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

I was made aware of a huge decrease in my credit score, after looking into all three credit bureaus I noticed an account that was incorrectly reported as an adverse account on XXXX. I disputed it and was told it was updated and was a satisfactory account and has been reported as paid as agreed/never late. I also called the credit lender for the account and was told that there was never a late payment on the account, they had reported this to XXXX on the dispute I filed and told me to wait up to two months for them to update the information. I also called XXXX for information and they told me I had XXXX accounts with late payments and every account was satisfactory. Experian is also reporting that I have XXXX account that has a late payment of over 60 days, yet when I call them and look over my entire credit report, there is no account with a late payment and they tell me they can't help me because they don't see this delinquent account. I also called FICO and requested my scores and information from each bureau, and XXXX shows XXXX late accounts, and Experian and XXXX both show one account with a late payment, but can not tell me what account as when they look in their records, there isn't one. This is severely hurting my credit score and hurting me financially, and no one seems to know where this inaccurate information is coming from. I was also told by Experian to call a financial advisor, which I did, and they did not have any advice on what to do either. I also contacted a lawyer who told me to file a complaint, and then possibly sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian/XXXX/ XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.
Product: Debt collection

I have contacted Portfolio Recovery on numerous occasion to advise 3 collection accounts which they are reporting on my credit are fraud. I have requested original contracts and yet to provide they just validate debt without proof. When I spoke to them on the phone and asked for open dates they claim accounts where opened over 3 yrs ago yet they show on credit bureaus  as 18 months ago reaging fraudulent debt. One of the debts was previously removed due to fraud and resisted. Another creditor XXXX bank has already acknowledged fraud and acctount not opened on my behalf.
Product: Checking or savings account

In speaking with Bank of America I letters were being mailed to me which I have never received. Also letter from XXXX regarding funds were sent to my home address which I never received. The funds were transferred to my account, BOA cc paid that I do not own as well as $ XXXX transferred to XXXX XXXX  XXXX XXXX account that I do not own. 
I received a letter on XX/XX/XXXX informing me that I would have to pay $ XXXX on income not claimed in XXXX which was I learned then stolen from my 401k account. I have contacted the local police department, my 2 banking institutions, XXXX ( 401k company ), postal service and credit bureaus. Any assistance in this matter would be greatly appreciated.
Product: Money transfer, virtual currency, or money service

I was offered a job opportunity from my school email. The scammer claimed to be a Doctor at the clinic in the XXXX XXXX XXXXXXXX, they called themselves XXXX XXXX XXXX. They used a staffs email to send the information for the job. ( XXXX ). I checked XXXX for XXXX XXXX and was fooled into believing it was legit and texted the number they provided, they asked for my name, mailing address and resume. Then I received an email from XXXX containing a link which had taken me to a website XXXX XXXX XXXX to complete my job application. I then was asked to check online for office supplies to start working from home and so I did. I was told that everything will be paid for and students must not use their personal devices. I was to report the price online for a computer, printer and self inking stamp. I was then told that these supplies will be funded by the " professor '' and sent to me, but I will be given a check first of {$1600.00} to pay for supplies. This check was Emailed to me from the email above. The scammer/ '' Professor '' told to print the check and scan it via my mobile bank app, which I did. Once the check was successfully scanned I was told by the scammer that the funds will be processed by the next day. Since I believed I had the funds, I thought everything was okay when the " Professor '' /scammer told me to pay the supplier who will be delivering the equipment tomorrow. So they gave me the XXXX information for the supplier ( Tynesia Graves, XXXX ) which didn't work at first so a second account was given ( XXXX XXXX, XXXX ) it worked and I payed them XXXX, XXXX, XXXX respectively since a Total of XXXX dollars could not be spent at one go via XXXX. I was told that I will be receiving the supplies the next day which didn't happen and my bank told me the check was fake 2 days later. I reported to my TD bank and they set up a dispute which failed after 10 days, I reported to my local police but the investigation hasn't gone anywhere. I was scammed thinking I was receiving a job from a staff at my University. 
( I placed the 2 XXXX account of the scammer in files below )
Product: Mortgage

