23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX regarding the inaccuracies and unresolved issues in my credit report concerning my XXXX XXXX account. Despite my previous disputes, XXXX has failed to accurately update my payment history and account status. 
Account Details : Account Name : XXXX Financial Account Number : XXXX... 
Date Opened : XX/XX/XXXX Dispute Details : I received an extension from XXXX XXXX for payments for the months of XXXX and XX/XX/XXXX, which pushed my payments to XX/XX/XXXX. My next payment was due on XX/XX/XXXX. Despite this extension, XXXX continues to report late payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( which was paid on time ), negatively impacting my credit score. I have provided evidence of the extension to XXXX, but the errors have not been corrected. 
Account History : XX/XX/XXXX : Reported 60 days past due XX/XX/XXXX : Reported 30 days past due XX/XX/XXXX : Reported 30 days past due I have attached a screenshot of my XXXX report showing the incorrect information. I request the CFPB to assist in resolving this matter by ensuring XXXX accurately updates my payment history and removes the incorrect late payment entries. 
Attachments : Screenshot of the XXXX report XXXX XXXX XX/XX/XXXX Statement XXXX XXXX XX/XX/XXXX Statement XXXX XXXX Payment Extension Agreement Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a visitor at XXXX XXXX XXXXs. They harassed and stalked me for days. They gave me a lot of alcohol and documents to sign. I woke up with a time share and mortgage I did not want. I asked them to remove it because I only wanted a free vacation. They used bribery and aggression in order to follow me and get me to sign while XXXX. Please remove this account from my profile. XXXX and XXXX do not report the account. It only shows via Experian. Please remove immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted documentation to XXXX several times regarding the fraud account with XXXX and they keep putting it on my credit report. They said that they can continue to report the false information due to XXXX continuing to report it to them although I have already proven with Transunion the the account is due to fraud. 

XXXX collection account # XXXX I am a victim of fraud. I never attempted to live in Arizona, attached are my lease agreements to prove that I have always had an active lease in good standing in Florida, the same criminal also opened a XXXX XXXX  account in Arizona. Transunion continues to report information that is hindering my ability to find a home for my family although they are aware that this is a fraudulent account.
Product: Checking or savings account

I called what i thought was XXXX  support ( XXXX ) to help me with a computer issue, and the person on the phone had me download an app so he could see what i was doing on my screen and had me send him money via XXXX XXXX. He had me delete my card and add his, then remove his and put mine back, in hindsight he was obviously lying but i was frazzled and worried about my computer. I told him i didn't want to pay anything and he told me that I wasn't paying anything. I sent him {$870.00}, and then realized what had happened and hung up on him. I called the bank and we cancelled my debit card and i made a fraud claim. I also called XXXX XXXX support but was told they couldn't help me because the transaction went through my bank card.
Product: Mortgage

I have been trying to cancel my PMI as it states after 2 years it automatically cancels in my contract. I have tried to reach out by phone and email to my service provider the answer I get since XXXX is instructions will be sent in 10 business days it is now XXXX my PMI is {$280.00}. Every month they delay places me in financial hardship. I received a letter stating Im not able to remove PMI with no explanation and Ive never submitted the application for review so Im not sure how it was denied. I am current on my payments. The loan has been more than 2 years from XX/XX/2020. This is one of the worse lenders I have dealt with I started having problems since they took my loan over. They also miss calculated my taxes causing problems with my monthly payment and account. They sent a check to me that should have gone to my taxes they told me to make payment directly from check that was sent so I did but then they sent a payment on there end and said my account was negative for escrow and taxes. Then i had to call property tax and they sent they sent them a refund that never showed in my account. Please help Im not new to owning a home and I have never had such bad experiences.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off on XX/XX/2023. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking #.

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Account XXXX XXXX XXXX XXXX account # XXXX Opened Fraudulently on XX/XX/2023 {$13000.00}
Product: Credit card or prepaid card

