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

I purchased my triple credit report on XX/XX/XXXX I don't understand why these 3 bureaus have totally different information, inaccurate, Inconsistent information if the information came from one creditor. 

It has several FCRA XXXX XXXX XXXXXXXX XXXX  & XXXX : It's inaccurate and inconsistent, it's not reported the same as required by law. 

1. Date of Last Activity inconsistent/Inaccurate : XXXX  XX/XX/XXXX, XXXX XXXXXX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX. Payment History : XXXX XXXX XXXXXXXX XXXX has been reported XXXX times on XXXX  but It was charged off one time. 
NO payment history on XXXX, it's inaccurate XXXX  XXXX  days late : XXXX XXXXXXXX, XXXX XXXX days late. 
This should be the same on all 3 bureaus 3. Close Date Inconsistent/ Inaccurate ; XXXX XX/XX/XXXX, XXXX  No Date, XXXX NO Date 4. High Balance Inconsistent/ Inaccurate ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Terms : Not Listed on XXXXXXXX XXXX  or XXXX
Product: Credit reporting

I contacted XXXX regarding the sudden drop of my credit score. I noticed after being denied for an apartment that there were unauthorized accounts on my report. I asked Equifax to provide the paperwork submitted to them by the reporting companies and their response was they have submitted request to the companies for the documents. This is a violation of Section 609 of the FCRA which states that signed consumer contracts must be submitted and verified before reporting accounts, not afterwards. I am also not giving authorization to Equifax to report the accounts that I listed on the letter and I request their immediate removal.
Product: Bank account or service

On XXXX, my boyfriend at the time and his business partner, forgery XXXX checks from my personal checking account XXXX for {$100000.00} and another XXXX for {$10000.00}. I Submit my claim to the bank and to the Police Department, I got copy of the transactions, checks withdrawn from my checking account and deposited into another bank one account, proof of claim notarized by the bank and police report, and wait for 18 years, until a couple days ago finally the Executive Office from Chase call me and stated that they can not pay me my claim because of the time. my claim with Chase Bank is XXXX XXXX XXXX XXXX The lady that contact me from Chase Executive Office, to give me the news, really do n't know what to say, she shay to me that the investigation for my case was done and they found no claim on my case because is no documents to proof the claim, then I ask her what type of investigation they did if they do n't have any documents, she put me on hold and later she say that they do n't have any documentation on my claim. I send copies of my claim maybe 15 or more times throughout these years but they always will say that they misplaced and ask me to send it again and again. she finally say, XXXX yes we have some paper but does n't have anything that proof the claim. I 'm really frustrated please help. If I need to press charges against these people I will do it, but please help
Product: Credit reporting

I had items deleted that came back on my credit today and I am trying to get them removes again and hopefully the will not appear again. This took place  XXXX  and now there back in  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a replacement card for my XXXX credit card in XX/XX/2021. In XX/XX/2021, Experian reported that my XXXX credit account is closed under settlement, and because of that wrong updation, they dropped my credit score by 113 points. 

I raised a dispute on XX/XX/XXXX and got it resolved on XX/XX/XXXX in my favor, reversing my credit score drop. XXXX confirmed to me that they never reported a settlement. 

Again, on XX/XX/XXXX, Experian reported that the same credit card is closed under settlement and dropped my credit score by 103. I'm trying to contact Experian since then but seems that they will open their doors to receive a complaint only if I take some membership from them. What a pathetic way to upsell their products? 

I tried to raise a dispute online but their website says a dispute for this account can not be filed online. I tried to call the phone number the website asked me to call to file the dispute. 

However, the automated system doesn't connect me to a representative to file a dispute. Whenever I select an option that is not related to membership, the automated system suggests using their website and disconnects the call. 

I contacted XXXX and they said they didn't report a settlement and I have to contact Experian. Seems the only way to contact Experian is by taking a membership. I would have spent more than 10hours trying to resolve this from the start. Now, Experian is using tricks to make me pay for a mistake of their own. 

I'm trying to take a loan for the past 2-3 months, but because of Experian 's mistakes and unwillingness to help, I couldn't take loan ( I don't want to take a loan at exorbitant interest rates )
Product: Mortgage

