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

Hi I am submitting this XXXX XXXX XXXX this isn't 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 XXXX 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 XXXX 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 XXXX 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 XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX XXXX. 
XXXX. My Address : XXXX XXXX XXXX XXXX, Ga. XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
Delete all phone numbers from my consumer report. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX. 
XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX. 
XXXX, Ga. XXXX Sincerely
Product: Credit card or prepaid card

A card was given to me from XXXX XXXX  that has XXXX on the back in XXXX XXXX  XXXX with an expiration date of XX/XX/XXXX. 

This is in violation of the credit card act of XXXX which states that a gift card can not expire within 5 years of issue. 

I called XXXX  and transcard about having another card issued for the remaining balance but they refused to issue a card or compensate me in any other way even though I told them that it is a violation of law to forfeit the balance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX, account numberXXXX. XXXX XXXX XXXX, account number : XXXX. And XXXX XXXX XXXX account number : XXXX, have violated my rights. 

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

And according to 15 USC 1681eb they are supposed to ensure this 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.

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: Debt collection

PayPal XXXX my account stating that I owe funds now I have money that was refunded to me sitting in m account that I can't access because they're saying I owe a balance it a my money that I need for XXXX and they're holding it's not right or fair we are in a pandemic and im not working so I need my money.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian for reporting contradictory and inaccurate information on my credit report, which has affected my ability to obtain credit. 

Recently, XXXX denied my credit application, citing " too many recently opened accounts '' as the reason. However, my Experian credit report indicates that my number of new open accounts is " poor, '' accurately reflecting that I have not opened many new accounts. This discrepancy highlights Experian 's failure to ensure the maximum possible accuracy of the information, as required by the Fair Credit Reporting Act ( FCRA ). 

Additionally, when I signed up for the free trial of Experian, I was intentionally misled by the display of an inaccurate XXXX report showing a credit score approximately XXXX points lower than the actual score. I assume this is a ploy to persuade me to purchase one of Experian 's products to improve my credit score or to continue with their paid service after the trial. This misleading representation is particularly concerning as it seems to push consumers to dispute information on their XXXX report within the Experian ecosystem when, in reality, the derogatory information does not exist. 

Most people do not have or prefer not to have access to the XXXX portal, but I am grateful that I do. Without access to my XXXX report directly, I would have been undeniably misled into believing that my XXXX credit score was significantly lower. 

Furthermore, I have confirmed with XXXX that their information in my XXXX portal is correct. XXXX has stated that they can not control what Experian shows for XXXX data and, although Experian is not allowed to display different information, there is nothing XXXX can do about it. 

It seems that Experian wants consumers to be at their mercy in every way, which undermines the purpose of having three separate credit bureaus. If Experian had stated that they were compiling the credit reports together, it would be different. However, displaying them separately with inaccurate information seems intentional and misleading. 

These inaccuracies and discrepancies have adversely affected my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), Experian is required to ensure the accuracy of the information they report and promptly correct any errors. I demand that : The CFPB immediately investigate the inaccuracies mentioned above. 
-Experian be required to correct or delete any false or unverifiable information. 
-A corrected credit report be provided to me and any recent creditors who have received my credit report. 
-Failure to address these inaccuracies will leave me with no option but to seek legal remedies for any damages incurred. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX # XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Date : XX/XX/2022 This is a notice of dispute pursuant to the Fair Credit Reporting Act, section 623, subsection ( 8 ) ( D ). The specific information being disputed is the derogatory nature of the information you have furnished to the credit reporting agencies in connection with the above mentioned account.

The basis for my dispute is your company was required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I am unable to locate documentation you complied with this requirement. 

Therefore, provide me proof of notification ( i.e. a copy of the actual notification sent ), and proof that it was delivered to me in a timely manner ( i.e. a dated certified mail delivery confirmation with my signature ). 

If you can not provide proof of notification and date of receipt, then you can not substantiate you followed the procedures required under the Fair Credit Reporting Act. In addition, by not being able to substantiate you performed your duties imposed under that title, you are now in direct violation of it. 

