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

incorrect information reported. 

Don't have a XXXXXXXX XXXX XXXX XXXX  as an authorized user. 

incorrect information reported. 

inquires on proile don't belong. 

{ 15 U.S.C 1681 ( a ) ( 2 ) an elaborate mechanism must be developed to investigating and evaluating the credit worthiness, credit standing, credit capacity character and general reputation of consumers. I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to XXXX XXXX data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA. Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and you can bet your bottom dollar that I am keeping careful record of your actions and or mishaps, whether willful or in ignorance. I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable suable monetary award I can seek ) in damages for one or more of the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act 4. ) Unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance!

15 usc 6802 B 15usc 1605
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report was pull on XX/XX/2018 And show delinquency and late payment. The delinquencies and let payment are 4 years old and still shows as recent.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit reporting act. You guys have violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681 Account Name ... XXXX XXXX XXXX Account Numbers # Has violated my rights. 15 u.s.c 1681 section 602 A. 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 instruction. 15 u.s.c.1681 C. ( A ) ( 5 ) section state : 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 conviction of crimes which antedates the report by more that seven years. 15 u.s.c. 1681 s-2. ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate. Iam a natural person, Iam a living human being I have the right under 15 u.s.c 1681.
Product: Credit card or prepaid card

My XXXX XXXX XXXX XXXX XXXX XXXX comes with a complimentary benefit of a Priority Pass membership, which provides access to airline lounges around the world. To access this benefit, cardmembers are directed the the card brochure to go to XXXX  where they can enter the first XXXX digits of their card to verify eligibility, provide some basic personal information and then receive the benefit. I did so earlier today to activate the benefit. Upon reviewing the lounges available through Priority pass, I saw that neither my local airport nor those I would most use have any lounge with Priority Pass, which renders the benefit and my account worthless. 
I looked around the Priority pass website for what is in most online accounts a pretty straightforward cancellation option or phone number in a FAQ, but was unable to cancel it online. The priority Pass FAQ has, as its XXXX question ( which speaks volumes ), " how do I cancel my account? '' and then advises " Sorry to hear you're thinking of leaving. Our Membership Services Team can help if you bought your membership from us. If you got it from another provider, like your bank, you'll need to contact them. '' As I wasn't sure if I got the account from my bank ( though the benefit is through them ) or through priority pass because I did sign up on their website, I decided to try contact my bank first. 

My first call to US bank today garnered my a CSR who had never heard of the program or benefit and with some brief research said they do not provide the benefit and to contact priority pass. I opened a ticket through Priority pass ' website requesting cancellation, they responded they could not cancel it as the benefit came from my financial institution. I called US Bank back again and spoke to another CSR, relayed the above, who after time on hold, transferred me without asking or confirm to a " line service '' who said they are with priority pass but can not cancel the membership as it's through my financial institution. I forayed into the US Bank phone tree for a 3rd time, immediately requested a supervisor who argued all the points above stating they don't provide the benefit, was curious about which airports didn't have priority pass lounges as if to question my reasons for wanting to stop the benefit due to her lack of knowledge on how to cancel it. The supervisor finally caved and said she would open a ticket to have someone look into how to do it and I would hear back within 10 days. 

I have not been charged for this complimentary benefit but do not want to be on a XXXX renewal in the future, hence my concern and opening this complaint. Other consumers would give up or just accept recurring charges on their card going through the above circus. I think the CFPB should audit the relationships between Priority Pass and banks and inquire why it's so hard for consumers to get rid of it ; if they aren't empowered to do it themselves, either the bank or priority pass better be darn good at doing it or that's a racket. Reminds me of gym memberships. Ick. 

Cheers,
Product: Credit reporting or other personal consumer reports

The Following inquiries listed on my credit report are being reported in violation of 15 U. S. C. 1681 ( Section 604 ). These inquiries were not Authorized by me nor were they for any other permissible purpose or legitimate business need. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out the the credit bureaus in regards to a violation of section 623 ( a ) ( 3 ) for failure to enter notice of dispute for XXXX XXXX XXXX I sent a letter to Experian, XXXX, and XXXX on the XXXX of XXXX. I've disputed this account numerous times in the past 120 days and to my shocking disbelief all parties in this matter have failed to update my credit profile and stated bye law. I would like for all inaccuracies and violations to be removed from my credit report.
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 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 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  XXXX Balance : {$5900.00} XXXX  XXXX Balance : {$5900.00} XXXX  XXXX Balance : {$5900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to the credit bureau 's to notify them of some addresses that don't belong to me and as of today XX/XX/2021 I have not received a response from the bureau 's nor have these inaccurate addresses removed which is believed to be a result of identity theft. I am writing to you because identity theft is a very serious matter and I would like to protect my credit report from any other fraudulent accounts and inquiries.
Product: Credit reporting or other personal consumer reports

XXXX XXXX DATE : XX/XX/XXXX THIS IS MY SECOND DISPUTE SENT TO EXPERIAN WHY WASNT AN INVESTIGATION DONE ON MY FIRST DISPUTE RECEIVED ON XX/XX/XXXX WHY ARENT MY ACCOUNTS UPDATED AS DISPUTED? 

YOU ARE IN SERIOUS VIOLATIONS OF THE FCRA DELETE THESE INCOMPLETE ACCOUNTS AND DELETE THESE INACCURATE ACCOUNTS I am writing to address a matter of significant concern regarding the accuracy of my EXPERIAN credit report as provided by your agency, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am deeply disappointed with the results of my recent investigation request, which revealed multiple inaccuracies and incomplete information on various accounts on my credit report. 

Upon reviewing the information provided in my EXPERIAN report obtained through XXXX, I identified the following inaccuracies and incomplete data : XXXX. XXXX Account XXXX : XXXX - Inaccurate reporting of a {$96.00} balance on a charged-off account. 
- Missing payment history information from XXXX and XX/XX/XXXX. 
- Incorrect reporting of a 30-day late payment in XX/XX/XXXX, not corresponding with the payment history guide. 

XXXX. XXXX XXXX Account Number : XXXX - Reporting of a {$1200.00} balance on a charged-off account. 
- Incomplete information regarding the most recent payment. 
- Incomplete information in the monthly payment section. 
- Incomplete account number information. 

XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX - Reporting a balance of {$23000.00} on an account charged off by XXXX XXXX XXXX XXXX. 
- Incomplete information under the recent payment and monthly payment sections. 
- Reporting " ND No Data '' for XX/XX/XXXX, indicating incomplete information. 

XXXX. XXXX XXXX XXXX Account Number XXXX - Missing Balance Histories. 
- Missing recent payment and monthly payment information. 
- Reporting 30 days past due for XXXX, XXXX, and XX/XX/XXXX while showing " Paid, Closed. '' XXXX. XXXX Account XXXX : XXXX - Reporting a {$5800.00} balance on a charged-off account. 
- Incomplete information under the Recent Payment and Monthly Payment sections. 
- Discrepancy between the " Reinvestigation Info '' and " Status Updated '' sections. 

XXXX. XXXX XXXX XXXX Account Number : XXXX - Incomplete information under the Recent Payment and Monthly Payment sections. 
- Incomplete account number reporting. 
- Reporting {$0.00} payments from XX/XX/XXXX to XX/XX/XXXX, inconsistent with current/ terms met reporting from XX/XX/XXXX to XX/XX/XXXX. 

XXXX. XXXX Account XXXX : XXXX - Reporting a balance on a closed account. 
- Unclear account closure date. 
- Incomplete information regarding recent payment and account terms. 
- Discrepancies in the reporting of payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my XXXX XXXX : XXXX  XXXX {$1300.00} XXXX {$28000.00}
Product: Mortgage

I am writing this complaint because SPS has violated the law by putting my house in foreclosure while my house is under a review for a Making Hone Affordable modification. SPS is committing a dual tracking federal violation. My rights have been violated and I would like SPS to review the documentation I sent in for the next 60 days. Also, I think that SPS is showing racial bias ( I am a XXXX female w/a hardship ) and I am being denied the right to apply for a loan modification. Please have SPS to stop sending me threatening letters telling me to relocate and move out of my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S 1681 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. 

