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

I recently reviewed my credit report and was shocked to find a blatant error regarding my account ( XXXX ). Your report claims I had a late payment in XX/XX/2020, despite the fact that I paid on time. Even more troubling, the other major credit bureaus correctly report this account as Paid on Time. 

This isnt just a simple mistake, it feels like Im being taken advantage of. By law, under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that the information you report is accurate and consistent across all bureaus. Reporting conflicting information isnt just careless its a violation of my rights as a consumer! I'm now requesting that the late payment reported on XX/XX/2020 be updated to paid on time immediately. 

Ive attached supporting documents, including my credit report, to illustrate this inaccuracy. Failing to correct this error immediately would be a continued violation of federal law. 

Despite this confirmation, the bureau has refused to delete and remove these inaccuracies, leaving me feeling taken advantage of and powerless.Thank you for your understanding and prompt action. I have included the account number below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I finally got to look at my Experian credit report and found out that I have so many hard inquiries that i knew absolutely nothing about. I called the companies and they told me to report it with Experian so i called Experian and they said to call the companies and no one would do anything about it. I am opening a complain here as my last option. Below are the inquiries. 
XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX  Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX  Open XXXX To Be Closed XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX   XXXX  Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX To Be Closed XXXX XXXX  XXXX XXXX XXXX  Open XXXX To Be Closed XXXX XXXX   XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX   Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX USA Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to multiple unauthorized inquiries on my credit report that I did not approve or authorize. These inquiries have appeared without my consent, and despite my repeated efforts to have them removed, the credit bureaus have failed to act. My disputes have been blatantly ignored or dismissed without any proper investigate, allowing these fraudulent entries to continue damaging my credit score. This is completely unacceptable, and these inquiries are in no way a result of any action I've taken.

( XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX ).
Product: Debt collection

I sent two pay-to-delete letters to National Credit Sytems to settle my debt of {$2400.00}. I sent my first pay-to-delete letter on XX/XX/XXXX, and requested a written correspondence letter of acceptance or denial of my offer. I received two letters from National Credit Systems dated XX/XX/XXXX and XXXX of XXXX stating that a settlement can only be made if I contact the office. I followed up with a pay to delete letter on XX/XX/XXXX and didn't receive a response. I also specifically stated in my second letter that I did not wish to be contacted via phone nor contact via phone. As of XX/XX/XXXX. I still have not received a letter in response to my second letter. Today, XX/XX/XXXX. I received 6 phone calls at XXXX XXXX after specifically stating no phone communication for this very reason. Not only are they disregarding my wishes not to be contacted, but they are not trying to settle my account in writing. I also notified them via email today to make them aware that their harassing tactics will be reported.
Product: Credit card or prepaid card

On XXXX XXXX I made a partial payment of {$1300.00} towards a vacation package to XXXX, Mexico for dates May XXXX XXXX XXXX via XXXX on my capitol one credit card. I made a second payment on XXXX {$1300.00} for a total sum of {$2600.00}. On XX/XX/2020 XXXX stop it services with no notification to their customers and they provided no refund. They deactivated their website and close all their call centers leaving no possible way to get in contact with them. The flights for the vacation package was book through XXXX via XXXX. XXXX refunded two flights ( Ticket Number/Amount/Form of Payment XXXX $ XXXX ) ( Ticket Number/Amount/Form of Payment XXXX $ XXXX Check # 2 ) on two separate dates in the form of a check. The first check was sent to XXXX on XX/XX/2020 and the second check was sent on XXXX XXXX but no money was returned to my credit card. After contacting XXXX I was informed that both checks were sent to XXXX and both checks were cashed. I then proceeded to contact Capital One of to dispute the charge due to the service not being render by XXXX. After provided them with all this information and documentation, Capitol One decided to decline my dispute.
Product: Mortgage

A lender 's failure to pay the requisite taxes rendered the note and mortgage unenforceable, making the instrument unenforceable when the final judgment was entered. For clarity see Fla. Stat. Florida Statutes 201.08 ( 1 ) ( b ) & 199.282 ( 4 ).

Florida statute 201.08 ( 1 ) ( b ) - " The mortgage, trust deed, or any other instrument shall not be enforceable in any court of this state as to any such advance unless and until the tax due thereon upon each advance that may have been made thereunder has been paid. '' 199.282 ( 4 ) - '' No Mortgage, deed of trust, or other lien upon real property situated in this state shall be enforceable in any Florida Court until the nonrecurring tax imposed by this chapter, including any taxes due on future advances, has been paid and the clerk of circuit court collecting the tax has noted its payments on the instrument or given other receptor it ''. See original terms of the note attached herein. The loan amount on the original note was {$240000.00}, the allege loan modification from XXXX reflects that the loan increased to {$350000.00}, on which XXXX never paid XXXX dollar for it. Because the loan amount increased, XXXX  were supposed to record and pay the taxes due on the instrument before the judgment was entered in order to have enforceability. As of today XXXX has still not paid one dollar over the loan increase nor record the instrument. The judgment was void at the time it was issue by the court and therefore the judgment can be reversed due to the fact that as per Florida statute mentioned, a lender does not have ANY ENFORCEABILITY IN ANY COURT ROOM WITHIN THE ENTIRE STATE OF FLORIDA. READ THIS AGAIN AND AGAIN SO YOU CAN GET IT. SEE FLA. STAT. 201.08 ( 1 ) ( B ) ,199.282 ( 4 ). NO ENFORCEABILITY, READ IT AGAIN
Product: Money transfer, virtual currency, or money service

