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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Account # XXXX | SSN : XXXX Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : XXXX XXXX XXXX XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negative documentation impact my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than XXXX days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have XXXX days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the expressive time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would demand that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your attention and understanding in this matter. I look forward to hearing back with the positive adjustments made to correct payment history by removing everything negative inflicted on my reputation as a upstanding consumer. 


Regards, XXXX XXXX XXXX : CFPB FTC XXXX Attorney General
Product: Credit reporting, credit repair services, or other personal consumer reports

We had a Mortgage starting in XXXX with XXXX XXXX XXXX XXXX. In XXXX we filed bankruptcy at that time we re-affirmed the Mortgage. In XXXX of XXXX we refinanced our Mortgage for a lower interest rate with our credit union. At that time we found out that XXXX XXXX had not reported our Mortgage to the credit bureau 's since the bankruptcy ( for 10 years ) I had a XXXX call with a Equifax Agent and a agent with XXXX XXXX named XXXX in XX/XX/XXXX. During that call XXXX XXXX told Equifax that we had payed every payment on time every month for the last XXXX yrs and there we no late payments during that time. XXXX XXXX said I had to have asked them to start reporting to the Credit Bureau when the loan was reaffirmed and asked if I wanted that now. I said yes. Its still not reported. I have spent hours on the phone with person after person at XXXX XXXX and they always send me to another person and I get a different reason why they can not help me. They keep telling me to dispute with with the Credit Bureau. Equifax said I can not file a complaint on something that is NOT on my report and that I need to get it resolved with XXXXXXXX XXXX. I want my husband and I 's Mortgage to show on our credit report even though it is now closed since we refinanced. I want it on our Credit Report like it is for all our other loans/credit credit cards that are closed saying we paid as agreed since XXXX. I am attaching the part of my Bankruptcy where I re-affirmed the Mortgage in my bankruptcy in XXXX. Also attaching the document from Equifax saying they confirmed with XXXX that we paid our mortgage on time for the last XXXX months with no late payments. Also attaching the dispute outcome from Equifax, I could only file the dispute under the bankruptcy since my mortgage is not on my credit report. After getting the outcome I called Equifax and that is when they told me I can NOT dispute something ( the mortgage ) that is not on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to XXXX XXXX, my business and income took a drastic casualty. We were unable to pay on personal loans for the past three months. Because of this, we made the efforts to contact each of our lenders to arrange payments. Each of the lenders enrolled us into their programs to delay payments and reporting. 

However, two credit card companies have still reported missing payments. I followed up with each of the lenders, but they simply reply saying " Any credit issues should be dealt with by the credit bureaus. '' Both companies have acknowledged that their records show I am enrolled in the programs. 

The credit card companies are Capital One and XXXX. 

It is my honest assumptions that this is a system glitch. However, there could very well be something on my part that I did not do, primarily due to ignorance. This has never happened to me before! 

As my records will show, prior to COVID 19 I only had one missed payment in the last 9 years, which was my first credit card ever. 

It is my great hope and desire that my credit history and your grace will stand in the gap for me in this instance, because I am not sure what else to do. The past 4 years of my life I have maintained above a 680 credit score. In the last thee months it has dropped to almost a 500. 

In my best efforts to fix this matter, I have also taken the measure of seeking help to restore my credit. And growing in my education as much as possible.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts Account Name : XXXXXXXX XXXX XXXX Account NumberXXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Product: Credit card

On XX/XX/XXXX, they made a purchase with my capital one credit card for XXXX dollars, i recieved the notification through this bank app and immediately called to report the fraud. the bank said they were going to investigate.On the XXXX aat XXXX am i received XXXX notifications, the first that they have finished teh investigation and that i was not responsible for that, the second one said that im responsible for that charge. i called an i fight, its not fair, i have been with good credit for 5 years, making my payments on time, never late and they just not investigate like they supposed to do, they are liying to their clients with the XXXX dollars fraud responsibility.
Product: Credit reporting or other personal consumer reports

Notice to trustees This account is held in a pure irrevocable ecclesiastical trust under Gods Law and the exclusive rules of equity.

Pursuant to 15 U.S. Code 1681 - Congressional findings and statement of ( a ) Accuracy and fairness of credit reporting You purpose ( b ) Reasonable procedures You must give me equitable relief Identified by the ACCOUNT NUMBER the res and the beneficiary and the settlor were to be declared PRINCIPAL and the purpose was to settle any and all claims for and against the beneficiary then to have the trustees to return the res to the beneficiary.

claiming the ACCOUNT and all accounts and cases associated as trust res to settle any and all claims against beneficiary to have trustees return res to beneficiary the state of intent is the same as the purpose to settle all claims.

