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

I submitted a complaint with Experian for allowing information to be reported to my credit after it was reported as fraud. I got an email from them that the documentation was n't acceptable or that they needed something additional. I have attached that snippet to this complaint. I submitted a valid/approved police report from my local state agency. They are asking for all of the pages. I submitted all of the pages. It was only one page. It has the officers name that approved it, with the date, time, and the state agency that approved it. There is nothing else that goes along with it. I called the agency and they said that there is nothing else that the bureaus should need. They did advise me that I have the right to file a small claims lawsuit against them if they continue to give me any issues. I will be doing so this week if I get another email stating that what I have sent over is n't acceptable which is letting me know that the cfpb, experian is all working together. I am also waiting to see what the outcome will be in regards to my complaint with the ftc. All I want is for them to remove the XXXX XXXX XXXX that was just reported, which should n't have been because it was just removed and XXXX XXXX XXXX needs to be removed as well as I have been stating for the past couple of weeks. I am beginning to think that they are refusing to remove the information and if that is the case I will be taking further action. I look forward to this being resolved. 

XXXX also allowed an item to be reported to my report as Fraud and that was XXXX XXXX XXXX. It was reported on XX/XX/XXXX. That needs to be removed as well as it was fraud. I have sent them over a fax with the same information along with my police report and I have n't gotten a response.
Product: Checking or savings account

Basically, B of A closed my without any prior notice. I had a direct deposit of XXXX deposited into my account the following day. I was unable to withdraw the money and I was put into a financial hardship which caused me to be almost be evicted from my home. I called to no avail to try to explain my situation. It went upon XXXX XXXX. I want to see what legal avenues I have.
Product: Mortgage

I was solicited by Rocket Mortgage to apply to refinance my loan, and prior to starting the process Rocket Mortgage sent an appraiser that came back with a value of XXXX so we began the application process and finished XXXX of repairs. In the same month they sent a second appraiser that came back with XXXX even though the repairs were finished. Our own research has lead us to believe both of the appraisers grossly undervalued our home, by more than 50k. The fair market value of our home without any repairs of upgrades is XXXX but they are falsely depressing our home value. 

The end result is we were turned down for the refinance, our credit score decreased by XXXX points because of the denial, and our home was falsely devalued.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an attempt to correct my EQUIFAX, XXXX, and XXXX credit report ( s ). I have identified fraudulent accounts. Please block/ remove all of the accounts listed below : XXXX XXXX   XXXX : XXXX - Opened XX/XX/XXXX XXXX CARD : XXXX - Opened XX/XX/XXXX XXXX CARD : XXXX - Opened XX/XX/XXXX XXXX
Product: Payday loan, title loan, or personal loan

I asked them to stop Ach from my account. They are costing me Nsf charges I can't pay. They refuse to stop. There is no way to stop Ach in contract. By law that makes the contract void. There has to be a way to stop it.
Product: Debt collection

Every month my wife and I each get XXXX harassing phone calls from Nationstar Mortgage. We are current on the mortgage, but every month calls start at the XXXX and escalate in frequency until we pay at the XXXX. I have told them that I get paid on the XXXX and they should stop calling. They said that was n't possible. 
The calls stop as soon as we pay. The due date is the XXXX of the month but there is n't a late fee until the XXXX.
Product: Payday loan, title loan, or personal loan

In accordance with the Fair Credit Reporting Act Affirm Inc account # XXXX, has 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not being reported correctly, this account was paid off because it was in a car accident and had gap insurance. It was never charged off. 

You 've paid off 100 % of the original amount. 
Balance {$0.00} Highest Balance {$17000.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 6 yrs, 9 mos ) Term 72 months Payment History Youve made 100 % of payments for this account on time.
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status Charge-off Worst Payment Status No Info Account Details Account status Closed Type Auto Responsibility Individual Remarks Paid charge off Fixed rate Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX
Product: Checking or savings account

On XXXX XXXX and XX/XX/XXXX I wrote checks for {$750.00} each day to XXXX XXXX, a company I contracted to do work on my home. The checks were cashed on the day they were written and were posted to my checking account on those days. 
On XX/XX/XXXX Wells Fargo posted those two checks to my account and took the funds from that account. 
In XX/XX/XXXX I contacted Wells Fargo concerning this and they " provisionally '' returned the funds to my account while they investigate. 
I have attached bank statements showing the same two checks cashed on two different occasions.
Product: Debt collection