I've had XXXX Ethereum crypto ( current worth {$490.00}, has fell 10 % in price since I opened a dispute with them 4 days ago ) held by coinbase.com for almost XXXX  years now which has been unavailable. I've tried for the last XXXX  days to get resolution to this with constant run around. First it was because my ID was out dated, I went through the verification process and then they told me it was because its on hold from a transaction back from XX/XX/year> and the transaction would need to be cancelled, I contact them the next day and nobody knows whats going on with the case, I believe no one is doing any thing about the issue.
Product: Credit card or prepaid card

There was a nearly {$3000.00} USD overpayment pending on my Citi credit card for nearly 1.5 months. I requested this be processed and refunded to me on XX/XX/20. After 3 follow up phone calls, I still do not have the refund or any evidence it is pending with my bank, to which we set up the refund to be deposited as an ACH. It is now XX/XX/20, outside the required 7 days for this to have been processed and sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 6801, Congress mandates that financial institutions have an ongoing responsibility to respect the privacy of their customers and protect their personal information. These institutions, which furnish data to credit agencies like XXXX, Experian, and XXXX, are required to handle this information with care. However, I was never informed of my right to opt out of information sharing as required by 15 USC 6802 ( b ) ( c ). This explicitly states that a financial institution can not disclose nonpublic personal information without giving consumers a clear explanation of how they can exercise their nondisclosure rights.

According to 15 USC 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency XXXX only share a consumers information if they have written consent. XXXX, Experian, XXXX, and the furnishers of information have no such consent from me, and I am formally revoking any consent, whether written, verbal, or implied. 

Under 12 CFR 1016.7, I also have the right to opt out of information sharing at any time. Therefore, I am exercising this right to opt out of all reporting services with XXXX, Experian, XXXX, and any associated furnishers of information. 

The Fair Credit Reporting Act ( FCRA ), under 15 USC 1681 Section 602 ( a ), emphasizes that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for consumers ' rights to privacy. XXXX, Experian, and XXXX, as consumer reporting agencies, are not meeting this standard. 

Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information on credit reports if it is older than seven years, except for criminal convictions. The adverse information they are reporting about me violates this rule, as it is both unauthorized and outdated.

Moreover, 15 USC 1681s2 ( A ) ( 1 ) ( A ) specifies that no entity should furnish information to a consumer reporting agency if they know, or should reasonably know, that the information is inaccurate. Under 15 USC 1681e, every consumer reporting agency must maintain reasonable procedures to ensure compliance with these requirements and prevent violations, which XXXX, Experian, and XXXX have failed to do. 

These violations of federal laws infringe upon my rights as a consumer. I demand immediate corrective action and compliance with the laws cited. I am formally revoking all permissions to share, report, or disclose my information and opting out of all reporting services.
Product: Student loan

I made XXXX final payments to pay my student loan in full on XX/XX/XXXX ( {$500.00} ) and XX/XX/XXXX ( {$560.00} ). These payments have never been applied to the account, despite me making many phone calls, emails, and providing the detailed payment information from my bank. They continue to send me monthly notifications that my account is past due, and when I contact them, they indicate that they received the payment information and are " elevating '' the account. Yet, it is never resolved and no one ever calls me or emails me. To date, I have made the following attempts to resolve this : XX/XX/XXXX : I sent the first email indicating the payments that were made to pay the balance in full, providing the address and details of payment. 
XX/XX/XXXX : Ed Financial responded with instructions on how to submit payment details from my bank. 
XX/XX/XXXX : I emailed the requested payment details with tracking information from my bank. I asked the bank to contact them directly, but Ed Financial would not discuss without me on the phone. I received no response. 
XX/XX/XXXX : I sent a follow up email. No response. 
XX/XX/XXXX : I called and asked for this issue to be elevated. They promised a call back. 
XX/XX/XXXX : I sent a follow up email. No response. 
XX/XX/XXXX : I sent a follow up email. No response. 
XX/XX/XXXX : I called. They confirmed they received the payment information, said they would elevate it, and promised a return call. I never received a return call. 
XX/XX/XXXX : I sent a follow up email. I received a response that they promised they would research and get back to me. I never heard from them. 
XX/XX/XXXX : I sent a follow up email. They responded saying they would elevate and promised to get back to me. I never heard from them.
Product: Credit card

It was my Wells Fargo credit card, that I expected to have way more rewards from, than the way it was described to me. I had issues with both my credit card and my checking account. Probably this happened summer 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00}
Product: Debt collection

There i Are two LVNV collections on my credit report Ive no idea what these are about. 

