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

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : Account # : Date Open : Balance : Company : XXXX XXXX XXXX Account # XXXX Date XXXX Balance : {$4100.00} Company : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Balance : {$1500.00} Company : XXXX Account # XXXX Date XXXX Balance : {$3700.00} Company : XXXX XXXX Account # XXXX Date XXXX Balance : {$16000.00} Company : XXXX XXXX XXXX Account # XXXX Date XXXX Balance : {$960.00} Company : XXXX XXXX Account XXXX XXXX Date XXXX Balance : {$4100.00} Company : XXXX XXXX XXXX Account # : XXXX Date XXXX Balance : {$5200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XX/XX/2023. Here is my tracking # XXXX. To remove personal information that I don't not want on my credit report. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institute is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Debt collection

I ordered XXXX XXXX XXXX Internet and Phone Line Service for my business date XXXX/XXXX/2014 and connected service date XXXX/XXXX/2014 but I did not satisfy with service because the Internet too slow and the phone line had too many strange called in, I had to cancel XXXX XXXX XXXX service and changed to another company is XXXX date XXXX/XXXX/2014 and return all equipment to XXXX XXXX XXXX with in a month of service. XXXX XXXX XXXX sent me a bill to charge for Service and early cancellation {$430.00}, I do n't want to pay that amount because and canceled XXXX XXXX XXXX service with in 30 days with no fee, now XXXX XXXX XXXX sent it to collection.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX  Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt to file a complaint. Equifax did not take my complaint seriously, so I filed a complaint with the Attorney Generals office. I did the same for XXXX and the complied to my request and removed the information off my credit report. 
I am contacting you today regarding an alleged dismissed bankruptcy that is reporting on my credit reports. I have disputed it with XXXX, and they removed from my Consumer File. I then proceeded to dispute the bankruptcy with Equifax, and they are not complying appropriately to the Fair Credit Reporting Act. It was recommended to me that I initiate a complaint with your organization. I have attached all supporting documents for your review. 
On XX/XX/2020, I received a letter from XXXX stating that they XXXX was unable to verify the accuracy of bankruptcy case number XXXX within the required timeframe as outlined by the Fair Credit Reporting Act, and subsequently removed this record from your XXXX report. 
I proceed to send a letter to Equifax on XX/XX/2020 and attached the letter I received from XXXX. Equifax responded back with a letter that said that This section includes public record items Equifax obtained from local, state and federal courts through a third-party vender, XXXX. In addition, they stated that this public record item is reporting correctly. 
I was confused to how Equifax verified this information, since XXXX had already removed it from my consumer report. I went to the recommend website, XXXX XXXX XXXX, to find out more information and I found out that XXXX does not XXXX bankruptcy information to consumer credit files for Equifax, Equifax performs the matching. 
I then again proceeded to send letters to Equifax dated XX/XX/2020 and then again on XX/XX/2020. I never received a response from Equifax. 
Then I sent a letter XX/XX/2020 via certified mail receipt number XXXX XXXX XXXX XXXX XXXX. According to USPS tracking this letter has been received on XX/XX/2020. In this letter I asked Equifax for a description of the procedure used to determine the accuracy and completeness of the investigations preformed on my credit report. According to the Fair Credit Reporting Act : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not  later than 15 days after receiving a request from the consumer for that description. of such furnisher, if reasonably available ; It is now XX/XX/2020 and I have not received a response from Equifax. Equifax has failed once again to comply with the FCRA. I have recently filed a complaint with the Consumer Financial Protection Bureau ; however, it is my understanding that under the current administration, the CFPB is not stepping in and helping consumers. 
Attached is all document regarding my complaint against Equifax. 
I ask that Equifax complies to the Fair Credit Reporting Act and removes the item Chapter XXXX Bankruptcy case number XXXX from my credit report.
Product: Debt collection

A card was opened my name in 2012 at XXXX XXXXXXXX now portfolio recovery associates has the debt. I tried many times to dispute the account even a police report but they keep reporting a debt that was never mine.
Product: Money transfer, virtual currency, or money service

I was attempting to purchase an XXXX XXXX XXXX Account from an individual met on XXXX. The individual said he processed his orders through Zelle. I was told Zelle was secure and safe way to send money. His number on the Zelle account was ( XXXX ) XXXX. And the name he went by on XXXX was XXXX XXXX. This individual proceeded to ask me to send the money before receiving the email/password for the XXXX account and then proceeded to say he still did not receive the money and to send it again. I tried to report the fraud to the bank and ZELLE but was told the money was gone.
Product: Credit card