Hi, I am writing to ask for your help with regards to my mortgage lender > The Money Source. 
In early XXXX, I contacted this company thru their website. I informed them that I am having a hard time making my mortgage payment due to the pandemic. I notified them that I lost about 30 % of my income. So, I asked them if they have a program that could help me lower my monthly payments. About a few days later, I had a call from one of their representatives and asked me if I am interested in discussing this matter with a person from XXXX. I agreed. That person from XXXX is very helpful and friendly. He tried to help us get a loan ( still under process ) to lower our payments. 
While this refinancing is in progress, I was under the impression that my mortgage is under forbearance ( something new to me ). Since money was tight, I was not able to pay my mortgage on time in the XXXX of XXXX. I had some money that arrived from the tax refund ( of which I was saving for the closing cost for the refinancing. ) Consequently, I was not able to pay my XXXX mortgage and The Money Source reported this as delinquent to the credit bureaus. My son and I co-signed for the purchase of our home. Therefore, our credit scores were badly affected by the report. 
Upon realizing that our credit reports dropped substantially, I called TMS and asked what happened, since I previously told them that I asked for their help with my mortgage payments due to my hardship as a result of the pandemic. TMS representative told me that my case didn't go under forbearance, unfortunately, so they reported my one month delinquent mortgage payment to the credit bureaus. 
My main concern is that my son who is XXXX years old, just started a new job with an Investment Banking company, is on the brink of losing his job because of a negative credit score ( thru no fault of his own ). 
To be able to get approved for our current refinancing will be a tremendous help to our finances. And I believe that to have our credit back to positive ( where it was before the delinquent payment report ) would help us get an approval for the refinancing we're doing now. Note : I immediately paid the one month payment due last XXXX on XX/XX/XXXX. 

Please help us resolve this problem. Thank you for your anticipated assistance. 

Sincerely, XXXX XXXX email> XXXX Cell phone # XXXX XXXX loan # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$470.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2200.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3000.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5500.00} ), XXXX - XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$3300.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$20000.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

For at least 2 years now, I have been unable to obtain my Credit Reports online. Each time I try, I get an error message saying : " Unable to Complete Your Request Online Unfortunately, your request can not be fulfilled online at this time. 
Please request your report using one of the other options below. '' In some cases I can reach the 5 questions about my credit history to verify my identity, but even though I know I answered the questions correctly, I still get an error message similiar to the one above. 

This is unacceptable as it forces me to waste my time applying for my reports either via phone or via USPS, while I should be able to have the convienance of using the wesite like every other consumer does. 

Please contact the relevant agencys so that I may correct this issue promptly. 

Thank you for your time and have a Happy Holiday Season!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$550.00} XXXXXXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$540.00} XXXXXXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$690.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, not therefore any such debt, in fact therefore exist
Product: Checking or savings account

Checking and saving were open in my former name. Contact the bank to report fraud and to have account closed. I was told someone will send me a letter telling me the account was closed.
Product: Money transfers

I used Paypal to pay for a large welder which was to be palletized and shipped across several states. I paid trucking co independent of seller. Seller did not bother to secure the welder or any of its accessories to the pallet upon which it was shipped and of course it arrived damaged which cost me many hours of time and a significant portion of the cost of welder and shipping to repair to functional, much less aesthetically the same as when it left sellers shop. I filed a complaint against seller, weeks later Paypal tells me only way to resolve the case was to ship it back to seller at my own cost, after I had already paid the costs to repair machine because I needed to use it and did n't have enough money extra to buy a second welder while I waited on a response from Paypal. I appealed this decision, Paypal contacted seller for their response, seller did not agree to a refund and Paypal told me there was nothing they could do. At this point nearly 60 days had passed so I contacted my credit card issuer to do a chargeback, they have no online dispute process so I 'm forced to mail dispute information and after receiving it credit card company tells me that because they did n't receive it within 60 days of the original charge they are unwilling to do anything to help me. I believe that Paypal deliberately draws out the length of their dispute resolution process to avoid the possibility of a chargeback when they fail to protect their customers from negligent or scamming sellers.
Product: Bank account or service

On XXXX XXXX, 2015, I called a company to order flowers named " XXXX '', using my TD Bank debit card. This company signed me up for a monthly club without my consent or even asking me. Since then, I have been getting a charge of {$9.00} a month on my TD Bank account. I cancelled my debit card in XX/XX/XXXX, but somehow the company found a way to keep charging my account. This is tantamount to fraud. 
I have been trying to work with TD Bank since XX/XX/XXXX to dispute these monthly charges on my account, but they have frustrated me at every turn. First they said they would not investigate until I provided a " membership agreement ''. I obviously did not have one, as I never signed up for anything. In the last attempt, I wrote to the home office. They sent me a letter saying that they checked their records, and everything seemed fine, but they would dispute it with the merchant if I responded to their letter with additional information. I responded with this information the day I received the letter. When I called to inquire on the status in XX/XX/XXXX, I was informed that they closed the investigation because I did n't respond quickly enough! Then in early XX/XX/XXXX, I wrote another letter to the home office to complain. In it, I requested they perform an actual, real investigation of these fraudulent charges, and that they close the account. They have not responded to this letter at all.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Request for Correction of Inaccurate Credit Report Information Dear CFPB, I am writing to formally request your assistance in correcting inaccurate information on my credit report. I recently reviewed my Equifax credit report and noticed that it incorrectly lists a balance of {$24.00} on my XXXX credit card. However, my XXXX credit report accurately reflects a {$0.00} balance. 