We have used Nationwide Bi-weekly on our 1st mortgage since XXXX XXXX and our 2nd mortgage since XX/XX/XXXX. We just received inthe mail the letter saying they are suspending service on our 2nd mortgage,, we still have notreceived a letter for our 1st mortgage, I have made several attempts toget out of the Nationwide Bi-weekly since this incident has occurred andonly left us 30 days to make our mortgage in full. I want all my fees I had to pay up front to come up with for this service to be refunded to me along with any on-going fees, since they no longer are providing the service I signed up for. I will make my own payments to my mortgage company. I have emailedthree times, with no response. I have called daily and just get anautomatic message. How are you supposed to completely get out of thisservice when there is no way to contact anyone?
Product: Credit reporting

I received a pre-approved application to XXXX credit card ( XXXX XXXX ). First off, the inquiry is from a pre-approved offer, and should be listed as a soft inquiry, so as not to damage my credit report. Second, XXXX XXXX denied the application and listed my credit score as XXXX which is also incorrect and not in my credit report. How do I proceed. Thanks for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit from Axcess Financial and they made inquiry without reason. I dont have credit with them, It is not fair.
Product: Credit reporting or other personal consumer reports

You [ XXXX XXXX XXXX, XXXX XXXXXXXX XXXX , ] replied that the alleged transaction you furnished as late was { accurate/ verified } choose the response they used } ] but my previous dispute did not ask you for accuracy or validation. 
On { XX/XX/XXXX } you furnished to { XXXX, Transunion, } put the CRA that is reporting the late payment } an alleged transaction as Late.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I requested the information that must have or possess by law in order for you to furnish a payment as late.

This is being request pursuant rule 1002.

In other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true, and in doing this the conditions required by 15 USC 1666b must be met. 
You failed to provide the required requested information, you failed to proceed in accordance with the requires for a creditor to treat a payment as late. 
It has been over 30 days and you have not properly verify the information. 
Id. at XXXX ; see also XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). 
Importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified. 
XXXX, XXXX XXXX at XXXX. So, for example, if a furnisher is unable to verify that a consumer missed a payment, then it may be appropriate for the furnisher to delete any mentions of the missed payment while continuing to report other information about the account. 
Delete the information you are furnishing to the Consumer Reporting Agencies as late from account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX
Product: Mortgage

A complaint was previously filed XXXX and a response received from Pacific Union Financial which is not acceptable. They are refusing to remove a mortgage late reported for XXXX of XXXX. To reiterate for the XXXX payment due of {$3300.00} the amount was entered in the numeric portion correctly at {$3300.00} but in the hand written portion mistakenly written as 'XXXX   XXXX XXXX and XXXX/XXXX. The shortage of {$300.00} was subsequently paid over the phone with an additional {$15.00} fee. In Pacific Union 's response attached they indicate the amount of {$3000.00} was put into suspense which is not true as they actually cashed the check which is also attached. The mortgage principal and interest portion is {$2200.00} and {$1000.00} is for the escrow amount. The principal and interest portion was paid in full on time and it was the escrow portion that was shorted. The escrow account maintained a positive balance and there were no required disbursements from the escrow account from the time of the payment shortage until the {$300.00} was collected. How was Pacific Union shorted or harmed other than not having the {$300.00} on account? Since obtaining the mortgage in XXXX there has never been a late payment and I believe that their refusal to remove the late payment is vindictive and purposely harmful as our credit rating has suffered significantly. I imagine that PUF has never made a mistake and they want to hold us to the same standard.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi! I have a credit inquiry on my Transunion credit history from XX/XX/2020 from XXXX XXXX XXXX. 

I did not authorize this nor do I recognize this company at all. I called Transunion twice to ask for them to remove the fraudulent inquiry and both times they refused, saying it was the reporting companies responsibility. XXXX XXXX XXXX customer service was not helpful at all either. 

Please remove the fraudulent inquiry from my report as it isn't mine and I am not responsible for it.
Product: Credit reporting or other personal consumer reports

Last year and a half or so I have checked my credit reports. I found disputes with XXXX and Equifax and XXXX regarding during the pandemic I was on forbearance and they said that I would not get any kind of late penalties or anything show up on my credit report. I had paid on time for 15 years and I didn't think it was an issue I'd ask him every month whether anything would affect my credit while I was in forbearance. They said no. This bank was XXXX XXXX XXXX 

Second one was XXXX XXXX  and arrangement with them and I was not late I arranged on how much I could afford to pay and they accepted it. When I probably dispute on the incorrect information that I had late payments with one of the three credit bureaus if not all three it came back that they added an extra month of late payment. No information was ever given to me on who to contact and how to get in touch with anybody at the bank itself. 

