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

The Credit Bureaus stated that my account was properly investigated but how is that possible if Date Of Last Activity, Date Opened, Account Status, and Dispute Status are INACCURATE. This is grounds for REMOVAL. 
They also violated my rights under FCRA Section 623 ( a ) ( 1 ) ( C ) says that you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate.

FDCPA 807 ( 8 ) - Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

FCRA Section 605 ( c ) - " Re-Age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer.

They also took well over 30 days to investigate and respond to my written disputes within 30 days which violates FCRA Section 611 Part ( A ) ( 1 ) My certified tracking number for Transunion ( Delivered on XX/XX/2022 ) is XXXX. My certified XXXX ( Delivered on XX/XX/2022 ) tracking number is XXXX and my XXXX ( Delivered on XX/XX/2022 ) tracking number is XXXX. 

XXXX. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I wrote your company a dispute last month and I explicitly stated the accounts that were fraudulent and in question ; nonetheless, there are still accounts on my credit report that should not be there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is in violation according to 15 u.s.c 1681b.I never made any consent verbally or written to place this on my credit report.
Product: Credit reporting or other personal consumer reports

I have collections and inquiries on my credit report that I have no ties to and need them removed as soon as possible. I have Collections XXXX XXXX XXXX XXXX {$760.00} XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Have a current loan with a lender, I was changing positions from weekly to no weekly and the date of my house payment fell on the week I wasn’t getting paid, I called ahead to the lender and asked them if I could move my payment out a little so it would not be a late payment they agreed all was okay, they however did no do it, I was late that month and no one contacted me from the lending company the second month came along I paid it on the same date and again the following month was late, they finally contacted me after the third month and I double paid to catch up but now it is stuck on my credit report and they will not remove it even tho it’s their fault for the most part, it is causing me issues trying to purchase another house closer to where I work.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following and attached is further proof of XXXX XXXX card theft and abuse. On XX/XX/XXXX, I went in to the Sheriffs office to file the attached sheriffs theft / credit card abuse report against XXXX XXXX XXXX. In XX/XX/XXXX, a reward was offered for XXXX XXXX XXXX the same person in my sheriffs report and listed as XXXX Top Ten Most Wanted for another related incident. In XX/XX/XXXX, XXXX was arrested for False Pretenses and Forgery in XXXX County Mississippi. See attached reports. When researching, I found much more including civil lawsuits. This XXXX XXXX XXXX is the same person referenced in my XX/XX/XXXX sheriffs report that stole from my desk in XX/XX/XXXX. She stole XXXX Card, 2 XXXX XXXX Cards ending XXXX & XXXX, XXXX XXXX, XXXX, my identification, and files including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX account, and file folder of login information with verification questions and passwords. I later became aware of two cars fraudulently purchased in my name. My office was then completely destroyed in XX/XX/XXXX with 32 of water from XXXX XXXX. XXXX XXXX XXXX added herself to my accounts falsely pretending to be my wife or impersonation. The fraudulent XXXX XXXX payments that bounced were not due to my bank institution. It is obvious XXXX XXXX XXXX was a forger, credit card abuser, and guilty of false pretenses as evident in her arrests. Why was the theft and fraud denied until XXXX when cards were already charged off? My credit report information reflecting XXXX XXXX is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently trying to get pre-approved for a mortgage but when the mortgage company pulled my credit my Experian report was blank. My XXXX and XXXX  was fine and showed credit history but my Experian had nothing. Around XX/XX/2021 I contacted Experian to resolve this issue. Initially they told me my account was locked for 72 hours and so I waited the necessary time before contacting them again. The agent then told me that my profile needed to be rebuilt and to contact them in 3-5 business days. I again waited the necessary time to contact Experian. Additionally, I had requested the agent to leave a note on the account to explain what the issue was. When I contacted them again no one knew what the issue was, there was no note, and I still couldn't access my account. After staying on the line for an hour the individual I was discussing my issue with hung or got disconnected, this happened again immediately after. Each group I talk to at Experian immediately transfers me to another group where I have to explain myself again, they constantly say they will put a note on the account but every time i ask the next person if they see they note and they say they don't see anything. 

It's been three weeks now and I still don't have an answer or even any idea if any action is being taken because each persona I get transferred too doesn't know anything that has happened on the account, maintenance, notes. nothing. I can't apply for loans or credit card or anything that involve a credit report. This has been incredibly frustrating and at this point I'm just stuck. Calling doesn't help, talking to their supervisors doesn't help.
Product: Credit reporting, credit repair services, 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. 

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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, In XXXX I am asking for a correction please : Please read the official enclosed results from a Wells Fargo Research and Remediation Artist. 





We wrote and sent a check paying off this account XX/XX/2019. The payment was due XX/XX/2019. Enclosed was a note to cancel this account. We were notified Wells Fargo was selling all Branches in Indiana and Michigan. The monies needed for paying fines as a result of Consumer Mistreatment. We wanted to shut this down and no longer borrow from Wells Fargo. We did get a Bill for {$26.00} for the privilege of making a loan at Wells Fargo. I was not aware we had paid for this Privilege prior over the lifetime of the loan. A phone call was made asking to close this account also before and after the Bill. The charge was nullified. 
Then it appeared on my Credit report in XXXX as " paid as agreed ''. 