This is wrong to allege two owed debts and never write me about them.!!!! 

I need proof, contracts, signatures, etc. and I need written documents so I can dispute. 

Theyve placed these on my report as open accounts which they are not. They are unknown possibly fraudulent
Product: Debt collection

I previously disputed this debt prior to XXXX of 2018 and it was removed from my credit report. I checked my report and see it is being reported again by DRS. This debt is old annd I have received no notification that the account was sent to an outside collection agency in the first place. This collection agency and the original creditor XXXX are in violation of the FDCPA
Product: Debt collection

FAIR COLLECTIONS & O ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you FAIR COLLECTIONS & O or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : FAIR COLLECTIONS & O or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 2 letters certified mail XX/XX/2022 and XX/XX/2022 asking for an investigation done on incorrect items on my credit report to all three credit bureaus. not one did anything until the 3rd certified lettered on XX/XX/2022 at which XXXX simply said everything was updated without giving any information after 3 months and Equifax said that account in charged off that are paid will remain on the credit report for 7 years, so they didn't do an investigation after 3 months. XXXX never replied.
Product: Mortgage

I applied for mortgage loan with XXXX bank on XXXX XXXX, 2016 and it pulled a credit score from Equifax. The credit score it pulled was XXXX points lower than the FICO credit score pulled from Equifax on XXXX/XXXX/2016 that appears on my XXXX XXXX credit card statement. Neither XXXX or XXXX XXXX can explain the difference. However, the Equifax FICO credit score from XXXX would allow me to qualify for a lower interest rate on my mortgage. I can not reach anyone at Equifax to explain the difference in credit score. I would like an explanation of what credit score from Equifax is being used by XXXX XXXX and why it is different from XXXX. If this is a non-standard model, is the scoring system artificially lowering my score to increase my rate. If that is not the case, why is there not a transparent credit scoring process used in the banking system so that a consumer can predict their mortgage rate by knowing their credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 my information was used for a credit card inquiry at XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. It was reported to me on my XXXX XXXX XXXX wise report via TransUnion. 
XX/XX/XXXX I called XXXX XXXX XXXX to tell them I did not attempt to open a credit card and to stop this and report it as fraud. I was told the Credit card was canceled and was given a reference number XXXX. 
I created an account on IdentifyTheft.gov and continued to call all three credit agencies to put a freeze on my account. On my first call with TransUnion I had them put a 1 year fraud alert on my account. They told me in order to remove the inquiry from my credit report I would need to get a letter from the FTC and this is what has me here.
Product: Credit card

For the billing statement due for XX/XX/, the amount due was {$68.00}. I paid {$35.00}. For the bill due XX/XX/, I paid {$33.00}, per the online BALANCE DUE ON THE ACCOUNT. I paid it, then receive a bill saying I owe {$1.00} in interest. 

I have two questions : Why, if you credited my payment for XXXX for {$33.00} less than 5 days after my XXXX payment, why do I owe interest? Your representative said I was 4 days late, when in fact I was paying off the card EARLY. If the balance due is {$33.00}, your company should accept {$33.00} as a final payment. A balance due is what I owe you. PERIOD. Why did you charge me interest, when I paid off the card? Interest for the ENTIRE month of XXXX was {$1.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I from XXXX to XX/XX/2020 have been trying to get a free credit report the three companies that does this has either ignored me or says that i due not exist. I tried to fax as well as gone on their web site and did what i was ask to due. But no results as of yet.
Product: Credit reporting or other personal consumer reports

I believe my information is been sold by third party companies I keep receiving notifications of hard inquires I dont recognize
Product: Debt collection

I am not liable for this debt with TRANSWORLD SYSTEMS XXXX INC. I do not have a contract with TRANSWORLD SYSTEMS INC. They did not provide me with the original contract with TRANSWORLD SYSTEMS INC., as I requested. 
TRANSWORLD SYSTEMS INC Account Number : XXXX Number : XXXX Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported an error & requested an investigation on my Experian & XXXX credit report related to an account with XXXX XXXX XXXX XXXX for the amount of {$330.00}. This account was for a hospital bill that belonged to my son and clearly states his name on the original document. They have refused to remove the item and/or re-investigate the account. I have even provided documentation and notified the original place of the bill to have my name removed from the account. Nothing has been done about this negative item on my account.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX XXXX XXXX XXXX XXXX XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.