I applied for a credit card with Citi Bank. I got the card but never activated it or used it. I received an email say my payment was overdue. When I contacted Citi via phone on XX/XX/2021 and was told the fee was a membership fee. I informed the person I was speaking to that I had never activated the card and that I shouldn't be charged the fee. He told me it was my obligation to pay it, which angered me since the last time I had my credit pulled by FICO score was over 800 - I've never missed a payment in my life. The agent still said I was liable for the payment. I then told him to close my account and that I wanted the fee waived or I was going to file a CFPB complaint. At that point the agent put me on hold so that he could talk to his supervisor. I was kept on hold for a few minutes and then he came back on the line and told me he was waiving the fee and closing the account. I asked for proof in writing of such and was told that I would receive an email saying the account was closed and the fee was waived within 24-48 hours. The next day, XX/XX/XXXX, I received an email saying the account was closed, but nothing saying the fee was waived. On Thursday, XX/XX/XXXX I received a voicemail telling me my payment was overdue. I called Citi again and was told that I still owed the fee. I told them what the agent I spoke to on the XXXX told me. I was placed on hold. The person I was speaking to came back on the line after a few minutes and told me that the notes from my previous conversation stating that I was told that I was still liable for the fee. That simply isn't true. I was told the fee was waived. In the interest of keeping my credit profile sterling, I paid the {$99.00} fee. I feel like I was being extorted my a mob family rather than dealing with one of the largest banks in the country. I was absolutely lied to about the fee being waived. At what point are these large banks going to be held accountable to the American people? I want my {$99.00} back.
Product: Credit reporting or other personal consumer reports

( XXXX, XXXX ), ( XXXX ), ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the 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 a personal credit card at XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ) a personal credit card opened at XXXX  XXXX XXXX on XX/XX/XXXX Account number ( XXXX  ) a personal credit card opened at XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ) a personal credit card opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXXXXXX  Account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 
All of the aforementioned accounts, collections, and hard inquiries 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, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

While I was purchasing XXXX XXXX XXXX  from Southwest Airlines on XX/XX/year>, I clicked on an offer on the Southwest website to apply for a Southwest XXXX XXXX Credit Card with no annual fee that would provide a {$200.00} statement credit if I purchased a few XXXXXXXX XXXX with the card within the first XXXXXXXX XXXX  after I received the card. I received an electronic message that my credit card application could not be processed, which I assumed was because I have a XXXX XXXX in place. When I called the " XXXX '' number in the electronic notice, I was advised I needed to obtain a credit freeze lift with XXXX, and then I should call another " XXXX '' number. I did that but I received a letter advising that my application for the Southwest credit card was not approved because I had not lifted the XXXX XXXX. In late XXXX, when I had neither received an approval or denial for my credit card application, I telephoned the " XXXX '' in the email and letter I had received. I spoke to a customer service representative who said I needed to lift the XXXX  on my XXXX credit file and, while the XXXX was in effect, telephone that same " XXXX. '' I did this and I was advised my credit application was approved. However, when the new credit card and associated materials arrived, the credit card did not include the opportunity for a {$200.00} statement credit and there was a {$69.00} annual fee. When I contacted Chase, the customer service representative initially asserted there was nothing that could be done about this ; but my threat to complain to CPFB resulted in a waiver of the {$69.00} annual fee. When I contacted Southwest about the {$200.00} statement credit, I was advised that Southwest had no involvement with this Chase credit card even though the card was advertised as and is branded as " Southwest XXXX Rewards '' and there is only XXXX uses of the word " Chase, '' both on the back of the card ( i.e., among many references, XXXX each of XXXX XXXX XXXX  and " Chase '' ). Chase denied any responsibility for the " bait and switch. '' Southwest asserted it was merely facilitating Chase 's marketing of credit cards ( i.e., Southwest appeared to be claiming a safe harbor under Section XXXX of the Communications XXXX by allowing Chase to advertise on the Southwest website, although it seems unlikely Chase unilaterally is using Southwest 's name on a Chase credit card. However, Southwest did not comment about the multiple complaints posted on its website by customers about this " bait and switch '' activity over the last decade.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-XXXX XXXX XXXX XXXX  Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit reportXXXX XXXX XXXX XXXX Inaccurate Collection Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : Fraudulent Accounts in Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. 

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : 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

on XX/XX/XXXX a XXXX XXXX XXXX  was fraudulently reported on my credit and on XX/XX/XXXX XXXX WAS was reported on my credit I ASK that these matters be deleted from my credit report! 

15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. 

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports include : Credit transactions : When a consumer applies for credit, such as a loan, credit card, or mortgage, the creditor has a permissible purpose to request and obtain the consumer 's credit report to assess their creditworthiness. 
Employment purposes : Employers may request and obtain consumer credit reports for employment purposes, but only with the written consent of the consumer. This typically applies to positions that require financial responsibility or access to sensitive financial information.

Insurance underwriting : Insurance companies may request and obtain consumer credit reports for underwriting purposes, such as determining rates and eligibility for insurance coverage.

Court orders and legal requirements : Credit reports may be accessed and used in response to a court order, subpoena, or other legal requirement.

