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

I have contacted the credit bureaus to asked them to do a good review of my credit reports to make sure all reporting to my credit is actually good, they did that, but i did research after they said they did and i found things that are not consistent and also things that does not belong to me. 
Account numbers XXXX, XXXX, XXXX, XXXX in accordance with the fair credit reporting act XXXX the account numbers listed have violated my right 15.u.sc1681 section 602A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. I also read on a online information by a lawyer said the credit reporting agency have 30 days to respond or the accounts must be deleted from my credit report.
Product: Debt collection

I just received a bill from the XXXX XXXX XXXX represented by Convergent Outsourcing for the amount of {$23000.00}. Account # XXXX. It has been 13 years, this loan is from XXXX, and just now they send me this bill, and tell me that they are going to sued me in court. California Statue of Limitations is 4 years.Right? ( Cal.Civ.Proc.Code 312 et seq. ) I file Bankruptcy in XXXX, and this account from the XXXX XXXX was NOT in any of my credit report agency. Today I check my credit report, I don't have any debt account with the XXXX XXXX XXXX or Convergent Outsourcing. 
If I own {$23000.00} it should appear in all my credit report agencies, correct? Why they don't report this debt to the Credit Agencies? By doing this they avoid getting bankruptcy?
Product: Checking or savings account

I had a checking account with XXXX that was transferred to Citizens bank. I wanted to close this account out and was told to bring the balance to XXXX  which I did. Citizens bank closed the account but they also charge a monthly Maintenace fee for low balance. I didn't realize they charge this fee until it showed up on my credit report as a {$5.00} past due amount. This is extremely frustrating as it's impacting my credit score significantly. I would like Citizens to reverse the {$5.00} XXXX  and remove the negative credit reporting as I was following their instruction.
Product: Credit reporting or other personal consumer reports

Midnight velvet has put a charge off on my credit report. This is inaccurate information as this account does not belong to me.
Product: Mortgage

I have a mortgage with Flagstar Bank. I learned in the Fall, that they were affected by the 2023 XXXX data breach. This revelation was published in an article about the breach. I checked the company 's website and they advise customers to log into their accounts to make inquiries. I've made three inquiries and have not received acknowledgement of my inquiry or a resolution. I want to know if my personal information was affected by the data breach and if it was I want to know what was stolen, was my data encrypted, if my data was stolen, if my data is on the internet in an unencrypted format. I deserve to know this information in order to protect myself and my credit.
Product: Debt collection

Midland Credit Management is reporting false information about 2 credit cards that I paid off and I closed the accounts. I had returned some items during the Covid lockdowns ( totaling less than {$200.00} ) which they didn't credit on my accounts, and I contacted the credit card companies directly to resolve it, sent them copies of my receipts. Instead of dealing with me, the credit card companies wrote the accounts off. MCM is sending mail and calling me stating the balance is {$1900.00}.??? MCM has multiple addresses and telephone numbers on their correspondence. They have different " account '' numbers on every piece of their correspondence. This is a scam. They are causing my credit score to be lowered. I'm sure they were paid by the credit card companies. It's all a scam.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 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. Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these account from my credit report After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is grounds for removal. 
They also violated my rights under 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 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
If these accounts are not removed I will be reporting you to the XXXX, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I pray all is well I'm contacting you all because I was looking over my consumer report and noticed an inquiry that you all are furnishing that I do not recognize on XX/XX/2022 from XXXX. I would like this inquiry to be deleted from my consumer report immediately because I never authorized this inquiry, and I never gave permission verbally or written to have this furnished on my consumer report. Please view my attatchments regarding this issue. I have been in contact with XXXX and they have already deleted this inquiry, I attatched a photo for proof, I have attatched my driver licsense as well. I look forward to hearing from you all in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to remove inaccurate accounts from my consumer report. I have attached the laws in which the credit bureau is violating. I would like the credit bureau to remove all unwanted false information from my report. down below I have the laws that are in violation. I understand the the credit bureau will put on my consumer report that they validated an account by default. which is a HUGE VIOLATION. Without physical proof also a personal investigation of character. This is illegal and I would like all accounts on my report from my letter removed. I would also like all Unauthorized Inquires removed from my account as well. Ive given the required 45 days plus an extra 15 days for investigation. they have not done they job. I want all deleted from my letter. 
15 U.S. Code 1601- Unfair and unethical reporting on consumers behalf. False information.

