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

I have had some fraud on my credit report I have sent out the paperwork and account information to all three credit bureaus. I have sent in everything I was told to send.The following account are not mines someone has used my personal ID and information to open up several account fraudulently. I have filed a report and I want to know what else does XXXX XXXX, Experian, XXXX  need from me to move this process forward??
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate late payments reported on my XXXX XXXX XXXXXXXX account as they do not align with the accurate payment status on my credit report. Under the Fair Credit Reporting Act ( 15 USC 1681 et seq. ), credit reporting agencies are legally required to maintain accurate and fair reporting. According to 15 USC 1681i, I have the right to dispute any inaccurate information, and I am exercising that right by formally requesting a correction. Currently, my payment status is reported as " Paid or paying as agreed, '' yet late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are still listed in my payment history. This inconsistency violates 15 USC 1681e ( b ), which mandates maximum possible accuracy in consumer reporting. Additionally, under 15 USC 1681b ( a ), a consumer report should only be furnished for permissible purposes, and inaccurate, damaging information does not serve a legitimate purpose under this section. These errors are negatively impacting my credit standing, and I am requesting the immediate removal of the incorrect late payments reported to match the correct payment status. I expect written confirmation that these errors have been corrected, as well as an updated copy of my credit report reflecting the necessary changes. If this matter is not resolved, I am prepared to take further action, including seeking claims under 15 USC 1681n for willful noncompliance and 15 USC 1681o for negligent noncompliance, as well as consulting legal counsel to explore all available remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXinaccurate information reporting on all three bureaus and claims information was verified. 

XXXX XXXX XXXXnaccurate information reporting across all bureaus and claims information was verified. 

XXXX XXXX XXXX XXXX inaccurate information reporting across all bureaus and claims information was verified. 

XXXXXXXX XXXX/medical collection account/ reporting erroneous information and violating hippa laws. 

XXXX/inaccurate information reporting across all bureaus and claims information was verified.
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit "
Product: Debt collection

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete this illegal account from my credit reports, thank you CFPB.
Product: Credit reporting or other personal consumer reports

Very disappointed with XXXX, of all Credit Agencies, your response and clear lack of proper assessment, you've sided with a crooked company that has lied and not corrected their own misreporting, despite my screenshots of information proving so. You also continue to reduce our scores, again without any consideration, which the other agencies have corrected and who properly reviewed all information and took care of correcting information and scores. Despite proof of unfaultered trial payment program, which has not been corrected, you clearly are unable to rationalize the facts. 

SLS - Specialised Loan Services, shows missed payments on our mortgage, on XXXX occassions, - PRIOR TO THEIR OBTAINING the mortgage from XXXX XXXX, where there was an agreed deferment and already signed documents in place to restart payments, AND SLS reporting failure of making trial payments to them, which are clearly documented on the account, received documents of confirmation of ALL Trial Payments and agreement to continue planned payments, YET SLS and XXXX have failed to remove the INCORRECT INFORMATION FROM THE CREDIT AGENCY PUBLIC RECORDS. WHEREAS the information has been corrected with XXXX AND XXXX ..... 
This has now caused any company using ONLY XXXX to DENY CREDIT, based upon FALSE INFORMATION from SLS on XXXX site. 
We have also since received a letter from SLS offering products to us, based upon our " EXCELLENT PAYMENT HISTORY '' SLS and XXXX HAVE FAILED to correct and will be subject to litigation with the Documented proof we have from SLS THAT EVERYTHING SINCE AND INCLUDING THE TRIAL PERIOD was satisfactorily PAID AND SETTLED.
Product: Debt collection