The third was XXXX XXXX  XXXX  again I had arrangements made with them and they were reporting that I was late on payments delinquent in fact. 

Nothing was ever resolved there's no information for me to contact anybody at these Banks. My account was closed at all three because I paid everything off when I sold my house. even though all accounts are paid all these late and delinquent payments keep showing up. Like I said I thought during the pandemic the mortgage company was supposed to work with us. Also I have recently gotten XXXX  card and they constantly offer loan consolidation products and things like that saying " don't worry it won't affect your credit " but it did affect my credit. Several times. To the point where I've had seven inquiries into my credit in a short period of time. Is things like car loans and loan consolidation or trying to maybe see if you qualify for a mortgage or pre-qualified. 

I was not really aware of these things until I put an application to rent my rental that I am in now. They would not rent to me because of my poor credit report. And I had no idea about that. I've been trying for almost 2 years to try to correct this. And it's a specific person like a XXXX XXXX XXXX  that I have to catch at a certain time of day from the month or the week. Very strange. Very difficult to speak to someone who could help with this. Anyway I actually had cash so I told the landlord I'd give him six months rent up front. 

I'm denied rental places to rent because of the credit report, I'm not being able to consolidate any loans, I get pre-qualified often but then they say they're sorry but they can't help me. I need to buy a car but I don't think my credit is going to let me buy a car.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Date of service XX/XX/XXXX reflecting on TransUnion XXXX report on the amount of {$19000.00} with Date open on XX/XX/XXXX date from delinquency is 10 months past collections after 60 day never received validation of debt or made aware of the account placed in collections once I reached out there text with serval attempts to settle for less than {$4000.00} without cellular phone consent to text me regarding this account once I investigate the allegations I was made aware that account was pif to original creditor and submitted proof of the explanation of benefits in writing to TransUnion to support that account was pif I then received update on XX/XX/XXXX that this account was closed however balance owed still reflecting but with a different amount of {$17000.00} so I proceeded to contact TransUnion to dispute account for balance owed to reflect XXXX on XX/XX/XXXX I then check the status of the dispute and I was informed that that the information was accurate by customer service member named XXXX then inquire about whom the investigation had taken place with I was then transferred and informed by XXXX whom stated on a recorded line that she was the supervisor and that the collections agency which the account was closed in XX/XX/XXXX confirmed the information was accurate which is a violation of the FDCPA I also received a letter from TransUnion stating that there was no credit history report found and to provide further information to sn address that is not listed onu consumer report which is 8n violation of compliance and false information regarding my report and dispute request I have supporting documents to validate everything in this summary of events to be true and I also was informed by XXXX that I will need a subpoena in order to pull all calls in reference to this situation which is violation unable to give any legal advice for assistance. There is also an account that has been PIF and is reporting to my CBR 5 TIMES which I have the EOB from insurance company that this ambulance and hospital bill is in fact PIF
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint to you today to inform and notify you that I am a victim of Identity theft. There are accounts in my file that are erroneous and must be blocked or removed, I have already sent the required and necessary files to the FEDERAL TRADE COMMISSION or https : //www.ftc.gov so please block these accounts : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$6000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX XXXX Balance {$6000.00} XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3400.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX My account with this company was discharged in a bankruptcy in XXXX. However, they have suddenly updated my account 3 years later to reflect the account is charged-off with a balance of over {$2500.00}. This is incorrect and a violation of the Fair Credit Reporting Act ( FCRA ), which requires that accounts included in bankruptcy be reported with a XXXX balance and noted as discharged in bankruptcy. This caused my credit score to drop XXXX points in XX/XX/XXXX in the midst of me trying to move into a new home. 