A person who was not authorized charged about {$18000.00} to my Chase credit card. I reported it to Chase on XXXX. Chase originally gave me credit for the loss, but then reversed the credit. My understanding they have 60 days to finalize their findings. They have left this file open for over 1 year. I have corresponded and talked to them numerous times and they just give me the run-a-round. I want these fraudulent charges reversed and have them give me back my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

show tooltip button XXXX XXXXDispute  XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX  XXXX XXXX XXXXDispute XXXX XXXX  XXXXDispute XXXX XXXXDispute XXXX  XXXXDispute XXXX XXXXDispute ftc violations
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing a copy of my annual credit report, I have identified an inaccurate item that was placed on my report. I have made a payment towards the disputed account and as agreed the amount that is shown represents the payment which settled this account in its entirety. For your convenience, I have attached receipts that show proof of payment made towards the account that confirms the agreement. Promptly re-investigate the account and have the inaccurate entry remove from my credit file. Your company will agree to remove the present entry from my credit report to exhibit Paid satisfactory. Additionally, other entries such as, late payments or charge off should be purged from my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been information published on a consumer report that I never gave either company ( XXXX, Equifax & XXXX ) written consent or authorization to procure or produce with my information, according to 15 USC 1681b ( 2 ). Due to the nature of this consumer report, it has defamed my character to lenders, held me back from getting my home and a host of other things. There are accounts that have been disputed several times because of this violation and the said 3 companies above sends me results stating the derogatory alleged debts WAS DELETED. According to 15 USC 1692G debt collectors are required by law to meet the five requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I did not validate the alleged debts in question on my consumer credit report. Another violation that has come to my attention is specifically with XXXX They violated 15 USC 1681B ( ii-iii ), stating if any information that has been deleted from a consumer 's file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five business days after the reinsertion. I received no written notification that this alleged debt was reinserted into a credit file that I did not give permission to produce. Please DELETE the account below due to several violations of the law. The companies in question for the alleged debt are as follows : 1 ) XXXX XXXXXXXX ( Reinserted into EQUIFAX )
Product: Credit reporting or other personal consumer reports

XXXX XXXX AUTOMOBILE DEALERS, NEW,XXXX TRANSUNION -- -- -- -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -XXXX XXXX FINANCE, PERSONALXXXXXXXX TRANSUNION -- -- -- -- -- -- -- -- -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Update the account to Paid on time and never late. Or remove it from my consumer report.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Dear Chase, As a XXXX family, we are disappointed by your recent actions. There have been numerous violations regarding XXXX credits and fraud that you have failed to address in a timely manner. It doesn't seem you claim that a second account linked to our home is associated with us. We will inform the attorney general and other authorities about your discrimination against XXXX credits and your unhelpful response. We have provided all the necessary information, including the police report and XXXX documents, but you have not helped us in any way. 

Your letter today isn't significant since you have handled our case poorly. We will file another complaint to the FTC and CFPB regarding your refusal to acknowledge and resolve the fraud. We have been victims of the Marriott data breach and the text message scam. Because of your claim to have acknowledged the cease, you still call us daily, which we have saved on our phone. You sent us a letter stating that this account was closed and opened several times. We have received fraud text links that were used to access already opened accounts and hack into them. 

Although there may have been some changes, I asked you to freeze this account many months ago before I was hospitalized, but you didn't. This account was left vulnerable and repeatedly accessed. It is now beyond the acceptable time to resolve the billing problems, and you are trying to start over, which is unacceptable. This account was linked to the other account associated with our household and was also accessed and managed with fraudulent activity. 

We would like you to close and resolve this account before the year 's end so everything can be done. We do not want to file complaints ; we want this issue fixed, but we will do so if necessary. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX should not be reporting to Equifax ; XXXX and XXXX that I am ( 30-60 ) days late on the XXXX, XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I set up auto pay for this account. When I obtained my most recent copy of my credit report, I discovered that XXXX is reporting this account late. I immediately contacted XXXX and was told by the representative the company doesn't have any record of this account set up on auto pay. This is not true. Timely monthly payments have been made. The lates that are reporting are incorrect and are seriously harming my credit score and need to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to remove these lates however, I have not been successful.
Product: Debt collection

A chargeback with my credit card was resolved in my favor for merchandise not received. The payments were made through sezzle who is trying to show the payments as overdue ( late ) payments rather than disputed and refunded. They are trying to say I owe this amount back when I was successfully credited back through my credit card for merchandise not received. The order took place in XX/XX/XXXX with merchandise that was supposed to be received in XXXX of XXXX chargebacks were filed in XXXX of XXXX. They said they didn't have information from my bank showing it was closed in my favor and asked to provide that. I did so and are still say it could take months to remove the owed late payment notification.
Product: Credit reporting or other personal consumer reports

Transunion is not being compliant and they are not properly following the FCRA as stated by law.I filed a grievance on them back in XX/XX/23 I had filed the following grievance on transunion which stated To whom it may concer this letter is a formal complaint tht this company is violating several of my rights under the FCRA.In 15 usc 1681a2 under Exclusion states Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; However your company is reporting a late payment which Constitutes an experience and transaction to which both are part of the exclusion law stated above.Furthermore under 15 USC 1681 congressional findings ( 4 ) states there is a need to insure the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy to which this company has failed to do.the following accounts on my credit report which are reporting illegal. XXXX XXXX XXXX account # XXXX latepayment. Dept of education account # XXXX payment. Dept of education account # XXXX payment. Dept of education account # XXXX Payment. Dept of education account # XXXX payment. Dept of education account # XXXX payment. Dept of education account # XXXX payment. The response I received for my above stated complaint was in quote In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX OF XXXX / XXXX ( XXXX ) XXXX XXXX XXXX-UPDATED. ( Plz refer to the original complaint and response ) They did not state the outcome of the investigation and give a explanation on the outcome of the complaint they just gave an elusive statement. I am still in a Quandary to what action was/is taking to correct the information displayed on my credit report.
Product: Mortgage

I have been trying to contact the mortgage servicing company ( Roundpoint Mortgage Servicing ) for weeks to unlock my account. The account was locked because I was forced to change my password and was unsuccessful trying to log in afterwards. I have called the customer service number numerous times, and always get the message " we are experiencing high call volume ... '' etc. I have tried the option of having them call me back, I have e-mailed them, and I have waited on hold for hours at a time. It appears as if they have nobody actually available on the customer service line. 