A COLLECTION for {$50.00} was submitted to my XXXX Credit Report on XX/XX/2018. I do not know who this is and it is NOT my bill. 
XXXX/CAPIOPART Account # XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Company Sold - Account Type Collection Department / Agency / Attorney Date Opened XX/XX/2018 Account Status Closed Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/2018 Balance {$50.00} Balance Updated XX/XX/2018 Original Balance $ 50 Monthly Payment - Past Due Amount {$50.00} Highest Balance - Terms 1 Month Responsibility Individual Your Statement - Comments - CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I went to XXXX XXXX of XXXX XXXX to purchase a used vehicle. I was told my credit would be run with them to see if I would be approved for a loan. I agreed. I was not informed that my credit would be run by multiple companies ( listed below ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was approved through XXXX but XXXX XXXX did not disclose that they would send run my credit through multiple companies. I attempted to contact the companies to remove the inquiry but they told me that they are valid because the dealership ran it. I disagree as I did not authorize them to run my credit through multiple companies outside of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be re-investigated : XXXX XXXX XXXX XXXX  Original creditor : 01 XXXX XXXX XXXX XXXX {$2400.00} Account Info Account numberXXXX Collection opened XX/XX/XXXX Account type Collection Account Balance Loan Amount {$2400.00} Payment Info Original loan amount {$2400.00} Balance {$2400.00} Account Name Account Number Account Type Date Opened Status Account Name Account Number Account Type Responsibility Date Opened Status Account Name Account Number Account Type Responsibility XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Collection Individual XX/XX/XXXX Collection account. {$2400.00} past due as of XX/XX/XXXX. 

XXXX- XXXX XXXX XXXX Business LOC  Individual Date Opened Account Name Account Number Account Type Responsibility Date Opened XX/XX/XXXX Collection account. {$980.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Lease Individual XX/XX/XXXX Account charged off. {$2700.00} written off. 



I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Debt collection

I have been disputing lunch funding for quite some time. I have said Im a victim of if tort theft and they come back saying the debit is valid. I feel like Im getting no where. I have a police report filed and froze my credit.
Product: Credit reporting or other personal consumer reports

Transunion is reporting data that is more than 8 years old. Please remove/delete XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my dissatisfaction with the handling of my recent attempt to rectify the late opening of my account. Despite my initial communication and subsequent efforts to resolve this matter, it appears that the issue remains unresolved. 

I first brought to your attention the discrepancy regarding the opening of my account. I followed the protocol outlined by your institution and promptly provided all necessary documentation to rectify the situation. However, to my dismay, it seems that my efforts were not duly acknowledged or acted upon. 

Despite my initial attempt to address this matter, I was disappointed to discover that the account opening process had not been rectified. Consequently, I reached out again on [ date ] to reiterate the urgency of the situation and to request immediate action. Regrettably, I find myself in the unfortunate position of having to bring this matter to your attention once more. 

The prolonged delay in resolving this issue is not only inconveniencing but also reflects poorly on the efficiency and reliability of your institution 's processes. As a customer, I expect a certain standard of service and prompt resolution of any discrepancies or errors. 

I urge you to prioritize this matter and ensure that the necessary steps are taken to rectify the late opening of my account without further delay. Additionally, I would appreciate regular updates on the progress made towards resolving this issue. 

Please consider this letter as a formal complaint regarding the handling of my account opening process. I trust that you will take the necessary steps to address this matter promptly and prevent similar occurrences in the future. I am asking for your assisstance to correct this account in my credit file : XXXX XXXX Balance : {$17000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a copy of my credit report to ensure all information is accurate and legitimate. I notice XXXX XXXX is reporting false and inaccurate information to Transunion XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, and XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX 

The information they are reporting is inaccurate and a violation of HIPPA privacy. 
XXXX XXXX account # XXXX, XXXX, XXXX two are DUPLICATED on the Credit Reporting Agencies Someone else personal medical information is online with the above companies. I am asking this matter be investigated and validated. According to federal law 15 USC 1681 s-2 ( 9 ) this is a violation of my right. 

This account was part of a I.D . theft claim that I previously reported, this is a violation of reinsertion requirements due to the XXXXredit Reporting Agencies having allowed it back on the credit report. They have violated 15U.S. code 1681i Also Transunion continue to report XXXX XXXX Account # XXXX on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.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 and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries 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 XXXX 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

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Debt collection

I have a debt collection reporting on my credit that does not belong to me. I have no knowledge of the debt being reporting. This account appears to be fraudulent due to the result of an identity theft. Under no circumstances have I authorized nor given anyone permission to do so on my behalf. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt exists.
Product: Credit reporting or other personal consumer reports

Although TransUnion utilized things against me without me knowing, my credit score with them is significantly lower than the two other bureaus. They refuse to take action
Product: Mortgage

I started the process of removing my PMI payments on XX/XX/2022. I finally received instructions via USPS on XX/XX/2022. PHH requested {$100.00} appraisal fee. However, I had an appraisal through PHH in XX/XX/2022 which I paid {$590.00}. On XX/XX/2022 I contacted them informing them of the appraisal I had through them. They requested a copy of the appraisal which I emailed on XX/XX/2022. They rejected the appraisal that PHH set up and still require the additional {$100.00}. I have emailed and spent over an hour on the phone with staff and supervisors and they refuse to accept the appraisal that THEY set up. It is absurd that I have to pay an additional {$100.00} after paying nearly {$600.00} for an appraisal! The emails are the generic rejection emails that seem automated. I spent an hour on the phone, over 40 minutes of that time was spent on hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit report is reflecting random fake payments ( mostly late ) on an account that was paid off and closed in XX/XX/XXXX. The lender, Capital One Auto, suddenly started reporting payments again in XXXX and continue to do so. I have sent numerous challenges to the creditor, but they keep responding that the information reported is accurate. I have also initiated several disputes with XXXX, but they keep saying the dispute has been resolved. Yet, the inaccurate information remains on my credit report. Neither the creditor nor the credit bureau have taken this investigation seriously, and my credit  score is being negatively impacted by the multiple recent delinquent payments that are being inaccurately reported. 

I am not sure how I am supposed to prove that I am NOT making payments to a creditor, but this information needs to be corrected. This has dragged on too long, and I dont even understand why a credit bureau would allow a creditor to randomly start reporting payments on an account that is reported as closed with a {$0.00} balance. The reporting even shows a status of Paid and Closed with a {$0.00} balance, and last activity in XX/XX/XXXX. So why are they reporting payments in XXXX and XXXX? These are completely made up payments, as I do not owe Capital One Auto any money, nor have I made any payments to them since XXXX. XXXX is the only credit bureau showing these fake late payments on my report. The other bureaus are reflecting the account accurately.
Product: Credit reporting or other personal consumer reports

Different lenders use different credit scores to evaluate the credibility of potential consumer to purchase anything. There is no clear information provided by XXXX XXXX and XXXX XXXX XXXXXXXX to know how XXXX score is determined. I have no public collections, no public records, only XXXX late payment on my account and my XXXX score XXXX is XXXX and XXXX score XXXX used by XXXX and TRANSUNION IS XXXX which impedes my credibility to lend anything from lenders. Lenders can only lend me at higher interest rates ; I assume that this XXXX XXXX discrepancy bars a consumer to lend anything and further impedes their credibility ; which is a violation of consumer right. I wish to know how XXXX and XXXX score XXXX is calculated and why there is XXXX points of difference between my vantage score and XXXX SCORE.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ( credit card {$XXXX} account & XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) {$XXXX}. Please remove for they 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 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 information is inaccurate.
Product: Bank account or service

I opened a new checking account with Astoria Bank on XX/XX/2016 with an ongoing promotion. Even though I applied online I was asked to come to branch to finish account opening. Once in the branch I pretty much had to disclose all the information I already gave online again, I asked them to confirm {$250.00} bonus promotion for having direct deposit for XXXX consecutive months or XXXX bill pays/month for 3 months and they confirmed I am enrolled. They also mentioned I would receive a {$50.00} direct deposit bonus once I receive my first direct deposit. Surely I received my {$50.00} direct deposit bonus on XX/XX/2016. I kept paying bills using this account and also kept my direct deposits. Upon meeting requirements in XX/XX/XXXX I asked them when I would receive the {$250.00} bonus via a customer message and they told me that because I received a bonus already in XX/XX/XXXX I am not eligible. I explained that noone mentioned this when I was in the bank, if this was the case why was the direct deposit even an option noone would choose {$50.00} over {$250.00}. Asked them to revert the first bonus and instead give me the one I am already eligible for but I was denied. If I knew this would be case I would have avoided direct deposit all together.