I hereby claim all right title and interest of the below described property and I am without notice of any other bonified would be otherwise bonified purchase for value or adverse claimant either by nature nor characteristic or legal or equitable rights of same and I believe that no such adverse claim exist.

I accept as grantee and return delivery same subject matter on special deposit as grantor settlor with intent and purpose to settle and close release collateral in all encumbrances for the benefit of Grantor/Settlor/Beneficiary
Product: Credit reporting

Someone opened a XXXX account under my name and now I have this negative account on my credit report. Disputed with the collections department but kept getting " verified ''. So frustrated because I tried to get this matter corrected but I am getting nowhere with the credit bureaus XXXX, Transunion and XXXX. I feel like giving up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't open this account and I want it removed. I asked for how this account was opened without me being informed over 30 days ago. I need my report corrected asap. I don't see how ppl get away with this
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling my most recent credit report I notice an entry from an insurance company I have never used. I believe this to be fraudulent and should be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I once had cash app, and one day I was kicked out of my account after I called customer service because I forgot my email. I had XXXX $ dollars on there. I called Customer Service again and they stated, me or someone was there n my account filing untruthful taxes. I never got back into my account. I lost the XXXX $ dollars and a direct deposit of XXXX $ dollars from a Non-Profit. My name is XXXX XXXX. Now, every time I try and create a Cash App, they automatically kick me out of the app. PLEASE HELP?! I dont even know how to fill taxes out. I never partook in those accusations. You can Contact me @ XXXX XXXX
Product: Student loan

I was approved to have my court reporting Institute loans Discharged and refunded through the XXXX settlement of which I am a full class member. AidAdvantage Refuses to pay me XXXX  XXXX  of the XXXX  and XXXX  of dollars that I paid an interest on these loans. They sent me a check XXXX  of dollars short. When I submitted my payments to them every single payment made, they denied everything even though I downloaded my payments off of their website. I paid on it for years and years and years and they have not sent me anything but {$1000.00} check. Theyre doing is breaking the law and violating the court ordered settlement and I want my money returned to me.
Product: Credit reporting or other personal consumer reports

I have reached out to the credit bureaus XXXX, equifax and XXXX  regarding invalid information found on my credit report. I have requested they provided detailed validation that the accounts belong to me. They have yet to provide the information or DELETE the accounts from my reports.
Product: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/XXXXon Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit file I noticed that EOS is reporting a paid medical bill however I have found out that this utility bill is a result of identity theft. I have enclosed my FTC Identity Theft Report, police report, proof of my identity and a copy of my credit report showing the fraudulent items. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 
I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday, XX/XX/2018, at about XXXX ET, I put a call through to Paypal customer care about a pending {$500.00} transfer to my Paypal account from my XXXX XXXX XXXX of Account which is taking forever to clear into my Paypal account. 

Given the fact that I needed the money as a matter of urgency, as I want to use it to buy valentine 's gift for my wife. First, I asked the representative if the clearing can be expedited which he said it can't, then I asked if the transaction can be cancelled and reverted back to my bank account, he replied no as well as it's not in their power to do so but my bank which we both agreed might not be possible as it has cleared my bank already. 

I further asked if I can get an overdraft since I have a pending transaction that will definitely clear into my account, he thereafter said he will get back to me and put me on a brief hold, when returned, he said I should type in www.paypal.com/credit and follow the procedure, I quickly asked him if its credit card as what I want is kind of an overdraft and not credit card, he replied no. I followed the procedure and was thereafter denied whatever credit it is. 

To my surprise, I received an email from XXXX XXXX that someone ran my credit and it affected my score and it turned out to be Paypal despite my repeated warnings to the agent and his assurance that I don't want credit card, Paypal went ahead to run my credit and it brought it down from XXXX to XXXX. 

I need a redress and necessary compensation. 

Thank you.
Product: Credit reporting or other personal consumer reports

TransUnion has allowed incorrect collections in my account. The reported collection is not my collection. This is the XXXX  time in XXXX months that Transunion allows the same collection to be reported in my credit report. Please remove the collection immediately.
Product: Credit reporting or other personal consumer reports

The credit agencies are allowing XXXX to report partial information. The balance is missing. Balance is XXXX. Please fix or remove.
Product: Mortgage

