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

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. Please have the account corrected and updated. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax put me in a hard place during its data breach. I have spent hours trying to make sure my report was frozen and it seems it didn't work as there are accounts on my report I do not recognize that were open recently in last few years. For there data breach I see where the CFPB reached a settlement with Equifax but I have got nothing from nobody. Just the cost out of my own pocket trying to clean up Equifax 's mistake.
Product: Money transfer, virtual currency, or money service

Upon moving to XXXX  alone, I decided to get a dog. I located a french bulldog breeder on XXXX and " reserved '' XXXX of their puppies on XXXX XX/XX/2022 for {$350.00}. I requested a couple weeks to move into my new place then I would pick up the puppy. We corresponded regularly, sent pictures and videos and kept in communication regarding timelines and health of the puppy. Once the " puppy package '' was completed, the breeder requested another {$350.00} which I sent on XXXX XX/XX/XXXX. The day before I was to pick up the puppy, the breeder requested the final payment of {$700.00}, which I paid on XXXX XX/XX/2022. The next day after work, I drove to the address in XXXX, XXXX  provided by the breeder. I arrived at the location around XXXX, and the person at the house informed me there was no puppy there. I reached out to the breeder to confirm address and was immediately blocked. During my drive back home, I contacted my bank ( USAA ) to file a dispute for all three of the XXXX transfers. Yesterday, XXXX XX/XX/2022, my bank informed me they had reviewed the policies and regulations and decided in favor of seller. XXXX holds the money sender liable even if the seller does not provide the goods as promised. There is no buyer protection when using XXXX. USAA requested the external institution of the seller return funds, and they declined. As of today XXXX XX/XX/2022, I have requested the documented used to decide in the favor of the puppy scammer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting account number XXXX as 30 days past due in XX/XX/2021 when that is not accurate. I have never been late on this account. They did close the account but I have never missed a payment. According to the Fair Credit Reporting Act and FACTA, they must report accurate information and with the CARES Act, I am protected from any negative reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. I have never been late with payments on this account. 
XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Product: Credit reporting or other personal consumer reports

Reporting information on a consumer 's credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them to place such information on my consumer report because my privacy rights have been violated, I am demanding the company block and remove the inquiries from my consumer report not later than XXXX business days after such information I provide. Inquiries : XXXX XXXX, XXXX XXXX.
Product: Mortgage

At closing on XX/XX/year> my CD reflected a payment of {$4100.00}. As of today, the mortgage company is showing a payment of {$4800.00} which is more than {$700.00} over what what was disclosed. 
Instead of using the escrow of {$950.00} per month given at closing, the mortgage company wants to collect escrow of XXXX Their MONTHLY breakdown is as follows : Insurance : {$200.00} City tax : $ XXXX XXXX tax : {$910.00} In 2024, the XXXX XXXX taxes for XXXX XXXX XXXX were $ XXXX and they want to collect {$910.00}???!!! 
This is nearly double the amount they can be collecting. Based on my research, the mortgage company can collect the actual taxes plus a XXXX cushion. My 2024 tax bill is also under appeal and I expect the value to be lowered thus they will be over collecting by approximately {$7000.00}. I have contacted the mortgage company about this and they tell me there is nothing they can do. The most recent person I spoke with told me her name was XXXX from the " XXXX department '' and I used the number XXXX to speak with XXXX Customer Service who told me I needed to be working with the XXXX Department. 
NOTE : There is already {$2800.00} in the escrow account as of XX/XX/year> XXXX
Product: Mortgage

I have a previous complaint about JPMC in their response to my complaint they admitted to waiting from XX/XX/XXXX until XXXX to respond Dodd frank says JPMC HAD 30 DAYS. Dodd Frank also says failure to comply with fair lending practices voids JPMC interest in my property ( under the dispute resolution section ) there are several other issues but the laws and regulations say that JPMC LOST interest in my home with that action XX/XX/XXXX / XXXX 30 days after I started looking for a non existing insurance where they aloud changes to my insurance without letting me know since XX/XX/XXXX. JPMC waited 90 days to let me know anything. since JPMC violated Dodd Frank and RESPA they have no right to take these actions but they are just trying to bully the little guy. My paperwork in my other complaint was answered by JPMC THEY admit that they did not respond about my issue in XXXX or XXXX until XXXX. That is much more than 30 days aloud by law. Since JPMC violated laws they can not take my home because they voided their interest according to Dodd Frank 1ce in XXXX again in XXXX and a 3rd time in XXXX. 