Therefore, the continued reporting of negative information to the credit reporting agencies in connection with the above mentioned account may constitute the furnishing of false information with malice or willful intent to injure me. 

To correct this error I suggest you modify the account accordingly, report the results of your investigation to the consumer reporting agencies to which you furnished the information, and provide me written verification thereof.

You have 30 days from the date you receive this notice to complete your investigation and respond pursuant to the Fair Credit Reporting Act, section 623 ( 8 ) ( E ) ( iii ).

In the event you fail to respond to this dispute or provide insufficient proof of notification and date of receipt, I will have no other choice but to seek administrative enforcement with all applicable agencies identified in section 621. In addition, I may also seek the assistance of a legal firm specializing in class action lawsuits. 

Thank you in advance for your cooperation. 

Sincerely, XXXX XXXX Attached is proof of identification and a current bill, identifying me and will suffice throughout all future correspondences.
Product: Credit reporting, credit repair services, 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 XXXX 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: Mortgage

The company in question is : XXXX, XXXX, XXXX XXXX XXXX, XXXX . XXXX, XXXX, SC XXXX. 
I filed a complaint with the XXXX XXXX XXXX to no resolve. They recommended I pursue this avenue for a possible resolution. 
I have drafted a letter to your office and I need to attach for your review. Thank you.
Product: Debt collection

I have recently learned that I have become a victim of identity theft and my social security and date of birth has apparently merged with another person. Because of which multiple debts and accounts have been now established with my information as my owing these creditors. XXXX of which is Puget Sound Collections. They are currently reporting to the credit bureaus that I have outstanding debts to them or their clients under a different name than my own. I have since disputed these accounts via all ( XXXX ) credit Bureau reporting entities and felt it important to also follow up utilizing this forum to help expedite the process in correcting this information and subsequently deleting my information from their records permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a collection account on my Equifax report that did not belong to me. This same collection account was found on my XXXX  report and I was able to have it successfully removed from XXXX. I submitted a dispute with Equifax online and received an email on the XX/XX/2018 saying that my dispute was completed and directed me to view the results of the dispute via their website. However, the form for viewing the results has repeatedly not allowed me access to the results so I have not seen them. Additionally, the email states that if I do not access the results within 30 days they may become unviewable. I attempted to contact Equifax by phone multiple times with no success as I've yet to be referred to a live person. The phone line simply refers me back to the website which does not work properly. I am requesting assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed both accounts XXXX XXXX XXXX # XXXX and XXXX/XXXX  # XXXX with the credit bureau several times, the last time was in XXXX  of 2018/XXXX  of 2018. Each time the credit bureau investigation concluded that the accounts has been updated/verified. I mailed both XXXX and XXXX/XXXX certified letters. I never received a response from XXXX, XXXX/XXXX response stated that they sold the account to XXXX XXXX XXXX, XXXX and if I have any questions to contact them. XXXX XXXX XXXX, XXXX tried to sue me and XXXX XXXX XXXX, XXXX voluntary dismissed the case. Maybe I am misunderstanding but if the creditors could not provide me with proof of the debt, how can the credit bureaus state that the accounts have been updated/verified.
Product: Checking or savings account

I deposited a check into my Chase checking account that was provided to me by a client for services done in accordance with my business operations. The funds were not made available to me, and they hold was placed on the check that was deposited on XX/XX/XXXX at XXXX XXXX XXXX. Even after it was verified by the issuer and he issuing bank that it was processed and funds were delivered to Chase on XX/XX/XXXX my funds were still not made available, and there was still a hold on the check. I was then informed that my funds would be released and the check was processed by Chase on the following business day XX/XX/XXXX at XXXX XXXX XXXX, but my funds were still not made available. I then followed up on XX/XX/XXXX at XXXX XXXX XXXX and was told that it was still just a request for the Hold to be released, and that my funds might be available at the end of the business day. Currently, I am still waiting to receive my funds in my account. I have called multiple times over the last two days and have been instructed that Chase cant hold my funds for up to 14 days and that they have many request that they are having issues following up with, and receiving funds from other banks. As a XXXX XXXX and XXXX veteran, I feel that it is not my responsibility to worry about these things, and the bank of this caliber should be able to handle simple things such as a {$2000.00} check.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX  to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit card or prepaid card