I have attached a screenshot of my XXXX account which clearly shows a {$0.00} balance. I believe this discrepancy needs to be addressed to ensure that my credit report accurately reflects my financial standing. 

I kindly ask that you investigate this matter and assist in updating the information to the correct amount. Thank you for your attention to this issue. 

Sincerely,
Product: Debt collection

Victim of identity theft information was stolen in a breach mainly XXXX. And others
Product: Mortgage

In XX/XX/XXXX, i started working with an agent to help me sell my home through a short sale. We started the process with Shellpoint when I was made aware that town consider this property condemned and had scheduled for the property to be demolished XX/XX/XXXX. The reason I fell behind i was going to renovate the property and when the construction began i was advised that there was asbestos all through out the house. I then tried filing a claim through my insurance and they denied the claims. I was getting quotes from several for asbestos removal and the cost was to much for me to cover on my own and the insurance company wasn't willing to cover any of the cost. I could no longer live in the home due to the asbestos so i had to go find somewhere to live. I couldn't cover both the mortgage and rent. I since have been seeking a resolution with no end results. The short process started and an appraisal was completed. The negotiator and me where trying to get the property value as time was of the essence as the town had given me a deadline to get this resolved with Shellpoint by XX/XX/XXXX. The negotiator was told that the property value was {$3800.00} for the land value. He kept giving the run around stating that he would contact the investor which is XXXX XXXX. Then they came back with with a suppose value $ XXXX for a property that has no structure. I then contact XXXX XXXX and had a case opened and they told me the same that there is nothing they can do that the value is the value and nothing can be done about it. So at the end of it all nothing got resolved. The town will be demolishing the in XXXX and those expense will be on me and the the investor which i do not have the funds to cover a large expense. I just want to be able to sell this property and move on with my life.
Product: Payday loan, title loan, or personal loan

This is the second time I have filed a complaint. Please reference complaint ID XXXX. Their response is that there are bad actors out there that send this type of collection letter and they are not responsible for that. Please address this again. I believe they are sending this threatening letter and are lying about it. 
Thanks
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AT XXXX has violated my rights 15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and vou are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act.. XXXX XXXX account number XXXX, has violated my rights. 
15U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C SECTION 604 A SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY RWRITTEN INSTRUCTIONS
Product: Debt collection

I received an email alert from XXXX. When I checked the alert, I was notified that a collection had been added to my credit report and my credit score dropped XXXX points. The collection was from Key 2 Recovery, a company I had no prior knowledge of or agreement with. It states that the original lender was " XXXX XXXX XXXX. '' This was shocking since I have not attended XXXX XXXX XXXX  in 21 years. In Oklahoma, a debt from 21 years ago can not be added to your credit report as a new debt. I have worked for years to repair my credit. My credit is used in my business as well. Please help me. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation ( complaint attached ). I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my credit report.
Product: Credit card or prepaid card

Kohls Credit Card. 
1. They disconnected my account from autopay that I had been on for years without notifying me, and then charged me interest for not paying.

2. I paid the bill by copying and pasting my account information from the bank site to the Kohls site, and I contacted them complaining about what they had done.

3. After I contacted them they returned my $ $ and said I entered the wrong account information- which I know I didn't do because I literally copied and pasted it from my bank 's website, and I double checked it on entry. Then once again they didn't contact me- until after I had paid again.

4. I paid them for everything I charged but none of their fees because they were the ones that initiated and compounded the problem. They can see from my history that I am a person that pays in full each month and they should be able to see that they disconnected me from my autopay without notification. I contacted them, but they only responded by sending me a snail mail asking why I hadn't paid my bill- which doesn't make any sense since I had already contacted them twice about this online. 
5. I haven't heard anything from them. Silence. I just want my account zeroed out and closed. I will never shop there again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$11000.00}
Product: Mortgage

Mortgage servicer Loancare has repeatedly failed to credit our account after cashing payments. Just months ago fought through their system to get our payments credited to account but now its happened again and they are negatively impacting our credit rating and in essence creating a XXXX job for us to have our payments credited.
Product: Debt collection

I have never been to this establishment, never even heard of them. When I XXXX them they have many other complaints in their reviews of people saying the exact same thing that this company reported a negative account to their credit report and they have never been to this place or heard of them. Ive disputed this multiple times and it is not yet removed from my credit report. I filed a complaint with XXXX also. Its not right that people can get away with fraudulently reporting to credit reports. Ive called this place multiple times and never get and answer.