We applied for a refinance on XXXX XXXX with Third Federal. We entered the date that we requested to close on the refinance for XXXX XXXX. We submitted additional documents after the initial application and Third Federal did not communicate that they were not able to close by XXXX XXXX. Our credit was pulled, we submitted w-2s, bank statements and tax statements at a later time than the XX/XX/XXXX. At no time did they include or disclose that we would not be able to close on the date requested. We contacted them the week of the XX/XX/XXXX to find out the status and a date for closing. We were told that it would be 4 months possibly more depending on underwriting. XXXX XXXX with the XXXX office told me on Tuesday XX/XX/XXXX that half of the application had not been reviewed. I asked if anyone was going to contact us to let us know that we were not closing on the date asked and she said no why would we. An appraisal was done on the property and would not have been done, and an extra pull on our credit. Third Federal was not clear about their business practices and let us think that we could pick the date to close by posting it on the application. They also did not provide a rate lock and have no idea what the rate could be in 4+ months. It was very misleading and a misrepresentation of their process.
Product: Mortgage

WE ARE GOING TO START A INVESTIGATION ON OUR TOXIC MORTGAGE WE HAVE WITH SELECT PORTFOLIO SERVICING INC. 

UNDER OUR HOMEOWNER BILL OF RIGHTS YOU NEED TO INVESTIGATE THESE VIOLATIONS ON OUR MORTGAGE. 

WHEN YOU COMPLETE YOUR INVESTIGATION ON OUR REQUEST MAIL YOUR COMPLETED INVESTIGATION VIA UNITED STATES POSTAL SERVICE TO OUR HOME ADDRESS XXXX XXXX XXXX XXXX XXXX CA XXXX 1. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( A ) 2. VIOLATION OF CALIFORNIA CIVIL CODE 2923.55 3. VIOLATION OF CALIFORNIA CIVIL CODE 2923.7 4.VIOLATION OF CALIFORNIA CIVIL CODE 2924.9 5. VIOLATION OF CALIFORNIA CIVIL CODE 2924.10.

6. VIOLATION OF CALIFORNIA CIVIL CODE 2923.17 7. VIOLATION OF CALIFORNIA CIVIL CODE 2924.18 8. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( C ) 9. BREACH OF IMPLIED COVENANT OF GOOD FAITH AND FAIR DEALING 10. VIOLATION OF THE UNFAIR COMPETITION ACT CALIFORNIA BUSINESS & PROFESSIONS CODE 17200, ET SEO 11.  NEGLIGENCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX *XX/XX/2019 XXXX XXXX* ACCOUNT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, so In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX # : XXXX, XXXX XXXX : # : XXXX, XXXX XXXX XXXX XXXX : # : XXXX, XXXX XXXX XXXX : # : XXXX, have 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. 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: Money transfer, virtual currency, or money service

I am the victim of an employment scam. I received a check of {$2900.00} from the fraudulent company on the XXXXXXXX XXXX XXXXXXXX. 
XX/XX/XXXX funds for a check that XXXX mobile deposited was available for use. I transferred a set amount of {$2800.00} to another person as instructed by the fraudulent company. By the morning of XX/XX/XXXX the funds were transferred and then the check was bounced. Causing an additional {$2900.00} to be taken from my account leaving my account balance to be in the negative of {$670.00}. I proceeded to call my Bank to report the situation and was told nothing could be done for me and that I was at fault for not knowing the check was a bad check and that their Fraud department will be unable to help. As well as not waiving the overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I have been working on my credit now for the last several months to buy a home, I want to first say thank you for having a place for people like myself to come to if we have problems and don't know what else to do. 

The courts put my home on the market after my divorce and so I've been working hard to rebuild my credit, with doing things like paid off all medical bills, having old accounts removed, made all my student loan and car loan payments on time for the last two years. my score has gone up almost 100 pts., which I have been so happy about. 
I wrote yall back in XXXX about XXXX XXXX removing a late payment, that was not late. I didn't get very far at the time because I failed to follow through with giving them the exact day, after having taken time to review the last year of payments, I was able to find the mistake, I contacted them and they opened a case for me on it, I'm pleased to say XXXX XXXX was very willing to give me a letter to show that they did indeed report for XX/XX/2018 as an on-time payment. I'm so grateful she took the time to fax my loan officer the letter. I've reached out to the credit reporting company several times to get it removed and the loan officer faxed them the letter also but no luck so far. 

The courts have him paying our XXXX a month house payment and his family isn't happy about it, It's been over a year so I don't blame them. I go to court on the XXXX of this month and was hoping to have this corrected before then so my loan could be approved. 

My ex-hired one of the number one IT consulting firms in the world! 

They have much to my surprise accessed many of the medical records and have done things like call to have me pay over the phone for medical bills that shouldn't have existed but they would say that its a collections company and I was afraid it would go on my credit and so I would pay it, well after getting so many I started to make notes of accounts and get them to give me the information on my file, I then began to realize it was the same people and bills, yes! some of the same ones asking me to pay them again. it's important that I stay focused on my kids future and move on rebuilding a life we love but until our loan is approved it's very difficult to do.