On XX/XX/22, I submitted a dispute to my credit card company regarding a charge from XXXX XXXX lines that was applied however the charge was paid in cash. The credit card company responded back on XXXX that the dispute was closed without properly resolving the issue and providing zero evidence from XXXX XXXX  of the transaction. These charges were paid for in cash while on the cruise ship. The cruise ship app which lists all transaction history is no longer accessible while not on the ship. It has now been 30 days since this was originally disputed and the charge is still showing and again with zero evidence of the monies being owed from XXXX or Citibank. At this point the charge needs to be removed before I pursue legal action to remedy the situation. Failure to remove the fraudulent charge will result in a lawsuit. I will be contacting the Texas Attorney General to pursue legal action if this matter is not resolved and the charge is not removed permanently within 48 hours. I will be pursuing legal action against both Citibank and XXXX XXXX XXXX. Please see attached check that was refunded to me for overpayment.
Product: Mortgage

I live in XXXX XXXX, LA but I own a home in XXXX that was damaged by both Hurricanes Laura and Delta. I filed a claim with my insurance company and have accepted their offers as satisfactory. I have already completed 90 % of the repairs. The only repairs I have left to make are replacing the inside and outside air conditioner units. I received my final claim check and have sent it to my mortgage company, Carrington Mortgage Services, to be endorsed. They are dragging their heels on sending me any disbursements. I passed their inspection for 90 % completion and sent them the documentation they wanted. Each time I send them documentation, in 5 days they request more documents. They are supposed to send me 50 % of the claim check to start but since I have passed the 90 % inspection, I am entitled to 90 %. Instead, they are talking about only sending me the money for the ac repairs. They also do not return phone calls or emails, despite claiming that they will within 24-48 hours. I have to keep calling until/if someone answers, only to be told, again, to leave a message and the person who is in charge of my account will call me back in 24-48 hours. I have been calling daily since XX/XX/21 and have left numerous messages but as of yet have not received a callback. 
In addition, due to being out of work ( first because of the pandemic and now the hurricanes ), I am on a forbearance plan for my mortgage. It allows me to temporarily not make payments without incurring late fees or negative credit reporting. They have told me f there is any additional funding left from the repairs that they may apply it to any fees or to my mortgage. I am faced with the real possibility of never being able to finish repairing my home and losing all my savings, because I, in good faith, made the repairs with money from my savings, expecting to have no issues getting this check endorsed and returned to me. 
I know I am not the only XXXX XXXX stuck in these circumstances. I have spoken to many residents of XXXX Parish who are now also stuck battling with their mortgage company, after finally winning the long battle with the insurance company. And what recourse do we have? I have tried reaching out to the Louisiana Department of Insurance for help but was told that they unfortunately can not help me, as they do not have the jurisdiction or authority not have the jurisdiction or authority to contest a mortgage company. I have also tried filing a complaint with the XXXX  XXXX XXXX XXXX XXXX but was told they may not be able to help me, as it is a servicing matter and not something actually concerning the mortgage. do not know where to turn or what to do. I believe there should be laws or a governing body to regulate this, but unfortunately, it seems to fall into the cracks. It's an insurance matter with a mortgage company. 
I am at an utter loss. After 6 long months of fighting with my insurance company, I now have to begin all over again with my mortgage company. I am devastated, exhausted and frustrated beyond all belief. How can there be no one to turn to, short of filing a lawsuit with money I do not have?
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent in a dispute letter demanding deletions from inaccurate information and accounts that are furnished on my credit report. It has been over 45 days and I have not heard anything back. I feel like my issue is not being taken serious. I am also a victim of the XXXX data breach. I have contacted XXXX, Transunion, and XXXX. All 3 bureaus are in violation the FCRA 1681B I DID NOT GIVE WRITTEN CONSENT FOR ANY OF THE ACCOUNTS IN DISPUTE TO BE FURNISHED.