In any case, I am unable to log in and am unable to contact them, so I can not get any information about my loan, tax info, or more importantly I can not ask other questions that require speaking to someone. Please help.
Product: Credit card

Charged XXXX dollars for charge I did not make XXXX. Twice
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and fraudulent accounts from my credit report.
Product: Credit card or prepaid card

XXXX sent XXXX a charge and charged my navy federal credit card and it wasnt even a right charge. I am filing for insolvency since i havent had a job since 2019! I am currently going through financial hardship and have not recieved any stimulus yet. Please pause all my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

It should be known that this complaint is filed against XXXX, Experian, and XXXX for reporting information on a account that has incorrect and invalid/ incomplete information on it which violates the FCRA and due process of federal law. The account is called XXXX XXXX XXXX. and the account number is XXXX. A dispute was filled with all 3 bureaus and all 3 bureaus verified the account info as correct. No other disputes are pending with the bureaus for this account. Said errors and discrepancies are as follows : 1. Date closed is missing on all 3 Bureau reports. 2. Date of last activity is missing on all 3 Bureau reports. 3. Date of last payment is missing on all 3 bureau reports. 4. Account type is missing on all 3 bureau reports. 5. XXXX reports under account status that account is open. This is a closed account sent to collections and purchased by a collection agency. This account is not open and should not show as open by XXXX. 6. XXXX also reports under dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account is disputed. Both can't be correct. 7. XXXX also has failed to remove any codes or remarks from the account since the dispute process is over and no other disputes are pending. That is mandatory to delete said information and XXXX has failed to do so. 8. Experian reports on the account under dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account is disputed. Both can't be correct also. 9. Experian also has failed to remove all codes and remarks about disputes from the account since no disputed are pending. 10. XXXX  report shows account is disputed. Contrary no disputed exist with them either. They were obligated to remove all codes and remarks about disputes once my dispute with them was concluded. A copy of consumers smart credit 3 bureau report is included in this complaint so all errors can be seen.
Product: Student loan

On XX/XX/2023 I submitted an Income-Driven Repayment Plan application on XXXX. XXXX shows that after reviewing my application, my monthly payment should be {$0.00}, due to having no income. It also shows that this information was sent to and reviewed by my loan processer ( XXXX  ) on XXXX XXXX, XXXX. My profile on XXXX  has never shown this updated information and instead says that I owe {$340.00} by XX/XX/2023. Over the past XXXXXXXX XXXX XXXX XXXX XXXX I have continuously attempted to contact XXXX. I have sent XXXX e-mails that never recieved a response, even though the website stated they would be responded to within 4 days. I have called multiple times and due to wait times of XXXX hours, I opted for a callback option. I recieved a callback twice and each time nobody was on the other end of the call. I finally recieved a successful callback and spoke with a representative who stated that my Income-Driven Repayment Plan wasn't fully transferred to XXXX and if it is not transferred by the due date, my payment would automatically go into forbearance and I would not be penalized for a late payment. Today is XX/XX/2023 and I see no evidence on my account of my payments entering forbearance and it appears that my payments are considered overdue and I will be penalized. I have never made a late payment and due to having absolutely no income, I can not pay {$340.00} per month. Now I have to deal with the negative effects on my credit score due to XXXX not processing a payment plan that was submitted almost 2 months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following information. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXXXXX I disputed a XXXX account when I noticed it on my credit report. Mid XXXXXXXX Early XX/XX/XXXXXXXX I received a phone call from a debt collector stating that I owe {$1100.00} to XXXX. I told the debt collector that I 'm disputing this debt and submitted in writing for them send me information for this debt to which I never received. XX/XX/XXXXXXXX I pulled my credit report and saw this debt was still being reported to both Experian and XXXX . Again, I submitted a dispute to both credit bureaus requesting more information about this debt and I still have n't received. XX/XX/XXXXXXXX I checked my credit report again and not only is this item still on the same two credit reports but XXXX re-aged this account to make it appear more recent. As a result, this account is showing on my credit report as 1 month past due, a charge off and my credit score dropped at total of XXXX points on Experian and XXXX. I 'm not sure how this can be especially considering that this account has been in dispute since XXXX. Negative re-aging completely illegal and is in violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

received a letter stating that my information was leaked in a XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent Experian a letter stating that there was inaccurate information being reported on my credit report, and asked to delete. Around the beginning of this year 2024.