I settled an account with XXXX XXXX in XXXX XXXX. In XXXX, they still sold my account to Pinnacle Credit Solutions and Pinnacle has been reporting it to the credit bureaus since then. I have disputed this account every year when I review my credit reports but never really followed up with why it was n't dropping off. This year I 'm purchasing a home and looking into everything on my credit reports and getting little to no assistance from either company. In XXXX XXXX, XXXX XXXX purchased my account back from Pinnacle after they realized it had already been settled and sent Pinnacle and the credit bureaus deletion letters to have the account deleted from my credit report. Pinnacle continues to report my account even though they do n't own it. How is that allowed? When I do call Pinnacle, they are very rude and insist on transferring my call to a subsidiary company that manages the account, XXXX XXXX. XXXX says that according to their records my account was paid on XXXX XXXX, XXXX which is still inaccurate information. However, they maintain that they made Pinnacle aware of the payoff and that Pinnacle should 've ceased reporting the account at that time ; almost 2 years ago. So even though Pinnacle does n't own the account and their management company says the account was paid, they continue to report this to the credit bureaus even as late as XXXX XXXX, XXXX and nobody seems to care to do anything about it at all.
Product: Credit reporting or other personal consumer reports

I sent in my first dispute letters with Transunion, XXXX and XXXX back on XX/XX/2024. I read that the credit bureaus have 30 days to investigate any information that we write to them. However, I continued to get multiple template responses and the inaccurate information of late payment history continues to be listed under each of my credit reports. XXXX sent letters twice saying that I did not send in the proper identification to verify myself and that they were not going to do anything further regarding my request. I even called them on a recorded line. I sent each of them two forms of proper identification and have proof that I did. After my first dispute request, each credit bureau removed an inaccurate account under " XXXX XXXXXXXX XXXX XXXX '' so I am not sure where the disconnect is and why I can not get them to remove additional inaccurate information. There continues to be ( XXXX ) inaccurate late payment under each of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and ( XXXX ) inaccurate late payments under XXXX. The account history is inaccurate and I also was affected by XXXX like many others so I am not sure why this information is listed and not being reversed. 

Under 15 U.S. Code 1681 ( e ) b Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow the reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or the 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 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 or 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Name : XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 instruction.
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have reported multiple times to all Credit Reporting Companies XXXX XXXX, XXXX, and TransUnion ) that XXXX  Account # XXXX has me late 60 days XXXX XXXX, 90 days XX/XX/XXXX, and 120 days XX/XX/XXXX. I was in forbearance from XX/XX/XXXX through XXXX Therefore, I should not be reported delinquent. I submitted multiple disputes through the credit reporting documents with the forbearance letter, and it still reporting late because XXXX keeps saying all records are correct. In addition to disputing with the Credit Reporting Companies, I sent a letter to XXXX and no changes.
Product: Mortgage

I filed for BKXXXX on XX/XX/2018 and I called on XXXX  XXXX  to make the payment and they told me the BK department was gone for the day and they could not accept my payment i called back and asked them to back date my payment for XXXX  because it was their mistake and they told me they would and I trusted them to do so. I again clled on XXXX  XXXX   to make my payment and they told me again that they could not accept it so I clled on XXXX  XXXX  ( i was unable to call on the XXXX  due to business travel ) and now they tell me they are filing MFR, I told them that they refused to take my payments for the months referenced. I need them to post them for the correct dates and have the MFR not filed. They should also train their employees for dealing with BK borrowers Please Help
Product: Debt collection

My complaint is about  XXXX   XXXX   XXXX   XXXX  continuously using third party collection agencies to collect on a debt that was settled in  XXXX    XXXX  . Id like to file a complaint against  XXXX   XXXX   XXXX   XXXX  for the continued harassment.      XXXX   XXXX   XXXX   XXXX  should not be able to continuously try to collect on a debt that was settled in  XXXX    XXXX  . I cancelled my phone service in early  XXXX    XXXX  , and the bill was {$520.00}. I was billed an additional month at {$190.00}, this bought the amount to {$720.00}. I didnt understand why I was billed an additional month that I didnt have service. I could not afford this payment and an arrangement was not made available.      XXXX   XXXX   XXXX   XXXX   had   XXXX   XXXX   XXXX   XXXX   XXXX , a third party Collection Company to contact me in  XXXX    XXXX  , and offered a settlement of {$400.00} from the original debt of {$720.00}. I accepted the offer and it was settled. The harassment from  XXXX   XXXX   XXXX   XXXX  continued and has been ongoing (  4 )  years with no end in sight. They just use different third party collection companies to harass me.     Now  XXXX   XXXX   XXXX   XXXX  is trying to resubmit the debt and collect on the {$320.00}.  AFNI, Inc.  even submitted false information to the credit bureaus that the original debt was {$320.00} in  XXXX    XXXX  . I have my original statement from  XXXX   XXXX   XXXX   XXXX  which shows tha t AFNI , Inc. , is providing the credit bureaus false information.
Product: Credit card

