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

i have been challenging the accurate reporting of account for XXXX  to all 3 credit bureaus for 6 months and this always comes back verified as accurate ... how can this be when the reporting is not 100 % the same within all 3 bureaus ... in fact XXXX has yet to even add the comment saying it is in dispute that in itself is a violation ... .high credit limits are not consistant between the 3 bureaus, credit limits are not consistant between the 3 bureaus, comments are not consistant between the 3 bureaus, date of last active are not consistant between the 3 bureaus, date of last payment are not consistant between the 3 bureaus, look also at the 2 year history on the bottom as well are not consistant between the 3 bureaus ... ..they have obviously not conducted proper investigations ... they are pencil whipping ... .they need to be held accountable as this account is not reporting 100 % accurately ... delete this now
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim if the XXXX data breach there is a Charge off account XXXX XXXX XXXX XXXX XXXX reporting on my XXXX and Transunion credit reports. Both XXXX and Transunion have not been able to provide a copy of the 1099-c form or any other documents to verify and validate this account.I am afraid this is a result of the XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent letters to Experian, XXXX, and XXXX regarding inaccurate and unknown things that they are reporting on my credit report. 
I have yet to receive a response for the items that needs to be corrected. I feel like I have been reaching out forever about this situation and I feel that I am being taken advantage of also being ignored. Correcting this information is very important to me as it is hindering me from the Employment that I am seeking. Experian, XXXX, and XXXX are acting as if my needs aren't important to fix my disputes. 
Section 611 ( a ), plainly stated, a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. it has been over 45 days and still have not received a response with this information corrected. the items need to be deleted promptly. 
I will file for litigation due to the stress that I am going through to get these items deleted from my report. 
The Credit Bureaus have also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) Each bureau is supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). These account needs to be deleted for inaccuracies. I will attach a picture of the violations that are being reported. 

How is it possible for each Credit Bureau report in payment history Ok and Past Due in the same month? Also have 3 different dates last active? this picture is full of violations, and they need to delete this account from my credit report because it isn't accurate here is Tracking numbers for XXXX XXXX XXXX XXXX XXXX XXXX Here is Tracking Number for XXXX XXXX XXXX XXXX XXXX XXXX Here is Tracking Number for Experian XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I, XXXX XXXX XXXX received a bill in my mail at address located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX on XX/XX/XXXX  from 1st Franklin Financial for a loan that was allegedly taken out via cashing of a mail check in the amount of XXXX on XX/XX/23. Upon reviewing this bill, I realized that I have never and would never cash a check from said company. The following day I went down in person to the local branch of said company located at XXXX XXXX XXXX XXXX XXXX XXXX Ga, XXXX and spoke with two employees regarding the fraudulent charge. An employee there provided me with a copy of the check that was cashed in my name on XX/XX/XXXX  in an account with XXXX XXXX XXXX XXXX via mobile deposit. I have never had an account with said bank. The number on said check was XXXX. The signature on the back of the check was forged, and an un readable signature was written beside my name. The phone number on file both on the check and in 1st Franklin Financials system as provided by both employees was that of XXXX matching neither my personal or work phone number or any associates or relatives of myself. Also included on the back of the fraudulent check was the first three of a Social Security Number of XXXX, again not matching myself or any known associates or relatives. After gathering this information I then proceeded directly to the XXXX XXXX Sheriffs Office to file a police report for fraud and forgery. I spoke with XXXX XXXX ( XXXX XXXX XXXX ) and filed a complete police report under forgery and fraud. The case number provided was XXXX. XXXX XXXX advised me that I cold pick up an official copy of the full report within 3 to 5 business days from the date the report was filed on XX/XX/23. I then returned to the office of 1st Franklin financial located at the address mentioned previously, and spoke with the same employee and provided a copy of drivers license and the pamphlet with the officers name and case number provided to me by the Sheriff. Employee took copies of information. I was then advised that once the official police report was made available to bring it back along with a copy of signature to be provided to the fraud department of 1st Franklin Financial. I agreed and will return with information as soon as available. I then reached out to the fraud hotline of XXXX XXXX XXXX XXXX at XXXX. I spoke with the agent over the phone who located that check and opened a fraud claim. The agent advised me that I would receive mail correspondence in 3 to 5 business days. From there I was advised to file with the CFPB as was done on XX/XX/23.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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
Product: Credit card or prepaid card

