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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a 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 have been using PayPal for few years now until recently they decided to permanently limit my account for 180 days with some dollars in it. They later asked me for documents to verify my identity of which i sent and they sent me an email that they have approved my documents. Surprisingly enough they did not lift my ban because I can not transact. It was very unfair limitation and I needed the money urgently.
Product: Mortgage

I received a notice from Fifth Third Bank stating that my escrow account balance is estimated to fall below the lowest required balance, giving me a shortage of XXXX. I have overpaid my mortgage by XXXX every year, so I should still be above that mark. Despite this fact, they have raised my monthly payment. When I reached out by phone, the automated service did not recognize my account, nor my ssn, nor my husband 's ssn. The automated service hangs up on you no matter what option you select. When I attempted to login to their website, I repeatedly received messages stating my account was 'invalid '. If I'm unable to speak to anyone, then I am unable to resolve the issue. 

Please help.
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. There are items on my credit file that are erroneously reported. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$810.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$630.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$290.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX/XXXX  XX/XX/XXXX XXXX  XXXXXXXX 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 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 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 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 am writing to express my concern regarding the BANKRUPTCY reporting on my credit report, and unauthorized and fraudulent inquiries on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items and unauthorized and fraudulent inquiries from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know what kind of games this collection agency is trying to play. I requested a signed credit agreement and I did not receive that. XXXX sent me copies of some statements and the statements were not the originals but nonetheless I requested THE SIGNED CREDIT AGREEMENT BEARING MY SIGNATURE. XXXX closed the accounts but did not remove the accounts. The accounts need to be removed NOW! The accounts are fraudulent! No one has provided me with nothing with my signature. I have requested this information numerous times. I have seeked legal representation a consumer attorney for legal advice. If this goes to court XXXX will have to show a signed agreement with my signature and a host of other paperwork. I also need details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I emailed XXXX on XX/XX/2020, XX/XX/2020 and XX/XX/2020. I can prove that XXXX responded that they received my emails but did not send the information that I requested. REMOVE IMMEDIATELY the three accounts on all 3 credit reports. This is not a duplicate complaint. Please do not send me a email stating this complaint is closed due to it being a duplicate. This is not a duplicate!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of certain accounts listed on my credit report, which have been damaging to my credit standing.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an error regarding one of my accounts. Specifically, there are two late payments recorded for XX/XX/year> and XX/XX/year>, even though I made those payments on time. Consumer reporting agencies are required to ensure that all information is reported accurately, and this account has never had a late payment. I have attached screenshots of my credit report for reference, highlighting the incorrect late payments. I am formally requesting an investigation into this matter and ask that you provide verifiable proof, with records, confirming that these payments were indeed late. If this information can not be verified, I request that the payment status be updated to reflect on-time payments immediately. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report. I have noticed that there are several items still remaining on my credit report even after sending in supporting documentation that these accounts are a result of identity theft. I have never lived at XXXX XXXX XXXX XXXX XXXX, SC XXXX or XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX these are addresses used by the perpetrator. I have made several attempts to have them listed as fraud and blocked from my credit report, but still get the run around about this issue.
Product: Mortgage

Greetings, In XXXX, I obtained two subprime mortgages from XXXX XXXX XXXX  XXXX to purchase my home. Although, I had average credit score at the time I was sold the mortgage, I was considered dome to go into foreclosure. I was not aware at that time that my community was redlined. In my community within 5 years, 90 % of the people sold the subprime mortgage by XXXX XXXX were XXXX and ended up in foreclosure. 

JP Morgan Chase took over my loans shortly after purchase from XXXX XXXX XXXX.. I spent more than 10 years trying to negotiate fair mortgage terms with chase. On XX/XX/XXXX, I reignited with mortgage complaint about the following matter : 1 ) I was approved for a refinancing by you which was withdrawn without explanation until one of your employees accidentally revealed that my mortgage was in a nonnegotiable category. 
2 ) In my community within 5 years, 90 % of the people sold the subprime mortgage by XXXX XXXX were XXXX and ended up in foreclosure. 
3 ), my mortgage interest rate remains higher that the market rate even though I had good credit. 