We ( spouse & I ) purchased washer & dryer at Best Buy approximately XX/XX/XXXX. They applied {$3000.00} to a Citibank credit card and we paid the balance with cash ( {$1200.00} ). The balance included XXXX pedestal drawers, delivery, installation, installation parts, & 1 haul away. These were top of the line XXXX front loading appliances. We understood that delivery would take place in the not too distant future. We were notified later that the washer & pedestals were not yet available but they would deliver the dryer with the washer and pedestals would come later, which we agreed to. Upon arrival and un-crating, it was obvious that dryer was damaged. They ( Best Buy ) offered to leave dryer, as it was operational and they had already removed the old dryer from the basement, until they could bring a replacement along with washer & pedestals. Next at a later date, another damaged dryer was delivered. We refused delivery. This happened yet again and we refused again. Then they delivered a damaged washer. We refused delivery yet again and canceled the entire order when prompted to do so if we desired. So they removed their dryer and we sought out a different vendor. During this time span, we paid on the Citibank card regularly, XXXX payments totalling {$400.00}, not to mention the original cash payment of {$1200.00}, which we reasonably expected to be refunded. Since the cancelation of the order, we have not been refunded the {$400.00} and have been hounded for payment of balance due of varying amounts from {$190.00} to {$1700.00} ( +/- ). Plus interest accruing! We are to a point where we have no idea who to dispute to or what to dispute when it all is so simple. Since they have refunded the {$1200.00}, cancel the balance due and refund our {$400.00}! We had already disputed the balance due as well as the {$400.00} to Citi and the man agreed that it was a simple calculation and there really should be no dispute. He said we should here from Citi within 90 days. We're not even sure who we are dealing with, Citi or Best Buy. Help! 

Order numberXXXX XX/XX/XXXX XXXX
Product: Mortgage

Please be advised that I am trying to sell my foreclosure home and trying to pay 100 percent of what I owe my lender but unable to because there is a second lien originally owned by XXXX XXXX passed to XXXX XXXX they sold it to XXXX XXXX but there is no chain of title documents and title company will not close. I am in danger of losing the equity I have in my home and need resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transuion claim they issue refund for the below complaint, the lied again. No refund has been received as of XXXX. Transunion for months was billing me for a service they had blocked me from about 2 years ago. After filling a complaint with cfpb the finaly coincided and canceled service and was suspose to refund my prior billing charges. Its XX/XX/XXXX, no refund has been received from Transunion at current date. In previous complaint they sent the following reply below. Transunion, We have reviewed your complaint along with the information you previously provided regarding this issue. According to our records, on XX/XX/XXXX you enrolled into a service provided by TransUnion. With this service, you were billed {$14.00} per month from XX/XX/XXXX through XX/XX/XXXX. Per your request, we have cancelled the auto-renewal of the service. As you have already been billed for this month, the service will still be accessible until XX/XX/XXXX. We regret any misunderstanding that may have occurred. We have issued you a courtesy refund in the amount of {$290.00} back to your credit card for charges incurred from XX/XX/XXXX through XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax says my personal information was likely stolen in their recent hack. I never agreed to such a disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached my driver license and social security card In accordance to the FCRA act, XXXX has violated my rights for 6 months with all 3 credit bureaus. 

15 USA 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states fa consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a_ Definitions, rules of construction Exclusions-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B : A creditor may not treat a payment on a credit card account number under an open end consumer credit plan as late for purpose.