I had a promotional amount that was not earning interest for a time with this credit card, though I knew I could not pay the card off during this time, so I knew eventually the 6 months of interest would be put on. When the interest finally went on last week, it ended up making my card over the limit and I do not have the ability at this moment to pay an extra {$75.00} to get it below the limit. I would like to have an emergency credit increase for this card, even if just temporary, so that while I am over my limit, that is not being reported to credit bureaus and worsening my credit. I have applied through synchrony, but am being denied for an increase of any amount.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX  NY XXXX ; XXXX XXXX XXXX, XXXX XXXX, NY XXXX FRAUDULENT ACCOUNTS : XXXX XXXXXXXX XXXX # XXXX OPENED XX/XX/XXXX. {$1500.00}. CHARGE OFF CREDIT CARD XXXX XXXX. ACCT # XXXX OPENED XX/XX/XXXX {$240.00}. COLLECTION ACCOUNT XXXX XXXX. ACCT # XXXX. OPENED XX/XX/XXXX. {$1500.00}. CREDIT CARD XXXX XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX COLLECTION ACCOUNT These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the ACCOUNTS/ADDRESSES in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681
Product: Mortgage

My mortgage was handled by XXXX XXXX XXXX when we received the load it was then transfered to freedom mortgage. Somewhere along the way and neither one of them know. {$1600.00} vanished from my escrow account. Now I have to pay it back or my payment will jump {$150.00} per month. I paid the check today although it will put us in a bind for a while.

I've called them three times to deal with this. 
It's pretty simple I pay {$3000.00} a year taxes/insurance/fees I pay XXXX month in escrow which equals {$3100.00} there is no way I'm missing XXXX in escrow I have had for 2 two years.

I see online that both companies have been in trouble for shady policies in the past. How is this stuff still possible after the shady mortgage problems in the last ten years.

How are these companies still allowed to even transfer loans like they do. 
I want this looked at since apparently I'm told a lawyer will cost me more than just giving them the money like I have to do. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect and unauthorized inquiries were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 15 days. 

Personal Information : XXXX XXXX Inquiries : 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 or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Checking or savings account

I sell online for XXXX. During XXXX I always have a larger deposit because we specialize in toys. I have been with this bank for 4 years and the pattern is evident. This year when we got a large deposit they froze my funds and closed my debit card because of the amount of the deposit. When I called to find out what was going on, I was informed that the bank had decided to end our relationship. I had no access to any money, couldnt log onto my online account, and none of my cards worked. I am still in the waiting period for my funds to be mailed to me. I have incurred bounced check fees, online reversals of payments, delays in deposits from other sources, and just general frustration. How can banks do this to people? I literally have XXXX in the bank but cant get gas.
Product: Credit reporting

This company has reported information on our credit report. It needs to be corrected. This is a letter sent to them. 

XXXX XXXX, 2016 XXXX/Executive Services Legal Department XXXX XXXX XXXX XXXX : Per our conversation of today, I am faxing this complaint. 
In XXXX we applied for a Modification. We have not been late with you and have continued to pay our payments through the trial period on time. We have an {$8000.00} Line of Credit. We are quite disturbed to find out the XXXX has posted a 30 day and 60 day late on our Credit Report ( see attached ). We were never notified of this practice and were not informed " if '' we proceeded with the Modification that this would happen! This is against the law and we want this removed and corrected IMMEDIATELY! 
I am attaching the copies of our payments for the last three months, Trial payments as well as a copy of our Credit Report item in this complaint. 
Please contact us immediately upon receipt of this notification. 
Sincerely,
Product: Credit card