In XXXX I realized that my mortgage was not withdrawn my Chase and I was informed that my mortgaged was transferred to another lender. I consider this matter retaliatory and this resulted in my XXXX mortgage not being paid due to lack of communication.
Product: Debt collection

This company called from ( XXXX ) XXXX and left a message stating the following : We are filing legal paperwork with your county in your state within the next 24 to 48 hours due to an unresolved charge off debt. If you want to prevent any legal filings we are offering an economic hardship settlement in the amount of {$380.00} to pay off your account and prevent any leagl action taking place. For more detailed information on how to take advantage of the settlement opportunity, you can contact our office directly at area code XXXX, that's area code XXXX. Thank you. 

I called the number back and asked for details like the creditor name, account number, date of the loan, and original amount. They could not provide any of the information I requested. I asked them to provide information about their company they said is called, " Global Processing Services, '' a " mediation service '' and they directed me to their website. They do not appear to be licensed and are listed online by many people as a scam trying to collect money for a fake debt. When I asked for their license number they hung up on me. I called back and said I would pay with a check so I could get their address and possibly trace the payment to bring charges against them but they would not take a check, only a credit or debit card. 

I would like this company to be investigated and shut down to stop them from robbing people of money they do not owe.
Product: Checking or savings account

Okay so right before the week leading up to XXXX I was struggling financially and I made a post on social media asking for help, Shortly after say later that day a guy reaches out me and says the XXXX XXXX wants to help me but he couldnt use XXXX XXXX or third party payment apps, he told me even over the phone like very thoroughly explained it all and said he was sending my assistance over via e-check and I could have it in less than a few hours after I cash it, I was so excited and in need of food and groceries, gas etc I didnt realize it could be fake, why would a scammer pay someone else and not ask for anything in return so now here we are, and now I look like a bad person a scammer who purposely did it when I didnt the lady at CitiBank when I called yelled at me out of nowhere when I told her it wasnt me. Its a whole mess now
Product: Credit reporting or other personal consumer reports

Today I noticed a hard inquiry on my report from XXXX XXXX that I did not authorize or know of.
Product: Debt collection

I received an email notification my credit score dropped XXXX points. Opened by I.C. Systems Inc. in the amount of XXXX. I have no contracts or business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been asking EQUIFAX for proof Pursuant to 15 USC section 611 ( i ) ( 7 ) and section ( 6 ) ( 1 ) ( iii ) I demand evidence of XXXX XXXX compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! ALLEGED DEROGATORY ISSUE : Provider Claims Late Payment not yet proven.I would like to see proof these accounts belong to me ATTACHED TO THIS COMPLAINT.THEY ARE NOW IN CONTRACT WITH ME AN IF THEY CONTINUE TO REPORT THESE ACCOUNTS THEY NEED TO PAY ME.I HAVE ATTACHED PROOF NONE OF THESE COMPANIES IS LISTED ON A UCC11 AS A LIEN HOLDER.
Product: Checking or savings account

I was advised I could be entitled to payment from Wells Fargo from wrongful charges
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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 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 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 XXXXXXXX 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.
Product: Debt collection

I am submitting this complaint independently, without any involvement from a third party. Attached is a letter providing details about the items listed on my credit report. I have never had a contractual relationship with TRANSWORLD SYSTEMS INC. I believe the original creditor, XXXX XXXX, sold my account without proper notification, which constitutes a clear violation of Section 611 of the Fair Credit Reporting Act ( FCRA ) regarding the reporting of inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is reporting 4 BK accounts that were dismissed and filed in error. The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed. Considering that this does not require an investigation, I would appreciate your response within 2 weeks from the date you receive this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd 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 items : 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 was erroneously reported to all three major credit Bureaus by XXXX for a professional fee I paid for {$220.00} on XX/XX/2015. I have the cancelled check. This check cleared the bank on XX/XX/2015. I received no notice of this referral to a collection agency and discovered this gross, negligent error after I was denied for a refinance on our home. To add insult to injury, I am now receiving menacing, harassing phone calls from collection agency Grant & Weber XXXX ext XXXX. I would like financial compensation for {$1000.00} for each agency to which info was reported and the reports corrected and verification that corrections were made sent to me in writing. and the account I was treated at XXXX in the XXXX The telephone number of the billing service who did this is XXXX 
Thank you in advance for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the company to investigate the inaccuracies incorrect spelling of my name, incorrect address, which they have fail too report the accuracies of the account.
Product: Checking or savings account