15 U.S. Code 1692- There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors.

15 U.S. Code 1681- There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Mortgage

I have XXXX violations from Ocwen Loan Servicing, first is a violation of the FDCPA in over contacting me ( 5 times in a 7 day period ) and I have been lied to when requesting to be able to pay my own homeoweners insurance and removing it from my escrow payment. 
Third, I have been viloated in my privacy under Graham Leach Bliley Act, when Ocwen without my permission contacted my insurance company and conducted business without my expressed written or verbal consent
Product: Money transfer, virtual currency, or money service

I am a fXXXX XXXX XXXXXXXX. I created an account with PayPal in order to allow a client to pay me who had no other means of payment. When the money arrived in my PayPal account, I was given the option to withdraw to my bank account or pay a small fee to have it instantly transferred to my debit card. I opted for the instant transfer option. 

I am now being told it is withheld " pending review ''. 

I reached out via chat and got a robot who gave me the exact same information I already knew. I tried calling but the wait time is measured in hours. 

PayPal should not be withholding money for " review '' after agreeing to be the intermediary between my client and I. 

After examining their XXXX  complaint history this is a pattern with over XXXX complaints with substantially similar facts. Apparently they play some sort game where they randomly freeze accounts and withhold customer funds with no recourse. 

https : XXXX This needs to be reported to someone with regulatory authority so corrective action can be taken. Paypal is being abusive, that's why I'm reaching out to you. Not just for myself per se, but for the XXXX complainants at the XXXX  and likely hundreds of thousands of others. 

There is literally no valid explanation for my funds to be frozen pending a review only at the stage where I'm expecting it to land in my account. If they had suspicions or they needed more documentation or information, they should have requested that at sign up or when the transfer from my client to me was initiated. But once they received the money on my behalf, they are required to timely forward it to me. 

Transaction ID : XXXX Amount : {$240.00} Date : XX/XX/2021 Any help you can give would be great. I'll update this case if they ever release my funds, but judging from the XXXX XXXX  complaints against them, I'm not holding out hope.
Product: Credit reporting, credit repair services, or other personal consumer reports

The item showing on my credit report is greatly affecting my credit and giving me difficulty in obtaining a present loan application. I request that you verify this item with CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX that they are reporting this in accordance with the Fair Credit Reporting Act Regulations as it is a serious problem to report this inaccurately.
Product: Credit reporting or other personal consumer reports

I am filing this complaint under The Fair Credit reporting Act ( FCRA ) due to the willful noncompliance of the credit bureaus and data furnishers in properly investigating my disputes, as required under 15 U.S.C. 1681 and 15 U.S.C 1681s-2 ( b ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies. XXXX XXXX account which has no account number has been disputed several times. This account has been opened fraudulently. The credit bureaus have failed to conduct a reasonable investigation and have continued to report inaccurate information on my credit report. Furthermore the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. This failure to uphold their responsibilities under the FCRA constitutes a violation of my consumer rights.
Product: Credit card or prepaid card

Chase has not resolved my dispute with a merchant that owes me credit. Chase incorrectly disputed the wrong item with a different date, Dispute was lost as Visa had determined the documents referred to an item with a different date. Chase did not call me back nor bother to fix the problem. This issue can still be fixed as outlined in my documents attached. Chase mishandled my matter and I plea and demand this matter be resolved asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

How can I challenge Experians score? ( And others for that matter )? Its impossible to speak to anyone! I even wrote a dispute involving the XXXX credit card to get someones attention, but it hits a brick wall. Can't speak with anyone, get hung up on, and Experian says they are just a monitoring service and say it's Myfico that furnishes the credit score. Myfico says they only use the data furnished by the credit bureaus. The bank ( chase ) forwards me to XXXX XXXX which is part of Myfico. Very frustrating...

Case : I had an exceptional credit score ( XXXX ) before I applied for a XXXX XXXX Credit card in XXXX XXXX. My credit score dropped XXXX points to ( XXXX ) within 3-4 weeks. Nothing else changed! This negates everything I worked for getting my score up so I can efficiently buy my first home at minimal interest rates. This has bugged me endlessly 5 months. My credit utilization is around 4 %. I dont have a mortgage. My XXXX score is around XXXX. 

I use this new card 100 % of the time now, but havent closed the old cards. I also pay in full, monthly. Im not sure if the scores will affect my interest rates on a purchase ( s ), but there needs to accountability from such a process by Experian. Using Experians own Credit Score Simulator shows only a 10-point reduction if a credit card is obtained, not XXXX points. 

I've emailed Experian and Myfico and get canned replies. I finally get someone on the phone ( including managers ) and they state they don't have control or just monitoring services? I'm afraid I've missed a few home purchases because this hasn't been resolved. 
I've since used experian 's XXXX program to add cellphone, utilities, cable bills to boos the score which helped some. It isn't picking up 2 other bills ( which is another error ). This still didn't explain the score drop. 

