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

***Pursuant with H.R.5332 - Protecting Your Credit Score Act of 2020 XXXX has not established a central portal for consumers to dispute errors*** I called XXXX  on XX/XX/XXXX XXXX dispute a medical collections added to my credit report from XXXX XXXX XXXX XXXX After explaining this was a medical collections ( HIPPA violation ) and that this should have never went to collections as it was suppose to be written off by the original creditor the due to the global pandemic COVID-19 ( I have documentation to support my position ) The rep took by dispute and assigned file # XXXX I explained I had supporting documentation and the rep advised me to mail it in ( again they don't have a central portal for consumers to dispute. 

I sent a first class package by certified mail to XXXX on XX/XX/XXXX which was delivered XX/XX/XXXX ( tracking # XXXX ) Included in the package was all of my supporting documentation. 

I received dispute results by mail ( Letter dated XX/XX/XXXX received by me on XX/XX/XXXX ) Indicating the debt was verified as accurate and the date was updated. 

XXXX did not properly investigate this error, nor did they wait to review my supporting documentation which clearly supports my position. They simply did some type of electronic " validation '' no real investigation. I called them on XX/XX/XXXX and their investigation response was dated XX/XX/XXXX ( 3 days )
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 you post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed in the attachments. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed in attachments. 

I contacted the US Bankruptcy Courts of XXXX  Maryland and they stated that they do not send or communicate with any of the 3 CRA 's ever. XXXX So, you did not verify that account when you said you did. 

Despite my first written requests, the unverified items attached still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union has in the past and continues to discriminate against me. I have filed more than one complaint against them but because cfpb doesnt do anything but send them my statement and they know you wont investigate the facts which have been stated, but I will state them again. Trans Union for more than 20 years had my name spelled wrong and my birthday wrong. Their is no way their information can be fully correct, I asked them to audit all the right information they received or didnt receive that would make their credit report right. They refused and my credit score has always been and is now way different from the other agencies. This has caused me to miss out on things I should have had and ruined my life. The difference in scores is between50 and 80 points, which is unheard of. If cfpb will not investigate them then I should be made aware of who can
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, and I want to clarify that this complaint is not made mistakenly, nor is it being filed on behalf of another party. I affirm under penalty of perjury that I am asserting that an individual or entity, without my consent, utilized my social security number and personal information to apply for various goods, services, or financial transactions. Unfortunately, they were successful in establishing certain accounts using my identity. I have no prior knowledge of these actions, and the matter is currently under investigation by the Federal Trade Commission ( FTC ). According to Under 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports, I never provided written authorization for any information to be included in my consumer reports. Lack of consent constitutes fraud in this context.XXXX  XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX and XXXX XXXX Bankruptcy Reference # XXXX Date .Inquiries : XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX.
Product: Debt collection

I receive emails almost every day from this company and they state that if I dont respond they are going to return it to the client who will forward it to a lawyer to file suit.
Product: Mortgage

Im trying to remove PMI from my mortgage. 
Im following the rules and contacted the company about I want to do mortgagee recast and I want my PMI removed based on the new valuation of the house, since the real estate market is on the rise. 
I purchase this house XXXX ago. And the value is indeed increased. 

The company initially aggreed and made me go through the process and pay XXXX non refundable fee. 
The. After going through all the process they rejected it and they said the XXXX calculation will be based on the original loan amount not based on the new validation. 

Need help as I want to do my right and removing the PMI based on the new house valuation.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Systems, defined by the FCRA in this matter as a credit reporting agency, has violated Fair Credit Reporting Act Title 15 U.S.C. 1692c. ( b ) ( 2022 ) by communicating a debt in which has been alleged in association with XXXX XXXX to a third party ( XXXX ) without express written consent or judicial permission. As stated, the furnishing violates the Fair Credit Reporting Act, therefore rendering it impermissible by law to be communicated to a third party or national consumer reporting agency.
Product: Bank account or service

I BROUGHT A BRAIN ENHANCER ONLINE AND XXXX $ CAME OUT MY ACCOUNT 3 DAYS LATER THE SAME PEOPLE TOOK OUT XXXX BUCKS
Product: Money transfer, virtual currency, or money service

I have held and account with PayPal for a number of years. My account was set up as a business account, because I was initially planning to start a business. That business never got off the ground. Therefore, I have never once used PayPal for a business transaction. I have used it as a payment utility, for internet security, and to transfer money between myself, family and friends. 
On XX/XX/XXXX, a friend who had come into some money, knew that I was having some financial difficulties, and offered a gift of {$10000.00}. I accepted. He asked how best to provide me with the funds, offering a check etc, but I suggested PayPal because they do not charge any fees for money transfers between friends and family. 
He tried repeatedly to make the transfer, but it wasn't working, so he offered a check instead, and I asked him to give it another try, and it finally went through. The following day, I found that PayPal had taken {$290.00}. And labeled the transaction a " purchase of goods or services. '' It was no such thing, and even though my account has clearly never once been used for business, they have refused to even consider my appeals. They have effectively robbed me. There was no credit or anything else other than the transfer that I have always been able to do without fees in the past. Not until there was a substantial sum of money passing through my account did they tack on an exorbitant fee. I needed every penny of that money, and would never have even considered using PayPal had I not believed it could be done at no charge. Thus far, my appeals have fallen on deaf ears. I hope that you can help.
Product: Student loan

In XXXX I filed a " Borrowers Defense to Re-Payment '' via the Department of Education, claiming I was Defrauded by XXXX XXXX XXXX, Case # XXXX In XXXX My Grandmother died and left me XXXX XXXX In XXXX XXXX the Federal Gov rejected my application In XX/XX/XXXX I repaid the loan balance using my inheritence money In XXXX the Government automatically place my Original Application in Appeal due to the court case XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX XXXXXX/XX/XXXX I was informed that the Appeal was granted and that my application was approved, which was great! 
In XXXX XXXX XXXX my Loan Servicer, Nelnet, told me that I couldn't recoup the XXXX XXXX that I paid them in XX/XX/XXXX. They said because I had already paid them they didn't have to return it. 
In XXXX XXXX XXXX I talked to the Department of Education and they said there is NOTHING they can do ( So I have already spoken to both Nelnet and the Dept of Education ). 
I feel I should be entitled to that XXXX XXXX. If I had never paid Nelnet anything I would still have the money and my laod balance would have been discharged because I won the Appeal. 
Plus, The orignal Application was wrongfully rejected ( I won the appeal! ) If it had never been wrongfully rejected I would never have paid the balance.

The Ferderal Government sided with me that I was defrauded.

The Loan Servicer, Nelnet, was collection on behalf of " XXXX XXXX XXXX  '' So the players here are : Me, XXXX XXXX Loan Servicer " Nelnet '' ... now called " Sloan Servicing 'XXXX XXXX " XXXX XXXX ''
Product: Checking or savings account

I live in California and opened a Truist acct online. Not only was I able to open it but I was able to fund the acct. Initially I was told an ATM card was ordered and that is how I would be withdrawing from the acct and depositing into it. So I waited ... and waited ... and waited. I called about 3 times to follow up on the ATM card that never came. Finally, I was told that the account was never opened because I live outside their footprint area so the ATM card was never ordered. When I asked for my money back I was told I had to go into a bank branch. The nearest bank branch is THREE STATES AWAY in TEXAS!!!! Going into a bank branch is NOT an option yet they will not close my account nor will they give me my money back. Since opening the account, Truist has been taking {$12.00} per month as a " maintenance '' fee. However, I am not clear why they are charging me {$12.00} per month on a closed account that was never opened. All I want is to close the account and to get my money back. ALL of it. It is only {$80.00} that I initially transferred in to fund the account so it isn't even a huge amount for a bank. For a single mom with XXXX kids who is currently unemployed, it is HUGE! And they are not offering any other solution other than for me to go into a bank branch in Texas to close the account. If they took my money via transfer, they should return it via transfer. There are a myriad of ways to send money yet they are unwilling to do anything.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In accordance with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEPTEDNELNET : # XXXX, has violated my rights. 