Account is reporting with 2 different amounts of high credit Account is reporting with 2 different past due amounts Account is being reported with 3 different dates of last activity Account is being reported with 2 different dates of payment history If this is the same account being reported by the same creditor why are dates amounts, status of account all different Account Status is different with all credit bureaus : Reported as collection, charge off and write off/profit loss Inaccurate balance amount is reporting to 3 credit bureaus
Product: Money transfer, virtual currency, or money service

I purchased crypto currency. After waiting the required 5-7 days the funds were fully credited and available in my account after settlement from my bank. However once I try to take custody of the funds in my personal off chain wallet the site gives me an error that this feature is not available in my region ( I live in California ). I messaged PayPal and got only a generic answer so I called and spoke with a Crypto representative. They explained that my account did not have any restrictions but that the system was blocking my ability to send the crypto off platform and that they had no explanation nor visibility nor escalation path for me they said repeatedly that my only soloution is to wait and try again in 3 days and if that didnt work to give it more time. I asked what would happen. In 3 days if it wasnt resolved and she said there was nothing they could do, its up to the system and there are no levers or options they have to change its behavior. I asked for a refund and they said they could not provide one but if I decided to keep my crypto on their platform there were no restrictions to use it that way. Basically they are holding my crypto hostage unless I agree to only use it on their platform for their services, they do not want to allow me to take custody of my crypto off their platform/network.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Bureaus stated my accounts was properly investigation but how is that possible if the open date is inaccurate. the date last and last reported is not accurate, This is ground for removal they also violated my right under 15 U, S, C 1681 section 602A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also that a consumer reporting agency can not furnish a account without my written instructions. 
In accordance 's with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 

XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX XXXX XXXX  XXXX  ACCT XXXX DATE XX/XX/XXXX {$730.00} XXXX  XXXX  ACCT XXXX DATE XXXX {$980.00} XXXX XXXX / ACCT XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXXXXXX XXXX XXXX  ACCT XXXX Date XX/XX/XXXX {$780.00} XXXX  XXXX XXXX  ACCT XXXX DATE XX/XX/XXXX {$620.00}
Product: Debt collection

Roughly 16 months ago I settled an account with XXXX XXXX XXXX XXXX for roughly 75 % of my balance that was owed at the time. The account had since been deleted from my credit report and Ive been working on stabilizing my credit to buy a new home. Randomly at the start of XXXX I had an alert for a drop in my credit score ( a BIG drop! Not good when house hunting!! ). I checked and it was due to TWO new reports of collections from XXXX. I immediately called the company when I realized it was the account I had previously settled. They were claiming that I still owed the remaining balance etc despite having documents stating the account was settled / closed. I was given the run around for 2 weeks, being told to call back tomorrow and not to dispute anything yet on the credit report because it could delay things. Finally I disputed it because the company was NOT helping me and kept pushing it off like it was nothing. The dispute went through but the collection is still showing on my report because it was reported TWICE and only one was removed. My credit has remained significantly LOWER despite having one of the collections removed, causing trouble with getting mortgage rates that Ive been working so hard for! Terrible terrible TERRIBLE and useless customer service / managers.
Product: Credit reporting or other personal consumer reports

I received this email XX/XX/23 : XXXX XXXX, Here 's a reminder : A new personal loan inquiry was added to your XXXX credit report. * This could affect your score, but the impact generally gets smaller over time. 

If you already took out a loan, let us know what you got your loan for, and we'll adjust our future emails to your goals. And if you're still looking, we can help you compare personalized recommendations based on your needs. 

Keep the momentum going - head over to XXXX XXXX to get started. 
_____________________________________________________________________ I NEVER APPLIED FOR ANY LOAN. I CHECK MY CREDIT OFTEN, AND I THINK XXXX  XXXX  NEEDS TO DO BETTER ABOUT PROTECTING YOUR INFORMATION. I HAVE A HARD CREDIT INQUIRY THAT HURTS MY CREDIT SCORE. I DIDN'T APPLY FOR ANY LOAN FROM TAB XXXX. THIS IS FRAUD. 
XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX