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

on XX/XX/2023 XXXX XXXX responded back to a dispute i had about an account that was created under my name fraudulently. They investigated and came to the conclusion that the account would be deleted as well as the inquiry that account made. When i called all the bureaus they stated that they dont have that information and the XXXX is still reporting. The account must be removed now because it does not belong to me. PER 15 USC 1681 B YOU ALL ARE BREAKING THE LAW. I DID NOT AUTHORIZE YOU ALL TO FURNISH THIS WRONG INFORMATION THEREFORE IT MUST BE TAKEN DOWN ASAP!
Product: Credit reporting

I purchased the home at XXXX XXXX XXXX XXXX in XXXX through XXXX in XXXX of 2003. I have never been late on a payment or had any issues in the, almost, 13 years since. Since the inception of the loan I have had the mortgage taken directly out of my checking account. 
In XXXX of this year, after a 3 month interview process, I was offered a job in XXXX XXXX. I started with my new company on XXXX XXXX. From the day I accepted the offer my life has been upside down. I have a XXXX, a XXXX year old and a XXXX year old. I had one month to find a place to rent in XXXX XXXX, tie up loose ends with my employer, figure out health care ( a must with XXXX little ones ), find a new pre-school etc. Since we did n't have any time to look for a new home we are renting a small condo in a rough part of the city. My wife agreed to the area because it was " temporary ''. We were to move here for a couple of months while we found a new house. We are now past the holidays and are starting to look for a new home. With everything going on I did n't notice that the mortgage had n't been deducted from my checking account. I have n't given this a thought in the last 13 years! I thought that an automatic deduction was the safest way of paying the mortgage. I never received any notification that the mortgage holder had changed. 
On Wednesday XXXX XXXX I received a call from someone in the XXXX. This was the first inkling that something was wrong. XXXX called me in the middle of a meeting. I had to tell her that I would call her back. That night I looked my checking account and realized that the mortgage had n't been taken out since XXXX. As you can imagine, I was upset. Anything negative on my credit can potentially ruin my chances to get a new home loan. I called XXXX back the next day ( Thursday the XXXX of XXXX ) and gave her my checking account information to pay off all of the unpaid balance. Of course, I had all of the money ... it had just been sitting in my account. On Friday, the XXXX of XXXX, I called back to follow up on the payment because I did n't see that it had been taken out of my checking account. It was at this point that I realized how this could truly harm my family and me. The organization had reported a 90 day late and 60 day late to the credit bureaus. I will not be able to get a loan with this on my record. This would effectively take me out of the market for a new mortgage for years to come. I know that I should look at my account carefully and I usually do. The last couple of months have been crazy for my family and me and it just did n't dawn on me that this would ever happen. It was a total surprise that I rectified as soon as I could. 

This is in regards to Experian.
Product: Checking or savings account

On the Eve of XXXX XXXX weekend Friday I went to XXXX on XXXX XXXX in XXXX Georgia to take out {$360.00} out of my Social security account through my Direct Express card that is linked with Comerica Bank which is affiliated with the United States Treasury through the Social security department for people who receive Social security income as the ATM machine was dispensing my money it seized up locked up and displayed on the screen not enough funds out of order printed a receipt showing I only had {$11.00} left in my account I directly walked over to the counter and spoke to the customer service representative at XXXX who then called XXXX XXXX XXXX XXXX they then took my information balanced out the machine and saw that I did not receive the money they then gave me information such as a confirmation or reference number and a regulation e form to tell my bank they needed to fill out and with the number they could see that the money was not received I have called over 20 times since then Direct Express has a robotic answering system that says they have high call volume and then they disconnect you so within this time period I was only able to connect with four people two of the four people hung up on me in the middle of the conversation after I gave security answers, one representative did not even know what I was talking about and sent me to level two department where I was put on hold for over 60 minutes to the point where I hung up I then tried another time and connected with someone else who did the same sent me to level two where I was put on hold for over an hour to the point where I got discouraged and hung up I do not believe there is a level two department I believe they just put you on hold until you get tired of it and you hang up I've yet to receive my money back I am XXXX years old I only get {$870.00} a month in Social security income and that {$360.00} was left to pay my remaining bills and to buy food for myself for the rest of the month I have no money at all and can not get the bank to help me so I am filing this complaint and hopes that you can help me resolve this matter as soon as possible as I am hungry and I'm afraid that my power is going to be shut off
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act my rights have been violated. 

My XXXX  account has been updated but showes late payments. Attachment contains a letter from XXXX XXXX say that my account has been updated. 

15 U.S.C 1681 section 602A. states i have the right to privacy.

15 U.S.C 1681 section 604A. Section 2 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 168b A creditor may not treat a payment on a credit card account under an open endconsumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted XXXX XXXX XXXX as well as XXXX  and equifax various times in the past 8 months to investigate, verify, and validate this debt ... and they have never sent me a response or even marked this as in dispute they are in clear violation ... covid or not its been multiple attempts and they have not conducted and investigation that they are supposed to do by law ... ..there is so much incorrect reporting on this account that i do not know where to start..first off they are reporting this as an open charged off account it can not be both that is a violation ... 2nd they are reporting a charge off with a balance of {$2700.00} it can not be both ... they are reporting a charge off with a past due ... it cant be both the comments are different in both, the 2 year reporting history is different in both, date of last payment and last active is different in both which makes me think that thhey are changing these dates ... .the 2 year reporting history is different on both and to top it off i never had a cell phone with XXXX XXXX XXXX in my life i have no idea why this is on my report ... my next step is contacting an attorney to fix this and sue them for messing my credit up
Product: Credit reporting, credit repair services, or other personal consumer reports

I need all the hospitals bills off it wasnt me!!
Product: Mortgage

My mortgage company Nation Star Mortgage while in the process of giving me a loan modification, send me a check for {$780.00} on Fri XXXX/XXXX/15. I called and ask why was the check sent a young man named XXXX said to make my payment higher. Chec cut from XXXX XXXX Bank check # XXXX dated XXXX/XXXX/15. Nation Star Mortatage XXXX XXXX XXXX XXXX XXXX Texas XXXX. Is n't this illegal? My loan # XXXX. 
I will be sending the check back. I am writing this while I can at XXXX, for aim some how blocked durning the day time hours. I have just sent off an XXXX check for {$1100.00}. 
Please help us my husband and I. We are the XXXX at XXXX XXXX in XXXX NJ XXXX. Please write and I will call you or all XXXX XXXX. 
Thank youXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received this document in my personal email account. The letter is from PayPal as an invoice but I do not currently have an active account with PayPal and this is an attempt of fraud the Order ID # XXXX. XXXX of XXXX XXXX in the amount of {$570.00}. It states that the payment will be automatically be debited from my checking account. I do not accept nor approve or active such purchase. The charge states from XX/XX/XXXX. 2004 and in XXXX - Hours the charge will appear. I have no CONTRACT with this fraudulent PayPal XXXX horse account. I am denying any all artificial - defacto contracts with this said XXXX purchase. The invoice has a inoperable telephone number XXXX ( XXXX ) XXXX. I have attached a copy of the Invoice per my complaint.
Product: Credit card

I believe the following account is invalid. JPMORGAN CHASE BANK needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration or material alterations, and that the original lender provided value. Further, that the alleged account was transferred in good faith and by the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the following account to be removed from my credit & their records. JPMCB CARD XXXX
Product: Credit card

I was gathering financial information in order to prepare for a future home loan and received my XXXX credit report and score. 

Unfortunately, to my knowledge, I see a list of hard inquiries of who has viewed my consumer information. XXXX of them listed was a credit card account listed in my name without my knowledge or consent from American Express. 

The American Express address was listed as XXXX XXXX XXXX in XXXX XXXXXXXX XXXX XXXXXXXX with the number at XXXX on XX/XX/23 and XX/XX/23. 

I have never performed any business activity with American Express, nor have I ever lived nor visited XXXX XXXXXXXX XXXX 

I have only utilized a XXXX XXXX credit card through XXXX and a XXXX XXXX  account through XXXX  XXXX XXXX.
Product: Mortgage

We have a mortgage on a rental home that turned out to be a XXXX adjustable. This past XXXX, 2015, it adjusted and the PITI increased by {$900.00}. We contacted the mortgage holder, ASC, and inquired about a modification. For 4 months we submitted paperwork to them. They asked for paperwork that appeared to have nothing to do with the modification requested. All docs were provided yet they asked for the same documentation over and over and over and over. Ultimately we were denied. On the phone our " representative - XXXX XXXX XXXX '' said we were denied because the property was titled to our XXXX. However the letter we received from ASC said that we were denied because we were NOT behind on our payments. We appealed with reasoning based on the Denial Letter rather than that verbally given by XXXX XXXX. Denied again, even though the property had since been Quit Claimed out of the XXXX and back into my name. XXXX XXXX continues to say the denial was due to the XXXX titling and that our only option is to re-apply for another modification. We have asked XXXX XXXX for documentation showing the denial was due, as he continually says, to the prop being in an XXXX AND for the HAMP guidelines to see if we 're wasting our time requesting a modification. He refuses to provide either, and double-talks us when we point out the inconsistency between what he tells us and the letters we 've gotten from ASC. 

On-line research into ASC shows that there are an amazing amount of complaints against the company relating to modifications including delays, denials or giving specific instructions for people to get behind in their payments so as to qualify for a modification ... and then foreclosing rather than modifying. In our case we feel we were jerked around for 4, now 6, months making payments to ASC rather than shopping for a refinance. For 4 months our file was reviewed by an Underwriter who seemingly had no training at all - evidenced by continual requests for documentation already provided and an obvious failure to understand what was submitted ( we are XXXX ). And now we are being told to re-apply by XXXX XXXX. In an email request for specific modification guidelines, XXXX XXXX states that his supervisor told him he is unable to provide written guidelines for the modification. He also refuses to provide the letter stating we were denied because the property is in a company name. Are n't we entitled to a valid denial letter? Are n't we entitled to know what criteria we need to meet in order to qualify? It seems as if it is a moving target without any specifics, so denials and approvals are random. We are being given a run around and now XXXX XXXX is not answering emails at all. This is definitely fraudulent.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain entries on my credit report that do not belong to me and are negatively impacting my credit history. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to accurate, complete, and verifiable information on my credit report. 

The accounts in question are listed under Account Name : XXXX XXXX XXXX, Account Number : XXXX, which I have identified as fraudulent or inaccurately attributed to me. These accounts are not mine, and their presence on my credit report is unjustly harming my creditworthiness and access to financial opportunities.
Product: Debt collection

I sent a previous complaint on Transworld systems on a debt they are reporting to my credit report that is not mine, it's in my name at an address I have never been associated with, I have told them this multiple times, after i made the first complaint I received a letter stating they would close the account and stop reporting the negative item. This was XX/XX/year> to date they are still reporting the item and did not remove it. I literally spoke to 15 reps and 4 managers all who assured me this would be rectified, one rep even stated she would send an email to XXXX XXXX, I have sent an email to him to and he never responds back. This should not be against my credit and apparently Transworld Systems is not following what they said they would do.I need this removed immediately
Product: Credit card or prepaid card

What happened was I wasnt able to get into my account because of the two step verification. So I called to have them change the information BECAUSE it was last connect with my old phone number and invalid email address! So I wasnt able to log in and check my balances or transactions. Its been 2 weeks and still NOTHING has been done to my account! I keep calling, still arent doing anything!

Waited another week and I called again when I got paid, like hello its been weeks now so then I submitted documentation of my license they said theyre team is going to review it and thatll take 48hours! Ok its been 2 days now I call back againnnnn and now theyre telling my theyre investigating and that THEY CAN NOT TELL ME ANYTHING ABOUT MY ACCOUNT OR ANY TIME FRAME ON HOW LONG ITS GOING TO TAKE BUT have my money and my next check going into that account next WEEK! I want my money and to close this account since this is how you guys do business!
Product: Debt collection

There is an account that just reported on my credit file, THIS IS NOT MINE nor did I receive ANY notification about this, or I would have disputed it. This is WRONG!
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are not complete and accurate. 

I sent a letter asking them to make sure everything is complete and accurate They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure 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. 

But they did not do that as well either. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I have disputed XXXX accounts on my credit report that were taking off my credit reports before from the by XXXX other collections companies that had these accounts ( Please see attachments ). We have disputed these accounts with the collection company ( after seeing them on my credit reports and they never responded to my requests. from XXXX ) that were added. I had never heard from this company before, never got anything mail or phone calls from this company before it was placed on my credit reports. So I sent them a request to validate the alleged accounts ( on XXXX/XXXX/2015 by fax to XXXX ) but never heard back from them within the 30 days required by the LAW. So on XXXX XXXX, 2015 I sent them another requesting that they delete the accounts from my credit reports since they did n't respond within the 30 days as the law required. As of today they continue to report these accounts on my credit reports. I 've contact the original creditor who is listed on my credit reports and they did n't have any information about the XXXX alleged accounts. They continue to report these alleged accounts to the CRA 's in violation of the FCRA, FCBA because I was never sent any notices before they reported these alleged accounts on my Credit Reports. These accounts have been deleted from my credit reports and keep getting sold to other companies after its removed from my credit reports. The alleged account is in violation of Pursuant to Tex. Civ. Prac. & Rem. Code 16.004. FOUR-YEAR LIMITATIONS PERIOD. These accounts were deleted and continue to be resold and placed back on my credit reports ( the companies that had the accounts that were deleted, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX ). I sent the collection company a letter to validate the alleged debt and never heard back from them but continue to report that it belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts which appeared on my credit report without my knowledge. I did not open the accounts, I am not related to any transactions that were made on the accounts.. I asked Transunion where did they get this information but they just gave me a print out showing its verified. This is not enough justification that the accounts are mine.. There is no proof or a contract with my signature that I am the correct party responsible for the accounts.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : XXXX, DEPT OF ED / XXXX : XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX  : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.