2nd JPMC STARTED PYRAMIDING LATE FEES XX/XX/XXXX Dodd Frank says that no collection on disputed funds is aloud and no fees are aloud. On my statements I send you can see in XX/XX/XXXX that JPMC received my payment on the 8th Dodd says they are required to apply it that day, but they held it 21 days that is a crime 18-USC 656 42 USC 3631 my right to fair housing. 

Truth in lending? 
JPMC has no right to take my home after they broke the contract clearly they voided their interest in my property Says Mtg laws and regs so the effort to take it is fraud and other crimes under RICO like extortion. 

The most current executive to participate is XXXX XXXX XXXX XXXX XXXX XXXX he is aware of the fraud and is a willful participant
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX Have 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.
Product: Credit reporting or other personal consumer reports

This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block the accounts which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

After reviewing my credit file, I am writing to dispute the incorrect account in XXXX, and TransUnion. 

XXXXXXXX XXXX XXXX XXXX  XXXX Court : US BKPT CT XXXX  XXXX TransUnion XXXX XXXX XXXX XXXX  Court : U.S. Bankruptcy Court
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX XXXX & XXXX XXXX Veteran and I went through the proper channels to get my student loan forgiven and discharged. As of XX/XX/XXXX, the student loan in the amount of {$140000.00} was permanently discharged and suspended. The other two credit reporting agencies XXXX  and XXXX both have removed the student loan from my credit report back in early XXXX because I presented them with proof that it was discharged and suspended, but Equifax credit reporting agency refuse to remove the student loan from theirs even after I have submitted the actual letter from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX proving that the loan is discharged and suspended. I have put in back to back disputes and re-investigations into this matter with Equifax and they keep coming back saying that the credit report is correct and the student loan is staying on my credit report. Equifax just will not remove this student loan from my credit report. This has lowered my credit score to the point where I can not obtain credit or purchase a home, potential creditors refuse me credit thinking that I am a high risk candidate and this is unfair to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft or incorrect reporting. These inquiries are currently being reported by XXXX, XXXX, and Transunion. 

XXXX. XX/XX/2023 XXXX XXXX XXXX. XX/XX/2023 XXXX, XXXX XXXX. XX/XX/2023 XXXX, XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last few months I've been sending letter to remove the charge-offs from my credit report. From my research these accounts have been filed on each of these companies 1099C and they are still reporting and asking me to pay this debt. Not only is it inaccurate and I've yet to receive any original documents to validate or verify this debt, I haven't received a response. Also, all they have done is take the information that I've provided for the credit bureaus to show the inaccuracies so that these accounts can be removed and update their information. This can't be legal. 

ACCOUNTS XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX date XX/XX/XXXX. Open date XX/XX/XXXX. XXXX date XXXX XXXX XXXX {$11000.00}. XXXX {$2400.00}. Amount {$9500.00} XXXX XXXX  Possible XXXX XXXXXXXX XXXX Open date XX/XX/XXXX. Open date XX/XX/XXXX. Open date XX/XX/XXXX XXXX {$590.00}. XXXX {$750.00}. Amount {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX Open date XX/XX/XXXX Open date XX/XX/XXXX. XX/XX/XXXX XXXX
Product: Checking or savings account

I called into the PNC call center about a 2 overdraft fees. I was sent to the escalation department. The case worker there was rude and unhelpful. I ask to speak to a supervisor. She rudely said to me " that the overdraft fee would not be refunded regardless of who I spoke to ''. I was told that if I had a problem with that I could send a letter to corporate. Today, X/XX/17 I called the corporate line I found online. A male consultant then told me that if I wanted to go ahead and use my card, I could opt into overdraft protection ( which would just charge me more in over draft fees. ) I have been treated aggressively and the customer service reps refused me the opportunity of speaking to a supervisor. I feel the refund was due because of a bank error. I had an overnight direct deposit come in. The bank processed the deposits after allowing my account to over draw. I feel the bank allowed this to happen to exploit the circumstances and make money off my account. I am not asking for ALL 6 of the overdrafts ( at {$36.00} each for a total of {$210.00} ) they have charged me this month. Just the 2 that went through last night.
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. 