It appears that all XXXX credit bureaus are trying to get you to purchase their products as well as Myfico. This appears to be a scam at increasingly alarming rate. This can equate to $ millions if not Billions in extra costs from higher interest rates, for mortgages, car purchases and loans/credit cards due to this credit score that is magically hidden and non-transparent. 

Experian is owned by a multinational consumer credit reporting company based in XXXX XXXX with a revenue of {$5.00} billion for the fiscal year ending XX/XX/XXXX. 

All 3 Credit bureaus use what is called Fico8 yet, all 3 scores are different. 

Again, my Exceptional credit score dropped XXXX points for a Rewards credit card that is paid off monthly. I didn't even get out of the gate with it before the drop in score. Im trying to buy my first home without repercussion from the score drop. 

Your site says there are XXXX complains with only 2 % being addressed just in the last XXXX XXXX years. This is horrible! Congress needs to address this issue!
Product: Credit reporting or other personal consumer reports

The errors on my report are making it harder for me to access opportunities and are unfairly damaging my scores. Its beyond frustrating to deal with setbacks caused by mistakes that are not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor ( Exeter finance ) violated my rights. Under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was ran without my consent or knowledge on XX/XX/ by Santander consumer USA, when I called them to ask if they had an authorization, identification of the person that applied for credit in my name, they told me to contact the credit reporting bureau & hung up the phone on me!
Product: Credit card

Chase Credit Card Dept sent me a solicitation to upgrade my XXXX XXXX XXXX Credit Card to a Premier XXXX Rewards Credit Card in XXXX 2015. They promised me XXXX XXXX XXXX XXXX if I charged {$2000.00} with them in 90 days. I called them on XXXX XXXX or so and spoke with an agent who approved me for the upgrade without a credit report since I was already a customer, provided I spend {$2000.00} on the card in 90 days. I spent {$4000.00} in the time period and questioned them many times for my XXXX miles. 
I was told by many agents that I was approved and the marketing dept would send me the XXXX miles to my SouthWest Airline Rapid Rewards account. Nothing happened. 

I filed a complaint with their Executive Offices and Chase just blew me off. Finally last week an executive office agent named XXXX stated she reviewed the tape recording of XXXX XXXX conversation with me and I was correct that an offer was made to me and I did fulfill the requirements BUT, she said the agent told me I could not get a Premium card without Chase securing a new credit report. I ASKED TO HEAR A COPY OF THE XXXX XXXX CONVERSATION BUT CHASE SAID I NEED TO SUE THEM AND FILE A SUBPOENA TO HEAR THE TAPE. Another rep said the agent on XXXX/XXXX/15 conversation made a mistake. I followed the solicitation and did what I was told. I want my XXXX airmiles as promised. We had a deal and the tape recording proves it. I want a copy of the recording and my miles and an apology from Chase.
Product: Student loan

I have three ( 3 ) private loans with Navient. I payed off early one of the loans on XX/XX/2019. On XX/XX/2019 my automatic payment went through as usual. On XX/XX/2019 I received an email from Navient stating that I was put on forbearance due to a recent natural disaster. I am currently living in XXXX XXXX  XXXX and the previous addresses that they have in file are from XXXX, NY and XXXX, DC. None of those areas have had a natural disaster. I did not make a request to be put on forbearance nor do I need forbearance since I have always payed the loans on time through automatic payment nor do I currently have a financial hardship, in the contrary, I am considering paying off all of the remaining loans early. If Navient is involuntarily putting people on forbearance it causes their clients to pay more money on interest. Which is unfair and something that you can easily miss since I was notified only through email 15 minutes before their customer service stops taking calls for the day. It would be easy for someone to either completely miss that they were put on forbearance or forget to call them since they sent the notice at XXXXXXXX XXXX and stop taking calls at XXXX. I want to make sure that people are not affected by this since it does not appear to be a fair practice from Navient.
Product: Student loan

I was a co-signer on an original student loan, my son refinanced it through Discover student loans. 

They call me at all hours, leave messages. They leave their number but never a name of the company. Just that it is an important business transaction WHen I speak to them the payment is not overdue, they are calling 5 days before it is past due. I direct them to check their on line system, and when they do every time the rep. says that the payment was made within the last XXXX or 36 hours. Then they hang up. 

I have told them time and time again, I am only the co-signer possibly, and not to call me until the debt is overdue, and they refuse to accept this. I get these calls regularly.
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXXXXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXXXXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this account was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. These accounts are in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXX v. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need these accounts removed due to the rules of estoppel. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX