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

Recently, I viewed my Discover credit report and found out that XXXX entered negative information about me that resulted in a XXXX point drop in my credit score. I called XXXX and informed them that their information was incorrect. I do not have an outstanding balance with XXXX and owe them nothing. They agreed and have stated that they will conduct an inquiry to try and get my credit score corrected. They said it will take two weeks. This is abslutely unacceppptable. I generally carry an XXXX plus credit score and XXXX careless mistake resulted in a dramatic drop in my good credit. Mistakes like this have real implicaations for consumers and it is wrong.
Product: Money transfer, virtual currency, or money service

XX/XX/2018-A merchant advise ( XXXX Content ) that their company could conduct fine line editing and proofreading services. I was told to pay {$220.00} and to give them three days. The three days turned out to be a forgotten one month with lost documents which, the company states never received but, to the finding the company did not understand how to do proofreading or editing as suggested. The company also stated will do proofreading editing within 3days and have a 100 % customer satisfaction. I company lead me on for a month and could not do the job. I called paypal to dispute the transaction and paypal said I have a 100 % no liability and have knowledge that I went to XXXX  ( aka -XXXX XXXX XXXX ) company to get the document done. Paypal then on XX/XX/2018 after XXXX XXXX gave an inaccurate response stating it was a thesis editing and proofreading of over 6000 words which, they took my work including the reference and illegally tried to claim as their own. Paypal gave send XXXX  a letter stating XXXX XXXX was valid which, It was against federal law and their own policy to help a company like XXXX to deceive people for service.Paypal has a history of allowing merchant to fraud customers without taking actions against them as it was agreed in their terms and conditions of using paypal system.Paypal transaction number is XXXX -- - Detailed info -- Case details Seller information XXXX XXXX XXXX XXXX Invoice ID XXXX Transaction amount {$220.00} Transaction ID XXXX Disputed amount {$220.00} Dispute reason Item not as described Company I went to correct the error -- Was XXXX
Product: Credit card

I purchased a lawnmower from a dealer XXXX nd opened a XXXX credit line through ge capital promo no interest if payed in full within two years they say it was a standered purchase but I sent them proof fax the invoice to them twice I sent them XXXX dollars a month for two years it should be payed off by now I accualy over paid them they should owe me XXXX back this has been going on for months now was never late with a payment.
Product: Credit reporting or other personal consumer reports

I had a loan on a new vehicle with XXXX XXXX, I traded the car for another new vehicle with XXXX XXXX XXXX, the XXXX dealer did not make the payoff of the existing XXXX XXXX in a timley manner and it showed a late payment on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Bankruptcy XX/XX/2018 and went on to all three credit bureaus to make sure debts were showing such and if they didnt I disputed them and asked the bureaus to please update or delete the account. All creditors were notified by the US Bankruptcy court XXXX and XXXX did their part and either updated or deleted where Equifax has given me the hardest time getting this one account of my credit report and I disputed it three times since doing the bankruptcy as the confirmed the account that has be included in the bankruptcy and I told the creditor and Equifax on numerous times they are violating the us bankruptcy act but not updating the account to show XXXX balance and included in bankruptcy along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Colorado XXXX-XXXX  on account # XXXX original creditor American Physicians who already had taken their file off my three reports but this collection agency refuses even after numerous calls to them. Equifax is all refusing and aftr three disputes and I saying that I was filing a Dispute with your agency they want my ID and social security card to make things more hard on me. After completing the last investigation and threats of me filing this dispute items that were removed where put back on my credit file which were included in bankruptcy tonight the added then back down to drop my credit score 128 points in retaliation knowing they were included in bankruptcy under XXXX XXXX. They violating Fair credit reporting act and should be held accountable
Product: Debt collection

I initially tried to sign-up for cellular service with XXXX as part of a promotion. The company improperly processed my order and initiated service without my authorization. I spoke to in-store representatives at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL on XX/XX/XXXX and XX/XX/XXXX of XXXX in an effort to resolve the matter and ultimately was assured that the transaction would be reversed at no cost to me. That did not happen and I began receiving threatening messages about how XXXX would damage my credit if I did not pay. I ultimately spoke to a representative XXXX from XXXX XXXX on XX/XX/XXXX who assured me that all charges would be reversed. I have since received a threatening text on XX/XX/XXXX from a collection agency CBE Group. I am very concerned that this company is going to damage my credit when they never provided any service and I was repeatedly assured that there would be no charges. Please help me resolve this matter immediately including ensuring that the false claims against my credit history are fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

There was a security breach with my credit reporting company, and my information was leaked
Product: Checking or savings account

My son died XX/XX/XXXX. I went into Bank of America XXXX branch on XX/XX/XXXX and reported his death to XXXX XXXX and they scanned the death certificate. They told me I need a state form to obtain his funds. I thought they froze his account. I was also told someone from that branch would contact me. No one ever did. I thought my son 's funds were safe. The amount was {$7300.00}. I went back to the same branch XX/XX/XXXX with the state affidavit of relationship form notarized. The bank told me my son 's account was closed and there were no funds available. Bank of America disbursed my son 's funds on XX/XX/XXXX to someone who claimed to be the " fiancee '' to my son. Bank of America needs to be held liable and needs to recover my son 's {$7300.00}. Fiancee is not a relative, and not listed in the PA State laws of Intestate Succession. A fiancee is not a surviving spouse. Nevertheless, the claimant was not a fiancee to my son. She was removed from his account XX/XX/XXXX. 