15 U.S 1692 Without the prior consent of the consumer report given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute several inaccuracies on my credit report, which have resulted in significant damage to my credit score. I believe TransUnion has violated my consumer rights by removing and adding accounts without valid reason, leading to unjust repercussions on my credit standing. 
I have proof and audio proof of them admitting to removing the accounts then adding them back on then removing them again Accounts Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reviewed my credit report and noticed that the above-mentioned accounts have been inaccurately modified and reported. These inaccuracies are seriously affecting my creditworthiness and financial reputation, which I find highly unjust and unacceptable. 

I have never had any financial relationship with XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX and I dispute the validity of these accounts on my credit report. Additionally, the changes made to my XXXX XXXX account are incorrect, and I demand immediate rectification. 

As a result of these inaccuracies, my credit score has been negatively impacted, making it difficult for me to access fair financial opportunities. I firmly believe that these actions by TransUnion are a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681b. 


Enclosed with this letter are copies of documents supporting my claim, including statements and correspondence from the legitimate account holders showing that the accounts in question are not mine. 

I expect a thorough and timely investigation into this matter to restore the accuracy of my credit report and ensure my consumer rights are upheld. 

Also they still are reporting the account XXXX on my report rendering me from gaining financial credit from institutions Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

During the closing of our home, the mortgage company ( XXXX ) selected an appraiser that used higher priced comparables outside of our neighborhood to appraise the home XXXX above the sale price of XXXX. One and a half years later while we were attempting to re-fiance with our current mortgage servicer ( NationStar ), they selected an appraiser that only used lower comparables, exclusively in our neighborhood. The appraisal came in XXXX lower than the actual sale price. In both cases the appraiser noted local prices were stable. 

It appears that either the initial appraiser or the second appraiser or both appraisers made sure to select an appraisal value that most benefited the mortgage company that ordered the appraisal. In the first case the higher appraised value helped ensure we continued with the closing process. In the second case, the lower appraised value meant we needed to bring more cash to the table, as our primary motivation for re-financing was to remove the PMI from the initial loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2012, {$8900.00} ... incorrect information
Product: Credit card or prepaid card

My brother XXXX XXXX, passed away in XX/XX/XXXX. He had a Direct Express debit card for his Social Security direct deposit. I wanted to know if there was a balance in the account and requested the remaining funds. Direct Express told me what paperwork to send in and I mailed everything on XX/XX/XXXX. Didn't hear anything so I called on XX/XX/XXXX. Talked to XXXX. She told me the paperwork was received and I will be contacted about any remaining funds in 3-4 weeks. No response, so I called again XX/XX/XXXX talked to XXXX. She told me, there is nothing pending on the account. She said, there is no correspondence from me. She never asked me for the tracking I.D . number. I asked for a Supervisor, was put on hold twice. Said the Supervisor did not answer either time. XXXX did not offer any assistance after that. Did not go over the procedure or anything. This business has numerous complaints with the XXXX XXXX XXXX  and nothing has ever been resolved. I still don't know if my brother 's debit card has any remaining funds. Customer service is non-existence. How do they remain in business?
Product: Mortgage