I inquired what the account was about as it did not have the entire account number. My Wife and I did not recognize the number. 
Please do something to correct this. We did NOT make a delinquent payment ever. Explain how being falsely accused for a delinquent payment is OK? How and why should we accept this as part of our Credit Reporting for 10 Years? 



XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Vehicle loan or lease

On the XXXX of XXXX, my wife and I decided to purchase our lease from GM Financial. We went through our bank to make the purchase. A check was mailed to GM Financial with paperwork requesting for the title and XXXX XXXX XXXX  to be assigned to our bank. However that is not the way things went. Unfortunately things did not go as planned on the part of GM Financial. The mailed everything to the wrong address, not to the bank nor to us! 
We have leased 3 vehicle going through this establishment, and I'm not sure a 4th will happen after this! We were given 60 days until our 1st payment would be due, which is now coming up fast. 
I have requested for some type of compensation considering the improper handling of everything, and I was told they will do NOTHING. They have now requested for a duplicated title, to which they informed me will take about 45 days. Then they can over night it to us, but hey should be sending everything to the bank that requested for the original paperwork. 
When we were not able to find another vehicle for less then XXXX over MSRP, so we thought to extend the lease. They did not give us any credit towards the residual for any of the 3 payments we made totaling ( {$1000.00} ). When I asked why we are not receiving any credit towards the vehicle, they said that was not the way it works!? 
I have the paperwork that was sent to GM Financial which does not request anything to be sent to us only to the bank. It is because of this, we are very confused why it would be sent anywhere else. We were at the understanding that we were dealing with a business that does these kind of things daily ... .what could go wrong, right. 
Now we will be responsible to make a payment on a vehicle we can not use, which is not fair business. It seems like the only thing they did right with in this transaction was cashing the check that was mailed to them. Now that they have there money and much more, they do NOT care to except blame or do anything to make things better. 
I requested for the information to reach the CEO of GM Financial to which they refused to give to me directly when asked! I was told that I could look it up for myself using XXXX, or that I could try to find it on their website. I feel like this could have been handled much better especially with a customer that has done multiple leases, maybe the money means more to them then the customers. They have been paid in full plus more, we should either have our necessary paperwork or think about covering the cost of a rental until everything is corrected, after all they made the mistake that caused all the issue we are dealing with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputes opened XX/XX/2023 for address and inquiries related to fraud and incorrect information of someone with the same name.
Product: Credit reporting, credit repair services, or other personal consumer reports

WHEN CHECKING ALL THREE OF MY CREDIT FILES US BANK IS REPORTING INACCURATE AMONG THE THREE CREDIT BUREAUS. VIOLATIONS 15 USC 1681 US BANK IS IN.
Product: Mortgage

On XX/XX/2019 PHH Mortgage communicated to CFPB and myself that they had not received my payment ( see attached ) I also received correspondence from PHH mortgage with a copy of my check, also dated XX/XX/2019 that my payment for {$2200.00} was received but will not be credited to my account. ( See attached ) and the check would be destroyed. 

PHH began collection calls and threats of foreclosure on XX/XX/2019. Even though I communicated and offered proof of payment sent by Priority Mail on XX/XX/2019. They refused my offer to rectify the situation by making the payment with their Representative over the telephone without a fee and the option to stop payment on my {$22000.00} they claim was not received. 

I repeatedly emailed and called ( with extreme hold times, transfers, and disconnects ) asking if someone could take my {$2200.00} payment over the telephone, to no avail, I was declined. They demanded, I pay almost {$7000.00} or face foreclosure, because my short-term payment plan was null and void, since my payment had not been received. 

I only had 2 payments left to make on my short-term repayment plan. Now they have added additional charges, late fees, and assessed expenses.

Ive had over {$780.00} in my Suspense Account with PHH Mortgage, which they have refused my request to use my own funds to offset my payments. 

Each time Ive made a payment, I have been charged. One month I made 2 payments and was charged twice. 

Their letter stated I can apply for a reinstatement quote, however, its not free and actually quite expensive. 

PHH Mortgage stated that they never received my check, when the check was actually received. Refused to allow me to make payment to remedy the situation. Threatened me with letters and telephone calls to foreclose.

This is exactly what happened during my initial short-term repayment plan that was initiated with Ocwen and then sold to PHH Mortgage. Ive paid for 2 short-term payment plans, which I have not been able to pay off, due to PHH Mortgage mistakes.