On XX/XX/year>, a vendor issued a refund to my Barclay Bank credit card in the amount of {$23.00}. Because I never received the credit to my card, I filed a dispute with Barclay Bank. On XX/XX/year>, Barclay Bank advised me that the issue had been resolved and I would see the credit on my next billing statement. This as never occurred, and beginning on XX/XX/XXXX, I called every single week asking why the credit was not yet reflected on my account. I kept being told that the person who answered the phone had no authority to actually do anything but that my concerns would be " escalated. '' Every single person I spoke to could identify the issue, the credit that was due to me, and could not give me any information. On XX/XX/XXXX, the person that I spoke to advised me that a manager would call me back and I should be sure to keep my phone at my side at all times. On XX/XX/XXXX, I called back and was told that there was never any request put through for a manager to call me back the previous week. I advised them that if I did not receive a call from a manager and if my refund was not processed asap, I would be filing this complaint. I received a call from an unidentified number on XX/XX/year>, requesting personal information such as my birthdate, social security number, etc. I hung up and called Barclay Bank, and I was ultimately transferred to an account manager named XXXX. She assured me that she had processed my refund a few minutes before my call and I would see it on my account in 24 to 48 hours. It has now been five days, and there is no refund posted to my account. I am really concerned because I returned an item to a different vendor a week ago, with an expected refund to this account, and I have not yet received that refund, either. Everyone apologizes, tells me they understand why I'm upset and frustrated, but every customer service rep who answers the phone states they are unable to do any productive or give me any definitive answers, and they can not transfer me to anyone who can. I did tell the account manager, XXXX, that if I did not receive my refund as promised, I would be contacting your agency.
Product: Credit reporting or other personal consumer reports

Please ensure the unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not create or authorize these accounts and do not recognize them. As per USC 1681g, I am requesting their removal within 15 days. Enclosed are supporting documents for your review.
Product: Credit reporting or other personal consumer reports

Discharged Bankruptcy Debts are wrongly being reported. Debts that were included in my XXXX XXXX Bankruptcy after discharge have not been removed from my credit reports. After a debt has been discharged in a bankruptcy, it should be removed from the consumers credit report. Failure to do so within a reasonable amount of time, can be a violation of the Fair Credit Reporting Act Law. The Federal Rule of Bankruptcy Procedure 9037 States the following : RESPONSIBILITY FOR REDACTION Federal Rule of Bankruptcy Procedure 9037 governs the privacy and security of information filed with the Court. With the exception of transcripts, redaction/removal of personal identifiers to limit access to the information filed with the Court is the responsibility of the person filing documents. 

Specifically, the filer must limit the information to the following : 1. Last four digits of the social-security number or taxpayer-identification number ; 2. Year of the individuals birth ; 3. Minors initials ; and 4. Last four digits of the financial account number, except the redaction requirement does not apply to the following : a. Financial-account number that identifies the property allegedly subject to forfeiture in a forfeiture proceeding ; b. The record of an administrative or agency proceeding unless filed with a proof of claim ; c. The official record of a state-court proceeding ; d. The record of a court or tribunal, if that record was not subject to the redaction requirement when originally filed ; e. A filing covered by subdivision ( c ) of this rule ; and f. A filing that is subject to 110 of the U.S. Bankruptcy Code.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 


Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 

I Request You to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide us with the details of the system adopted by your organization to determine whether the transaction took place or not. 

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following : I demand that you delete the charge offs on my report from XXXX and XXXX XXXX XXXX I also demand that all my late payments form XXXX XXXX and self get updated to paid on time. 

Thank you for your cooperations Sincerely, XXXX XXXX XXXX. XXXX
Product: Debt collection

Thank you for your help I Disputed this account and this is what they sent back. 
This Creditor did not Respond with the Information I Request in my letter.

I asked for Debt VALIDATION with my name their name and my signature to the debt with them Professional debt meditation, inc. not a Request For Verification or proof of mailing address. 
I need a document with their name, my name and my Signature
Product: Credit reporting or other personal consumer reports

I'm putting down to give my strain concerning the tested accounts on my credit report. On different occasions, I have raised the issue of slips up in these records, and have reliably referred to that they be completely dissected. No matter what my endeavors, I eventually can't get any goal or restorative development. These stirred up records are really harming my credit report and obliterating my capacity to go on with a typical life. The horrible aftereffects of these bumbles have caused enormous difficulties for me, and I'm left with no decision beside to fight for your help with changing what's going on at the earliest entryway. I nicely demand that you lead a complete evaluation concerning the determining of these tested records. It is fundamental that the chief advances are taken to resuscitate and address my credit report immediately. With your assistance, I need to reestablish the exactness and fairness of my credit document so I could recover command over my cash related flourishing. I genuinely ask you to offer this matter your generally unbelievable idea and make an expedient move. Your collaboration and moving in settling this issue quickly would be enormously significant. Grateful to you right off the bat for your comprehension and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.