I have reached out to Bank of America Estates Department and they have not helped. Please help me. It should not be my responsibility to try to recover my son 's {$7300.00}. I am filing my son 's XXXX income taxes and he owes {$24000.00}. I need the {$7300.00} that Bank of America disbursed in error.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The accounts reported are below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX This company has turned me in to a collection agency for {$6900.00}. I did not open an account, or receive any funding from this company. My credit report doesn't show a hard inquiry from this company, and my bank statements do not reflect any amount received from this company. The company shows I opened the account on XX/XX/2021. This is false. 
This is only reflected on my credit report through XXXX. I opened a dispute, and XXXX  said the report was valid. It is not. 
Also, I have not been contacted by any collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries on my report, wrong names, addresses, and accounts
Product: Checking or savings account

Unauthorized Transactions without me knowing or my knowledge of who did or may have preformed these transactions On Dates Below XX/XX/2023 Withdrawls - XXXX $ XXXX {$100.00} $ XXXX XXXX, XXXX XX/XX/2023 Withdrawls - XXXX $ XXXX XXXX XX/XX/2023 - XXXX $ XXXX XXXX $ XXXX Ga XXXX {$200.00} XXXXGa XXXX $ ATM Frees Actions taken by the company were simply outrageous stating no error was found when I have never been to Georgia. My card was lost and obviously compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've written this company several times to ask for verification of this account along with my signature of proof. They are not able to provide me with this information. They have told me that they will not re-open my dispute. This account on my credit report is negatively affecting me. I'm not able to obtain credit nor a mortgage. I would like this removed from my credit report.
Product: Mortgage

Our loan was recently transferred to GreenTree Servicing. In the transfer process, a {$1000.00} principal payment was lost and removed from our account. I sent all payment history verifying the payment was received by the previous provider and now GreenTree is holding the payment along with another {$1000.00} principal payment rather than applying it to the balance of our loan. I have contacted Greentree XXXX times with regard to this problem and have received no resolution. I believe this a a violation of our Loan Agreement per the following : '' I have the right to make payments of Principal at any time before they are due. A payment of Principal only is known as a " Prepayment. '' When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if I have not made all the monthly payments due under this Note. 

I may make a full Prepayment of partial Prepayments without paying any Prepayment charge. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under this Note .... '' Are there any actions we can take to get them to apply the funds to reducing our principal?
Product: Checking or savings account

I am filing a complaint against XXXX XXXX and XXXX XXXX from Flagstar Bank in XXXX MI ( XXXX XXXX XXXX ) for not following bank regulations for a joint account with survivorship. On XX/XX/2022, I presented my husband 's death certificate to close 3 CDs ( XXXX, XXXX ). XXXX XXXX insisted that a penalty would be applied because survivorship meant beneficiaries. I disagreed. I showed her an invoice from XXXX XXXX XXXX XXXX verifying no penalty for closing my CD account. I asked her why Flagstar is the only bank that does not follow bank regulations. She said she would consult with XXXX XXXX. When she returned, XXXX XXXX said XXXX XXXX agreed with her that survivorship meant beneficiaries, so penalties would be applied. 
I requested to speak to her supervisor. XXXX XXXX called someone and said a " waiver '' would be applied just for me. The bank should be investigated for illegal practices by using intimidation and deception.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Transunion to request a copy of my credit report and score on XX/XX/2023. I only received a copy of my credit report without the score. I attempted to contact Transunion back requesting a copy of my my score since I never received it. and I was told that because it is a second request that I would have to pay to get a copy of my score, even though I never received it upon the first request.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I requested debt validation from Experian and XXXX and received nothing to validate the debt. I have disputed with accounts several times and they sent a letter saying they changed addresses but didnt send a letter answering my request. The debt does not belong to me and they havent sent any verifiable information to say it does.
Product: Debt collection

I have received notification from XXXX there is a collection added to credit report.I have spoken with customer service at XXXX was informed wrong information until I was asked for date of birth. I was informed this is a medical acct {$85.00} for XXXX  the company do no have any documentation on file to provide to me. This is a fraud acct
Product: Credit reporting or other personal consumer reports

I am writing to address multiple issues I have encountered with the credit bureau. These issues involve inaccurate account listings, unauthorized inquiries, reporting errors, billing discrepancies, and accounts not associated with me. 

I would appreciate your assistance in promptly resolving these matters to support my financial stability.
Product: Debt collection

recently discovered several accounts on my credit report that I do not recognize, which I believe are the result of identity theft. The accounts in question are : Creditor Name : XXXX XXXX XXXX Amount Owed : {$860.00} Date XXXX
Product: Credit card

I was fraudulently enrolled in a debt protection program XX/XX/2008. It took 4 months to get a response on proof of enrollment. The letter states I was enrolled by telephone which is not factual. No such conversation took place.
Product: Credit reporting or other personal consumer reports

ACIMA DIGITAL FKA SIMP which is not liscened and barred to collect in my stste is illegally has not provided me with the original agreement from the original purchaser and requesting money from me and illegally reporting on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Account Number # : XXXX Violation of 15 U.S.C. 1681n : Experians willful noncompliance with its investigative and reporting obligations has caused undue harm to XXXX XXXX XXXX financial standing and personal reputation. As a result, We are entitled to statutory damages, punitive damages, and any other relief permitted under the statute. 

Violation of 15 U.S.C. 1681o : In addition to willful misconduct, Transunions negligent actions in failing to adequately investigate and correct this matter constitute further liability, entitling me to recover actual damages and attorneys fees. 

Breach of 15 U.S.C. 1681s-2 : XXXX XXXX XXXX  , as a furnisher of information, has provided false and inaccurate data to XXXX, failing to conduct reasonable investigations following my disputes. XXXX continued reliance on such inaccurate information exacerbates the harm and underscores its systemic failure to adhere to legal standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX DOB XXXX SS # XXXX I have several fraudulent addresses on my credit report that do not belong to me on my credit report. It is possible they belong to another XXXX XXXX XXXX that live in the XXXX XXXX. I have filed a compliant with FTC ID theft and XXXX Police dept. My only address is XXXX XXXX  XXXX XXXX XXXX OH XXXX. PLEASE REMOVE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT ACCURATE : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX I AM REQUESTING AN INVESTIGATION UNDER 609,623,611 FCRA GUIDELINES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received communication from XXXX XXXX, XXXX and XXXX XXXX notifying me of recent unauthorized credit inquiries. These inquiries occurred mostly from XXXX XXXX from multiple agencies. I am concerned as I feel an unscrupulous automobile dealer has done this. Please remove these inquiries. Companies noted with unauthorized inquiries include : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Additionally, I did not authorize the following credit inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting

I 've been trying to contact transunion credit report because I 've been monitoring it. I noticed that a were removed & have been re-inserted. I have n't received any notification or written documentation from transunion to advise me of this. I know according to the fcra this is against the law & I would like it to be corrected.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I submitted disputes regarding inaccurate information on my credit reports to [ list credit bureaus, e.g., XXXX, Equifax, XXXX ]. Despite the required 30-day investigation period outlined under the Fair Credit Reporting Act ( FCRA ), I have not received any updates or resolutions as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX  - XXXX o Incorrect account status o Included in bankruptcy XXXX. XXXX - XXXX o Incorrect balance/past due o Incorrect credit limit/high balance o Incorrect payment history o Account included in bankruptcy XXXX. XXXX  XXXX - XXXX o Incorrect payment history/rating o Incorrect credit limit/high balance o Included in bankruptcy XXXX. XXXX XXXX - XXXX XXXX Incorrect account status o Incorrect amounts ( other than balance/past due ) o Not a collection or charge-off o Included in bankruptcy XXXX. XXXX XXXX - XXXX o Included in bankruptcy XXXXXXXX XXXX XXXX - XXXX o Incorrect balance/past due o Incorrect credit limit/high balance o Incorrect payment history/rating o Account included in bankruptcy
Product: Mortgage

My hardship started when my monthly payment increased from {$1400.00} to now {$1700.00}. I requested mortgage assistance and was denied on XX/XX/2019. At that point I was told I was behind 1 monthly payment. Now the representatives at TCF bank tells me I am behind 2 mortgage payments and they won't send me a transaction history for the past year, 2019. I have had unsuccessful communication with TCF Bank in the past when I requested the mortgage assistance application. It took more than 3 months. Myself and the Housing Counselor contacted them numerous times. The other concern is that during this process on XX/XX/2019, I received a visit from XXXX XXXX he identified himself as the Vice President of TCF Bank, he said he wanted to help me and came to collect the mortgage payment. In hindsight, I probably should not have given him the check but I did because he was so aggressive. He convinced me that I would otherwise be put in foreclosure so I wrote him the check. The current representative that calls me is XXXX XXXX he will not send me the transaction history he just insists I send in 2 months payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Hard Inquiry/Unverifiable on my behave. I recently checked my credit reports with Experian, XXXX, XXXX. I have Two Hard Inquiry from company : XXXX XXXX Hard Inquiry done XX/XX/2017 and XX/XX/2017. 
XXXX XXXX XXXX, XXXX CA, XXXX XXXX XXXX XXXX XXXX. I have not yet received any return correspondence, at All.From neither companies.