This is involving my Federal income tax check that was Deposited on XX/XX/2023 With Chime who I bank with I have 3 accounts Credit card Builder, Checking, savings account and what I remember on XX/XX/2023 I transfer {$1900.00} to my checking account and also I transfer {$440.00} from my savings account and combine everything in to my checking account when I noticed suspicious activity 1st thing I did was go into my settings and Cut my card off then later on I noticed that Unauthorized was still taking place so I called chime member they say they started the investigation then they tell me they see no errors. Now I need some understanding.
Product: Credit card

I've been waiting on a cash refund since XX/XX/XXXX from Affirm. I called several times and each time I was told it was mailed out. They reported this on my credit report as a missed payment several times. I was told on XX/XX/XXXX that the check was mailed out on XX/XX/XXXX. I still have yet to receive any form of refund. 

Refund amount is XXXX on XXXX XXXX XXXX XXXX XXXX. It has been over 90 days and still have not got a refund. 

The purchase was made through XXXX and returned completed XX/XX/XXXX. 

Affirm keeps reporting missed payments to my credit report on items that have been returned. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX... 
Size : XXXX XXXX XXXX : XXXX {$53.00} Refund issued {$57.00} refund issued on XX/XX/XXXX. 
Return received on : XX/XX/XXXX Affirm said a check was finally mailed out on XX/XX/XXXX but still has not received the refund. 
Affirm has hit my credit report several times with missed payments based on them not getting the item back in time for a timely refund.
Product: Debt collection

Account reported to my credit report as charge off. DISCOVER representative did not give me an option to settle nor dispute the inaccuracies and should be removed and or updated as I did not have an option to correct it before it affected my credit report greatly.
Product: Credit reporting or other personal consumer reports

I am writing to lodge a formal complaint against Experian for their failure to comply with the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts and provision of necessary documentation, Experian has continually refused to correct inaccuracies in my credit report, specifically concerning erroneous addresses. 

Background of the Dispute : I have previously sent certified mail to Experian, requesting the removal of addresses that do not belong to me and the update of my credit report with the correct information. Despite furnishing adequate proof, including government-issued identification and other relevant documents, Experian has persistently declined to make the necessary corrections. 

Violation of FCRA : This refusal to rectify inaccuracies in my credit report is a blatant violation of the FCRA, which mandates the timely correction of any inaccuracies once these have been reported to the credit bureau. The FCRA is designed to protect consumers like myself from the consequences of erroneous credit reporting, and Experian 's non-compliance is causing me significant financial harm and distress. 

Reference to XXXX XXXX Experian Case : The situation mirrors the issues presented in the case of XXXX  v. Experian Information Solutions Inc. , XXXX XXXX XXXX XXXX, in the U.S. District Court for the XXXX XXXX  of Virginia . In this precedent, Experian faced legal repercussions for similar failures in updating and correcting credit report inaccuracies. I believe my situation falls under similar grounds of non-compliance and negligence. 

Relevant US Code Violations : The actions of Experian also seem to contravene specific stipulations in the US Code related to consumer credit reporting, particularly under 15 US Code 1681i, which mandates the prompt investigation and correction of disputed information on credit reports. 

Given these circumstances, I kindly request the CFPB to intervene and assist in resolving this matter. The inability of Experian to address such a fundamental error not only undermines consumer trust in credit reporting agencies but also violates federal regulations designed to protect consumer rights. 

Enclosed are copies of all correspondence with Experian, along with the documented evidence I provided to them. 

Thank you for your attention to this matter. I trust that the CFPB will take the necessary steps to ensure compliance with federal law and the protection of consumer rights
Product: Debt collection

I was contacted by Law Offices of MBA for a debt collection. I am not aware of any debt pertaining to this account. I sent a written letter requesting an itemized bill in order to verify the debt. My requests have been ignored and now the company has made a false report to the credit bureau causing my credit score to be affected negatively.