I want to note that during one of my telephone calls to PHH, I told the Representatives ( I spoke to 2 ), that the information they are discussing was not my account. And they argued with me and refused to believe me. I was spoken to like a kid who didnt know about my mortgage, and the information from another customers account was forced on me to listen to. I kept telling them, that is not my account.
Product: Debt collection

AmeriFinancial Solution is as fraudulent as they get. This company has been harassing me for years about hospital bills they claim I owe. Every time you write them for more information or to Validate the debt Nothing but computer generated letters from their company. All the bills that was place on my credit report over the years I had to fight to understand how can you owe what they say because the bill is not a legit bill from the hospital with what services you were rendered or paying for. I have a primary Insurance & a secondary thru the state so when I started receiving bills from AmeriFinancial I taught it was a scam until it showed up on my credit report. Took me over a year to get them off of my credit because the bureau work with these companies to make money & they do that by keeping negative items on your credit. I recently got a bill from a different collection agency trying to collect on XXXX old hospitals bills. I contact my insurance company to find out whats going on & they said we have no claims that came in and is unpaid. Wrote back to XXXX XXXX XXXX requesting more information. They wrote me back that they bought all the debt from AmeriFinancial solutions & they did not have any of the information I was requesting about the debt so they are returning them to their client. That was in XXXX XXXX On XXXX XXXX I got a letter from AmeriFinancial Solution, LLC with all the same bills that another company is collecting on. I taught how is two different companies collecting on the same old debt at the same time. AmeriFinancial Solution thinking they are smart added all the bills together & turn it into one bill. Still not saying how they came up with the amount owed because they have been just putting what they want on paperworks with no proof or validation. In the paperworks they are saying I paid {$820.00} But have a balance of {$99.00} so where did the balance come from? They cant say or validate. But they sold all the debt to another company Totaling {$940.00} this company is so shady selling the debts & still collecting on it & the credit bureau will just add it to your credit with no validation. I have enough paper trail to sue this company with all its misinformation & lies I have been dealing with them for years. A new on just piped up for {$99.00} that I already had removed because they couldnt verify/Validate so they waited about 6 months & reported it to all 3 credit bureaus with a different amount of {$99.00}. They have written me with so many different account I know they are making up the amount & making changes to make it look like a new debt.
Product: Money transfer, virtual currency, or money service

I opened an account at chase bank for personal and business use in XXXX.On XX/XX/XXXX of this year, {$140000.00}, {$80000.00} and {$15000.00} were withdrawn from XXXX accounts in XXXX.When I discovered it the next day, I immediately noticed the bank.This is Identity theft and I submitted my police report and all documents required by chase, but they still denying my claim, chase said I did not protect my account, this is so ridiculous.someone use my information withdraw money from my account, chase even did not check id is fake or not. If I have to protect my money even after depositing it in the bank, I really don't understand the purpose of a bank. Isn't a bank supposed to protect its customers ' assets? Now, my money has been stolen from Chase Bank, and they are saying that I didn't protect it myself. I can't accept this.in this claim, Chase reimbursed {$15000.00}, but for the other XXXX high-value accounts, they chose not to compensate. All XXXX  accounts experienced the same unauthorized transactions, they only reimbursed the account with the smallest amount. This clearly indicates that they acknowledge it was not my fault, but they chose not to return the money simply because the amounts were too large.
Product: Credit card

I received multiple emails from XXXX linked to my XXXX account inviting me to apply for a XXXX American Express card. The offer promised XXXX bonus miles, a {$2500.00} XXXX XXXX and a Welcome MQD of {$2500.00}. The advertising showed the offer and calculated what my new MQD balance would be and which level I would achieve if I opened the account. I opened the account from the email I was sent prior to the expiration of the offer. The account was approved and opened, but I ended up receiving XXXX cards from AMEX. Concerned that they accidentally opened XXXX accounts in my name, I called them on XX/XX/XXXX to see which card was valid and to ensure I didn't have XXXX accounts. The representative confirmed that the system accidentally added me as the cardholder and an additional user and they fixed it. While I was on the phone, I asked the representative to confirm the bonus offer and she told me I was receiving their standard offer ( something like XXXX bonus miles ). I explained to her that I received an invitation to apply and gave her the terms of the offer. She logged a complaint ( XXXX ) and said I would hear something within XXXX weeks. I did notice in my account that my miles bonus was updated to XXXX, but I did not receive the missing {$2500.00} XXXX, so I called the customer service number again today XX/XX/year> and spoke to XXXX. He confirmed that the complaint had been reviewed and closed out, but I never received any communication. The only assistance he would provide me was to open the complaint again. No one from AMEX has requested to view the email that I was sent to confirm the offer, even when I raised concerns about this being " bait and switch ''.
Product: Student loan

I requested a consolidation loan online from Nelnet. Nelnet sent a printed summary sheet to my home address, which included a proposed consolidation loan amount more than {$23000.00} in excess of my current loan balance.
Product: Credit reporting or other personal consumer reports

This is my second notice of this fraudulent account on my credit report. I never benefited from any of these transactions from this account. Per the FCRA, this fraudulent item has to be blocked and deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts that are reporting on my credit report are unverified accounts. These accounts date as far back as 2014, i have reached out to no avail to the credit bureaus and they cant provide any answers or proof as to why my credit report has the accounts. I have sent in the accounts with the dates these accounts were opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.