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

I do not recognize these credit inquiries, and I've asked them to be removed, but the bureaus did not do anything. Please remove the credit inquiries because they are inaccurate and not mine. Thank you. These were not authorized. XXXX XXXX XXXX - Dated : XXXX XXXX XXXX  - Dated : XXXX XXXX - Dated : XX/XX/XXXXXXXX XXXX XXXX XXXX via XXXX XXXX - Dated : XX/XX/XXXX XXXX XXXX XXXX via XXXX Dated XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX Dated : XX/XX/XXXXXXXX XXXX CREDIT BUREAU XXXX XXXX Dated : XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled a copy of my credit report on-line and found that you are reporting the following inaccurate information in my file that is negatively affecting my credit score. 
Creditor : [ [ XXXX ] ] Account Number : [ [ Account # XXXX ] ] Account Rating : 90 Days Late Reason : [, I was never late, ] Also, if you have documents to prove your claim, mention here that you are attaching them. 
I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. 
Thanking you in advance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX SSN- XXXX XXXX
Product: Credit reporting or other personal consumer reports

on the month XX/XX/year> I submitted a complaint to the CFPB because Experian was reporting an account on my report ... .I got a response from the CFPB THAT SAID THE Company responded on XX/XX/year> AND THAT ACCOUNT WAS NOT REPORTING ON MY REPORT BUT AS THE SCREEN SHOTS WILL SHOW ITS STILL ON MY REPORT..THEY TOLD YOU CFPB ONE THING AND CONTINUE TO DO WHAT THEY WANT..AND THAT IS RUINING PEOPLE LIVES WITH THEY FALSE REPORTING... MOVING FOWARD I WILL BE SEEKING REMEDY IN OUR COURT SYSTEM IF THIS MATTER IS NOT RESOLVED ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau to do a verification of everything on my credit report. They did, and stated that everything was accurate. I did a thorough research of my own and found improper inaccuracies on the credit reports, even after they did their thorough research. 

In accordance with the Fair Credit Reporting act, the following : XXXX XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXXXXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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

Today I received a letter from Progressive Management Systems in XXXX XXXX, CA for their account XXXX stating I did not pay a {$100.00} bill. I immediately called and XXXX stated it was for a co-pay of {$100.00} for a XXXX XXXX, 2016 XXXX bill. I asked her if this had be reported to my credit report as I did not want this to effect my credit report and she said if I resolved it with in 30 days it would not report to my credit report. I told her I never got five notices from XXXX and I will check my receipts and call back. I searched my receipts and check book and only found two letters XXXX sent me asking if this XXXX visit was for an XXXX but no invoices were ever sent by XXXX to me. I called back and spoke to XXXX to pay it. After I gave her my XXXX and paid the {$100.00} bill I confirmed that this was paid and resolved and not showing on by credit report. She said if I dispute it to them they must report it to the credit report. I told her I am paying it and I was told if I paid it immediately it would not show on my credit report as I have excellent credit. XXXX and XXXX both lied to me to get me to pay this bill and then after they had my XXXX and I paid it then they said it would be reported. I told them I should be able to state the fact that their client has poor procedures and billing processes and that I never got even one invoice from XXXX. XXXX continued to tell me that even if I paid it the same day I got the notice it would go on my credit report. I do not feel it is right for them to misrepresent or lie to me and then report this account to my credit report after I paid it immediately. I owned a XXXX for 30 years and find their behavior unethical and misleading to consumers. These types of agencies should be put out of business and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 at XXXX, I called Transunion regarding a dispute. This call lasted 21minutes. 

Upon calling, I spoke to a auto mative service that lead me to a customer service agent, named XXXX XXXX, XXXX did not disclose his employee ID as requested. During the phone call with XXXX, I gave him applicable information to look up my file, which he did. He asked me the reasoning of my phone call, in which I stated to dispute an alleged transaction off of my report. The name of the alleged transaction on my report is listed as a collection named " XXXX XXXX XXXX ''. I requested that this item be disputed due to the federal law stating that any and all alleged transactions should not be on a consumers report, pursuant to ( 15 USC 1681 ( a ) ( 2 ) ( i ) ( d ) ( 2 ) ). Transunion was never apart of this private alleged transaction, or any of the alleged transactions that are reporting on my report. In XXXX of the conversation with XXXX, he stated that they will mark it as being disputed by customer. I polietly stated that I am requesting it to be removed, he responded back and said ok, it has been disputed and we will be contacting the furnisher to ask if the account is mines. At this time, I know the dispute process when dealing with my credit report and the fact that they are asking the alleged creditor if this account is mine is a red flag. At this point I asked to speak to a supervisor, upon transferring me, I spoke to XXXX XXXX, who said he was a supervisor, and also declined to give me an employee ID #. During the call with XXXX, he asked for my name, email, and address. Then proceeded to ask for my social, in which I gave him the last 4 of. He then asked me for the reason of my call, and I stated to remove an alleged collection from my report. He stated that it was a dispute in process already on the alleged account that I wanted to dispute. I asked him what is the dispute process? He said they will contact the alleged creditor and they will have 30 days to respond to my dispute based on my reasoning mentioned to dispute the alleged account. He then stated during the 30days investigation process, they should receive a final response from the alleged creditor that will determine their reasoning for the dispute. I asked XXXX, what is the investigation process with your company directly, and he said repeatedly, they contact the creditor to verify my information and come back with a decision. 

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681a ( e ), it states that the term " investigative consumer report '' means a consumer report or PORTION of the report has information based on the consumers character, general reputation, personal characteristics, or mode of living. This is obtained by interviewing neighbors, friends, or associates of the consumer, which in this case would be myself. It also states that the information on my report can not be obtained from a CREDITOR. 