I've filed 2 credit disputes with Transunion and contacted the company on multiple occasions to have the information corrected on my credit report. All times, they have refused to correct this information on a recorded line. They advised they sold the debt to another agency, but I don't understand how a discharged debt can be sold three years later. The only assistance they provide is directing me to the collection 's agency, who I called and they told me they aren't the ones reporting it, that it is XXXX and I should call them for assistance. Sending me in circles. I've emailed evidence over to XXXX and included the evidence in the disputes with Transunion, they still will not correct my credit report. I am unsure what else to do as this is harming my ability to purchase a home.
Product: Credit reporting or other personal consumer reports

Last month, I called experian to dispute a hard inquiry on my credit report that I did NOT make. An attempt to open a bank account under my name through XXXX XXXX! I in fact did not do such a thing and this morning, woke up to another hard inquiry regarding another attempt to request a loan via XXXX XXXX! I have not made these attempts not have I any idea where it has come from! I made a dispute and it stated remains as if its accurately been done by me and it WAS NOT! I am in fact a victim of identity theft!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian needs to apply a strict rule that relates to the Fair Credit Reporting Act. As you can see from the XXXX XXXX XXXX credit posts on my recent hard copy of my Experian credit report , XXXX XXXX XXXX has posted two accounts where it shows clearly late payments in fiscal year XXXX. Personally I believe XXXX XXXX XXXX cut off at least five years of payment history, and I know for a fact that I had late payments dating back into XXXX. Both of these accounts should have been deleted in XXXX. However, XXXX XXXX XXXX must delete both of these account immediately, not in XXXX and XX/XX/XXXX respectively. Experian must enforce the 7-year rule as it applies to all citizens across the board. Both XXXX XXXX XXXX accounts should be deleted permanently, and a proper reinvestigation is in order.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX {$1600.00} XXXX {$1600.00} XX/XX/22 - {$2200.00} XXXX {$2800.00} XXXX {$2800.00} XX/XX/22 - {$2800.00} XX/XX/22 - {$2200.00} There were no disclosures provided ( agency, lead based paint, radon, mold, i.e. ) as required by XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX also classifies the unit as an illegal rental unit. There can be no consent of the tenant that would make the contract legal IF the contract was illegal from the beginning, which it was/is per XXXX XXXX XXXX XXXX XXXX XXXX Attached are copies of the city code, Supreme Court Ruling and proof of lack of permit/inspection as required by city code and law. I have addressed the former complaint with XXXX XXXX and provided legal support in additional disputes, but they are still being ignored. In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, a Florida Supreme Court case, the court held, [ t ] his, then, is the undoubted rule, that, when a contract is expressly prohibited by law, no court of justice will entertain an action upon it, or upon any asserted rights growing out of it. And the reason is apparent ; for to permit this would be for the law to aid in its own undoing. It seems that if there is ever a true public interest it is in housing and the conditions that we allow people to live in. We have housing laws imposed for many good reasons including health and safety. So the question seems to be if your landlord entered into a lease with you, knowing that the rental property did not meet housing code, is there really even a binding contract at all? If there is not, and the contract, in essence, is illegal, should this not prevent a court from applying XXXX  XXXX ( statute that authorizes eviction ) awarding damages to a landlord who was suing for breach against a tenant. The Supreme Court held in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, that [ XXXX ] o court of justice can, in its nature, be made the handmaid of iniquity. Courts are instituted to carry into effect the laws of the country. How can they become auxiliary to the consummation of violations of law? There can be no civil right where there can be no legal remedy, and there can be no legal remedy for that which is itself illegal.
Product: Credit reporting or other personal consumer reports

There is a collection account on my credit report from XXXX XXXX XXXX which lists PROGRESSIVE as the original creditor of the account. I don't recall having an account with your company. Can you please send debt validation for the account number XXXX. I will need to see the original contract bearing my signature because my information was compromised in the XXXX data breach. I will also need to see the forward flow agreement along with correspondence informing me that the account was being sold. If I had this, I would have known about this account and could have disputed sooner. Please inform me as to what the balance is and how much the account was sold to XXXX XXXX XXXX. Also provide me with the 1099 form since this account was written off. If you can not provide all of the information requested, and if you have not done an investigation into the XXXX data breach claim when I have already provided my claim number, then please contact the collection agency and have them remove this account due to inaccurate reporting.