I looked at Transunion credit report and noticed some things are incomplete and inaccurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( 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: Debt collection

I filed for XXXX XXXX bankruptcy XXXX  years ago and it was discharged. National Credit Systems is trying to collect a debt that was resolved under bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few reported hard inquires on my account which seem to be damaging my credit score. These hard inquires are inaccurate and you are reporting it to my credit score. 
XXXX XXXX ( auto ) XXXX XXXX ( bank ) XXXX  XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( bank )
Product: Payday loan, title loan, or personal loan

I have an equity line of credit with BMO to consolidate some credit card debt from equity from my home. The most important issue is the bank was to disperse the funds to the credit cards. There was to be a {$10000.00} check sent to XXXX. The check was allegedly sent to XXXX but was not received by them. BMO is stating the check was sent XXXX says not received. I have started paying my BMO line of equity back. BMO has stated that I need to pay my XXXX bill as well to not be in default with XXXX even though funds were to be dispersed to XXXX. I am now having to pay the equity line of credit, the XXXX bill and am accruing interest on a XXXX bill that should have been paid off in XXXX. Not only am I dealing with this financial strain, the whole process of dealing with BMO has been a nightmare. From BMO sending my highly confidential financial documents to some unknown address ( which they are providing fraud protection for a year that I had to demand and waited for for a month ) to this issue with missing funds equaling to {$10000.00} plus interest. I have been working with the branch manager from BMO who has not provided a timely solution to this issue. As I explained to the BMO branch manager - they have put a lean on my home for this line of equity which is fair but now I am in financial unease because of the fund and personal financial information mishandling of BMO. Attached is the letter from XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MA XXXX The Fair Credit Reporting Act provides me with the opportunity to contest any information on my credit report that I believe is not accurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your report is crucial. The allegations you are reporting on do not meet federal or state requirements for reporting so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said! You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations.We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards XXXX XXXX, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report.The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case! 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form CREDIT COLLECTION SERV ( XXXX ) - ( XXXX ) XXXX CREDIT COLLECTION SERV - XXXX XXXX attach you will se documents
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, bought a mattress from XXXX XXXX in XXXX CA. This was a promotion the salesperson asked me to sign up for stating that it would help his store etc. Terms of promotion were waived interest if paid in full by XX/XX/XXXX. I did, then received statement in XXXX showing that Fortiva posted all back interest to my account. I made several telephone calls thereafter to find out why and let them know they made a mistake. I could not communicate with representatives as I could not understand them and decided to write a letter requesting explanation. I never received anything, I called numerous times after sending letter, then wrote another letter, still no response from Fortiva except for a billing statement that showed they had applied a late fee tacked onto the interest Fortiva charged back. 

I have called repeatedly as I am in the process of purchasing a home and found out this afternoon Fortiva has reported XXXX balance and a XX/XX/XXXX day late. The XXXX  balance is correct, the XX/XX/XXXX day is not. I called Fortiva again this afternoon and requested American representative to speak to, I was told that I was calling offshore and that to speak to American representative I needed an appointment... this is totally unacceptable! 

When I spoke to the XXXX manager this XXXX XXXX XXXX ; ID XXXX ) she was not helpful as we had communication issues because she had a very strong accent. When I called in on XX/XX/XXXX, to go ahead and pay the interest they charge back I ask if account was closed, requested they send me a letter stating that and also to send letter stating account was XXXX. I was told by that agent ( XXXX XXXX XXXX that the account showed current, no past due and after payment posted would be XXXX balance. 

I only agreed to pay the interest so there were no issues with our closing of the home we are trying to purchase. I paid the account in full in XXXX and then they tacked on the interest and said we were late, even though we have a XXXX balance. This has dropped my credit score over well XXXX points and may cause me to lose the loan for our home. It is an outrage how Fortiva can do this to us! The account was paid in full before due date. After account paid in full, they assessed interest on us, which we had no idea until applying for a home loan. This is when we discovered Fortiva had report a 30/60 and 90 day late on our account that had been paid in FULL. 

This is wrong that Fortiva can do this to hard working people that paid their account off. They have affected my credit score so badly that we may lose our home loan. We really need help with this immediately, as this is WRONG!