Legitimate business needs : Other legitimate business needs, as defined by the FCRA, may also constitute permissible purposes for obtaining consumer credit reports. This typically requires a valid reason and compliance with applicable laws and regulations.
Product: Debt collection

I was a customer of XXXX on a month to month basis and when I moved and cancelled my service I was charged {$140.00} for contract termination. I did not have a contract and did not sign any document stating as such. XXXX has reported the debt as delinquent and sent to a collection agency. I am not paying for a cancellation fee for a contract I never signed or had.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a debt with this company, on XXXX XXXX and they fail to report the dispute to the credit bureau. 
I'm seeking legal consul and the is a violation of FCRA section 623 which carries a fine of XXXX XXXX XXXX.
Product: Debt collection

There is an open account from XXXX XXXX that I have no knowledge of. I had an account about a year ago that I canceled, but that was through a different carrier as well. Even then, my monthly bill was under {$50.00} dollars at the time. Not only did I not open this fraudulent account, it would have taken me years to accumulate this size of a bill. The amount is preposterous! Additionally, there is an On-line forum discussing fraudulent accounts and collection attempts on those accounts for this company. I want this off of my account and confidence that this company will never do this again! This company needs investigated for illegal business practices!
Product: Debt collection

MIDWEST RECOVERY SYSTEMS LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo. 
XXXX XXXX # XXXX, has been sending me letters about an old accoun that they're stating is past due. I have never did business with this company period. This old account was paid off by myself by a pay day loan company called XXXX XXXX XXXX  of XXXX Alabama, over 5 years ago and it was fully paid off. But at some point my name and account was SOLD to MIDWEST RECOVERY SYSTEMS LLC, and It should not have been sold at all because my loan was paid in full to the manager at that time, XXXX. I remember the person so well because she called corporate she said, and asked if they would accept a settlement pay off since I had paid on the original {$300.00} loan for over a year and one half. XXXX advised me that corporate approved a certain amount for me to pay, and I paid it that day. I never applied again for another loan from XXXX XXXX XXXX So, I do NOT OWE MIDWEST RECOVERY SYSTEMS ANYTHING.
Product: Consumer Loan

Lease is up on vehicle, I inquired about purchase option with Ally Financial. They are not recognizing the purchase option amount in my contract ( equal to residual, with no fee for purchase option ). The amount they quoted was 2,500 higher than the residual value stated on my contract.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I submitted a dispute to Equifax. On XX/XX/XXXX Equifax submitted a result from my dispute. The dispute is in regard to a bankruptcy that is reporting on my Equifax credit report. The dispute results states that XXXX supplied the information of the bankruptcy to Equifax. Which Equifax has been reporting since XX/XX/XXXX. I did not give any written, un-written, verbal and/or non-verbal consent to Equifax or XXXX to sale and/or purchase this private information and report it on my credit report. Furthermore, according to uscourts.gov, bankruptcy courts do not furnish any bankruptcy information to any third parties. Equifax and XXXX both being third parties. Again, I have not given any written, un-written, verbal, and/or non-verbal consent to Equifax and XXXX.
Product: Student loan

ALL THIS INFORMATION IS IN XXXX FILE POSTED BELOW! 

XX/XX/XXXX MADE A PAYMENT OF {$500.00} PAYMENT IS MISSING FROM ACCOUNT XX/XX/XXXX MADE A PAYMENT OF {$600.00} XXXX PARTIAL PAYMENT ( {$300.00} ) XX/XX/XXXX REFUND POSTED FOR {$300.00} ONLY {$230.00} WAS REFUNDED TO ME XX/XX/XXXX MADE A PAYMENT OF {$250.00} MISSING PAYMENT OF {$250.00} XX/XX/XXXX MADE A PAYMENT OF {$95.00} MISSING PAYMENT OF {$95.00} XX/XX/XXXX MADE A PAYMENT {$200.00} MISSING PAYMENT OF {$200.00} XX/XX/XXXX MADE A PAYMENT OF {$290.00} MISSING PAYMENT OF {$290.00} XX/XX/XXXX MADE A PAYMENT OF {$200.00} MISSING PAYMENT OF {$200.00} TOTAL MISSING : {$1900.00}
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. 

XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have repeatedly informed EOS CCA and XXXX that I was a minor child at the time of this alleged service by XXXX. On XX/XX/XXXX, EOS CCA continually report on all 3 of my credit report inaccurate information. EOS CCA has stated on my credit report that the information is accurate when it is false. Please see attached Birth Certificate and copy of what they ( EOS CCA ) continually reported on XX/XX/XXXX credit report. The picture shows that this has been disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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: Student loan

I paid the Great Lakes ( U.S Department of Education ) the full amount for my student loan and it has not been updated on my credit report. They cashed the money order on XX/XX/22.