XXXXXXXX Account # XXXX XXXX XXXX XXXX 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: Debt collection

I have contacted this company on several occasions asking them could they verify the debt. They stated for me to contact verizon for the contract. I contacted XXXX and they told me contact the PINNACLE CREDIT SERVICES LLC. They are giving me the run around. And this debt is not mine. It was fraudulent and I have contacted them letting them know this!!! They are n't giving me any steps what to do next.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate account appearing on my credit report. The account details are as follows : Creditor Name : XXXX Bank Account Number XXXX Reason for Dispute : I was never associated with this account. 

I was an authorized user but have since been removed. 

This account is reporting incorrect payment history or balance information. 

The account was previously disputed but remains inaccurate. 

This account is fraudulent or does not belong to me. 

Under the Fair Credit Reporting Act ( FCRA ), I request that this account be immediately removed or corrected. I base my dispute on the following federal statutory requirements : 15 U.S.C. 1681e ( b ) : Requires that all information reported is accurate and complete.

15 U.S.C. 1681i ( a ) ( 1 ) : Mandates a reasonable investigation when a consumer disputes inaccurate information.

15 U.S.C. 1681i ( a ) ( 5 ) : Obligates the deletion of unverifiable or inaccurate information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Compels furnishers to report only accurate information.

15 U.S.C. 1681s-2 ( b ) : Requires that furnishers investigate disputes and update or delete inaccurate data.

15 U.S.C. 1681c ( a ) ( 4 ) : Limits the reporting period for negative information.

15 U.S.C. 1681g : Provides consumers with the right to access and verify the information in their credit files.

15 U.S.C. 1681n : Grants consumers the right to sue for willful noncompliance with the FCRA.

15 U.S.C. 1681o : Establishes liability for negligent noncompliance with FCRA provisions.

15 U.S.C. 1681p : Defines the statute of limitations for FCRA violations.

15 U.S.C. 1681b : Restricts access to consumer reports to parties with a permissible purpose.

15 U.S.C. 1681h : Sets forth the disclosure requirements for credit report information.

15 U.S.C. 1681d : Details the obligations of consumer reporting agencies in handling disputes.

15 U.S.C. 1681j : Requires that consumers receive proper adverse action notifications based on report information.

15 U.S.C. 1681k : Imposes liability for willful noncompliance with the FCRA.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$4800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

They have started calling my place of employment and my manager has asked them to stop. I made payment arrangements with them but I this month I was unable to keep the arrangement. They are harassing me at work hourly.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

First, and Foremost, my Problem is not with The Creditors, it is with the XXXX  XXXX and Equifax Scores, and the fact that each and every week XXXX and Equifax keeps decreasing my Credit Score. On XX/XX/XXXX, I Leased a New XXXX XXXX XXXX, and at the same time Traded/Turned in a XXXX XXXX XXXX, which had 4 months remaining on that Lease and a balance. 
The XXXX Dealer accepted the XXXX, and sent a Full Payoff, which included the remaining 4 Months, to XXXX XXXX XXXX ( XXXX ), Account Number # XXXX, which they Posted as Paid in Full, and Account Closed on XX/XX/XXXX. 

XXXX/Equifax continues to Decrease my Credit Scores Each and Every Week for No Reason? I understand a One Time decrease for the Credit Inquiry on the New XXXX XXXX XXXX, and the Fact that I opened a New Loan/Lease? But, what gives XXXX  and Equifax a right to continue to decrease my scores weekly? 

To add to this I have made Payments to XXXX XXXX XXXX on the XXXX XXXX XXXX, and to XXXX XXXX which have not been recorded by XXXX or Equifax and Neither Company has not increased my Scores, neither Did XXXX/Equifax Increase my Scores for the Payoff from XXXX XXXX to XXXX XXXX XXXX of over {$2600.00}. XXXX, to Pay Off the XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

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

im a victim of identity theft and have contacted all 3 bureaus about this issue to no avail! i even filed a police report at my local sherrifs office and yet still nothjing has been done! beeen dealing with these issues for years and its holding me back from acquiring the things i need in life! 
XXXX  XXXX and transunion