My primary mortgage is being serviced by Newrez LLC., dba Shellpoint Mortgage. In XX/XX/XXXX, I provided Shellpoint with a written request to cancel my PMI, which is {$270.00} per month. This appears to be significantly higher than what I was quoted by a Loan Officer last month ( the average is between $ XXXX per month ). My written request denied. I was told verbally my XXXX was XXXX %. Since XXXX, I have made multiple written requests to have my PMI cancelled. Each time I have been denied stating my XXXX is still 93 %. I am not sure how the XXXX has not changed in XXXX years of paying down the balance? In XX/XX/XXXX, a BPO was completed and appraised the property at {$480000.00}. Based on the appraisal, I was told by several Shellpoint XXXX representatives that my XXXX was now XXXX  %. The most recent disclosure was XX/XX/XXXX. However, on XX/XX/XXXX, I was told by a supervisor that my original XXXX is XXXX %, and that the multiple representatives were " wrong '' in their assessment of the documentation. Some of my written requests were addressed in writing by a denial letter, some requests were ignored completely. Shellpoint has gone so far as to advise in writing that XXXXXXXX XXXX XXXX XXXX was the investor of my loan. I contacted XXXX XXXXXXXX XXXX XXXXe by phone and was advised they had no mortgage loan in my name and that I am or never have been a customer. I completed a XXXX way phone call with Shellpoint representatives, who claimed they knew nothing about the information I was provided in writing. XXXXXXXX XXXX also explained to Shellpoint that since they are the loan servicer, THEY ARE RESPONSIBLE FOR CANCELLING THE PMI!! On XX/XX/XXXX, I received an email from Shellpoint stating XXXXXXXX XXXX XXXX XXXX is the " private investor '' of my loan and need to contact them directly regarding the PMI. Each and every phone call has been documented as to the different information I receive with each separate call. Shellpoint had no comment to that. I continue to call Shellpoint regarding the PMI and each time I receive conflicting information. PLEASE HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE SHOWING LATE PAYMENT HISTORY. THE ACCOUNTS LISTED BELOW UNDER, ACCOUNTS TO AMEND, WERE NEVER LATE. 

ACCOUNTS TO BE AMENDED : XXXX XXXX XXXX XXXX XXXX, # XXXX / XXXX XXXX XXXX XXXX, # XXXX
Product: Debt collection

I am receiving repeated calls from an entity on my caller ID displayed as Portfolio Recovery. No message is left. Each call comes from a different number, so call blocking is not effective. I have received no written communication from them. I have no outstanding debts or collection items whatsoever. Portfolio Recovery has many unfavorable complaints and comments on numerous Internet sites regarding their collection tactics, including complaints of attempting to collect debts from people who do not owe money. I am at a loss as to how to stop their calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attachment below as it clearly states my complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

First main issue is that another supposed collection company collecting on behalf of XXXX XXXX XXXX has contacted me again for the same {$2100.00}. Last time I submitted a complaint the company was claiming to be XXXX XXXX XXXX XXXX collecting for XXXX XXXX XXXX, in the amount of {$2100.00}. I do not want this derogatory information to hurt my good credit that I have worked so hard to obtain and keep. Once again I am disputing that this is not my bill. Again, 1 ) I have never been in a contractual agreement with the reporting company 2 ) I have never been late with payment or delinquent with XXXX XXXX XXXX XXXXecause I DO NOT have an individual account with XXXX XXXX XXXX. 3 ) The obvious how can you be delinquent the same month an account supposedly was opened. 4 ) This is obviously a fraudulent activity and 5 ) this happened in 2020 twice but under a different name for XXXX XXXX XXXX when I disputed it was removed according to FCRA practices. 6 ) I have done my due diligence with disputing this several times and requesting they provide proof. 
I already have placed the fraud alerts on all 3 credit bureaus because of this bill that is not mine randomly shows up. Which has led me to use my right to make formal complaint against this Transunion, XXXX and XXXX XXXX XXXX XXXX. 

I do not owe anyone any money. As my credit file indicates 100 % excellent payment history because I pay my bills and creditors on time every month. 

The right and fair thing is to have this company to stop writing me and ensure removal of any inaccurate /fraudulent information from my credit bureaus and their records. As well, as for XXXX. XXXX, XXXX to cease from reporting this inaccurate information and or provide documented proof that this account belongs to me. There are no documents me for me to provide because again I have never been in a signed contract with XXXX XXXX XXXX XXXX nor am I in default or have been delinquent with an individual account with XXXX XXXX XXXX. 

I have even contacted XXXX XXXX XXXX  on several occasions regarding this same matter and they always tell me they do not have me has having had an account with them. 

Kindly, XXXX XXXX
Product: Vehicle loan or lease

I had a repossession four years ago and creditor report the repossession a month ago and another repossession got on my credit due and total lost of vehicle due to theft and accident.