal proof and yet I am still receiving mail with incorrect names. I also can not change my address through the post office as it changes my mothers mail, along with mine. I have tried to fix these issues for a few years now to no avail.
Product: Credit reporting or other personal consumer reports

I am frustrated by the response from the credit reporting agencies claiming that the investigation of these accounts came back as verified. My credit report still contains multiple inaccuracies.

Under 15 U.S.C 1681i ( 7 ) Method of Verification, I have the right to understand the verification process your agency conducted. I demand a detailed account of every step taken to ensure these disputed items are accurate.

Despite these investigations, my credit report still reflects discrepancies. Please rectify these errors promptly and provide the documentation I am entitled to under the law.
Product: Debt collection

Midland Credit Management placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports.
Product: Credit card or prepaid card

Hi In XX/XX/2011 I telephoned Chase Bank to cancel my XXXX XXXX XXXX XXXX credit card which was accepted. As with all my credit cards I have auto pay, to automatically pay the balance in full every month. My accountant just realized that for the last 7 yrs they have been charging me a {$60.00} annual fee, even though I canceled the card, made no purchases, made no inquiries, never logged in, or even possessed a valid credit card or activating one for the last 7 years. I do not understand how they can justify charging me when I didn't even possess a valid credit card. Every 2 years it expired, and not once in the last 7 years did I receive a new one as was customary or activate it. To verify, I logged into my account recently and got the last 7 years of statements, only one per year the XXXX  annual fee one. Chase did confirm they are now closing my account but will not refund the annual because of time lapse. My credit and credit history is spotless which is easily verified. I take this sort of injustice seriously. 
Thank you in advance for your assistance. 
XXXX
Product: Credit reporting or other personal consumer reports

Hi yesterday I called because on my report on experian website, shows my credit score decreased, I went into some options in their site to investigate what happened. It shows a new inquiry was done yesterday. But I dont see it, they dont see it they claimed and dont know what happened. My account is frozen and has been since XX/XX/XXXX I think and locked since XX/XX/XXXX. Which means if someone or something comes through it should block the inquiry or alert me. That did not happen. And I have proof the inquiry happened, and decreased my score XXXX points and I want my points back and the additional inquiry removed, that was made during this timeframe. I have no permissions and I did not unlock my account during that timeframe. So I dont know how this happened or how it got unlocked for someone to do an inquiry. I AM ONLY DISPUTING THE INQUIRY THAT WAS MOST RECENTLY MADE, not any credit cards or accounts!!!! Just the INQUIRY!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Have contacted this company XXXX separate times now to get my mortgage a reamortization and have been fed XXXX different tales concerning how much principle has to be paid, one woman even stating the had no idea what a reamortization was! We were always told 10 % of the mortgage had to be paid at the time of reamortizatoon. Now we've been told its {$10000.00} regardless of current principle amount. This company never allows for emails because they dont want a paper trail. On top of the lying being done concerning reamortization, we have also been lied to about removing the mortgage insurance. We have reached out to this outfit several times to have this useless insurance removed and have been met with silence. 
This company is a glaring example of what caused the housing collapse in XXXX and should be fully investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have since then reported these accounts as made my identity theft, along with a identity theft report because I have no knowledge of the accounts. You were made aware of this before and after XX/XX/XXXX with an identity report attached about the following accounts. Consumer Law states that this must be removed in 4 days of notice of identity theft. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Account Number : XXXX - XXXX XXXX XXXX XXXX Account Number : XXXX SECTION 605 A 15 U.S. CODE 1681 C-1 and SECTION 605 B 15 U.S. CODE 1681 C-2 support my claim against identity theft while stating : 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} PER violation. I want XXXX per violation of the removal of the accounts. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

If you do not immediately remove this information, I will file a formal complaint with the FTC.
Product: Debt collection

XXXX XXXX at Chase Commercial Services has made repeated threatening and harassing phone calls and text messages to myself and my extended family members in addition XXXX XXXX has contacted other people to include my landlord with false, derogatory, slanderous, statements about me. XXXX XXXX uses false and misleading pretense to obtain personal information such as claiming to be verifying a resume or that person was used as a reference. XXXX XXXX at Chase Commercial Services has released that personal information online, in phone calls, and in text messages to include home address and personal contact information of myself in addition to that of my extended family and friends. I have no or have never had any business dealings with XXXX XXXX or Chase Commercial Services nor am I under any form of contractual obligations with XXXX XXXX or Chase Commercial Services. I have never spoken with or heard of XXXX XXXX or Chase Commercial Services until he contacted me demanding that I send him a check or he would make my life miserable. I have retained all threatening, derogatory, and slanderous voice mails and text messages and I 'm in the process of obtaining written statements from all parties that have been contacted and harassed by XXXX XXXX at Chase Commercial Services with false, derogatory, slanderous, statements. This makes XXXX XXXX and Chase Commercial Services slanderous actions even more egregious and I believe in the case unlawful and criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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 XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

The collector has contacted me multiple times within the last 7 days exceeding the threshold of what is acceptable. They also do not provide any functional ( page does not load or work ) digital means of paying off said debt. I have attached photos of emails and phone calls received being contacted more than once within 7day period