It has been now brought to my attention that Transunion has been operating inaccurate, illegal, and impartial investigations to multiple disputes that I have made in the past.
Product: Mortgage

After I applied for assistance from XXXX XXXX XXXX because of the XXXX pandemic, XXXX placed the loan into foreclosure. The mortgage loan originated from XXXX XXXX XXXX. This loan was subsequently sold to XXXX XXXX XXXX, which reduced the principal by approximately 50 %. However, XXXX stated the loan at the original amount. We requested a full loan repayment history from XXXX, which was never provided. 

The home was recently sold and the loan amount was paid in full. However, XXXX falsely reported to all the credit bureaus that the house was foreclosed and they stated that we surrendered the deed in lieu of mortgage. This reporting has a major impact on our credit, reducing our credit score by more than XXXX points. We would request an investigation into this situation since we believe we were overcharged by hundreds of thousands in interest and other hidden costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have got to the fact that I dont assume too much from you now because you sustained to report this fraudulent information in my file although I have shown over the documents required to defend my distress about being an identity theft victim. I dont have faith in you there at Equifax have no time to wrestle or analyze my complaints and Im sure you have gotten the FTC Ive sent. Im again attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have contacted NetSpend concerning the following transactions that I did not make. It is clear that the transactions were duplicated and Netspend declined my dispute. Either my card had been cloned or someone has tampered with my statements to move the money into there account. 
XXXX ATM XXXX XXXX XXXX XXXX {$60.00} XXXX AtM XXXX XXXX XXXX XXXX {$60.00} XXXX AtM XXXX XXXX XXXX {$60.00} XXXX AtM XXXX XXXX XXXX {$60.00} XXXX ATM XXXX XXXX XXXX {$60.00} XXXX ATM XXXX XXXX XXXX {$60.00}
Product: Debt collection

XXXX/Bank of America XXXX XXXX XXXX XXXX, NY XXXX XXXX This creditor is no longer in service and unable to be reached. The number is out of service, the address belongs to an abandoned building. 

High Balance of {$9500.00} as of XX/XX/XXXX High Balance of {$2800.00} as of XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely omitted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am contacting you to inform you that I am a victim of multiple data breaches from XXXX, A Hospital, the dark web, etc therefore, I would need all of the accounts on my credit report that have been exposed, compromised, and/ or illegally opened to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days
Product: Money transfer, virtual currency, or money service

PayPal has been negligent in investigating the following case : Case ID : XXXX Disputed amount : {$52.00} USD Seller info : XXXX XXXX Date reported : XX/XX/2023 Invoice ID : XXXX These were the problems with my XXXX order, which I have communicated to PayPal : The rattan volatile sticks lacked aroma ( false advertising and defective ). The door draft stopper was defective and unable to seal the bottom of the door, even though they were effectively advertised to be able to seal the bottom of the door. The two canvases were sold in deteriorated condition and falsely advertised as being in a frame. 

PayPal has not responded to my recent call or chat messages and has not provided me with seller 's evidence, which I have been trying to and have requested. PayPal is asking for proof of return, when I already provided a screenshot of the XXXX online portal showing the merchant 's refusal to generate a return label ( order ID, etc. included ) both in the original dispute and in my recent reply to them.
Product: Checking or savings account

I use chime online mobile banking. I received a check from my XXXX which was a loan and the check was drawn from XXXX XXXX XXXX. I deposited the check and they only released {$200.00} of the {$950.00}. They told me I had to wait until XX/XX/XXXX to get the remainder of {$750.00}. They refused to release this money and continue withhold my money. This occurred on Friday XX/XX/year>. I attempted to speak with them regarding this several times and requesting a release the funds because it was drawn from a reputable Bank, XXXX XXXX. They told me I had to wait a week and I needed this money for a specific reason and they refused to budge. Hey just ignored my request and plea for my money to be released. It should not take over a week for a check to clear that was drawn from XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the removal of any incorrect accounts from my credit report. Can you verify the documents? Some of the accounts listed present inaccuracies regarding reporting, amounts, and dates.
Product: Debt collection

Hello Have been trying to get a signed copy of the Debt that is owed to Midland Funding, As they are the Collection agency listed on my Credit reports, to Date, i have received no Validation of the Debt owed, I've asked for Validation of this debt within 30 days or this matter will be elevated to the appropriate Agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid of a car with XXXX XXXX  in 2019 with a loan from XXXX XXXX. XXXX XXXX  is reporting the payment late. Which is inaccurate. I have reached out to XXXX XXXX  on numerous occasions to get a copy of their records. They told me they have no records of me. So how are you reporting information if you have no records for me. I need help and would like to file a dispute.
Product: Checking or savings account

I signed for a checking account with M & T bank. I signed up in person with a paper coupon that was emailed to me. The coupon ( XXXX ) stated that if I open the account and have direct deposits of {$100.00} or more I will receive a bonus of {$200.00}. I had confirmed with the bank that i had met all the requirements. Then when I asked when the bonus will be posted the reply was to wait 45 days. After 45 days i asked again. The bank informed me that I did not qualified. Even though I have coupon and was already told that I have met all the requirements I still have not received the sign up bonus.
Product: Checking or savings account

My previous bank Simple Bank has apparently " transitioned '' to BBVA - Process to set up new online access does not work, I can not access my account via automated phone system, no branches near my home, and they " transitioned '' on a day that no phone service is available. Now I am locked out of my account and cant access my funds, nor can I access a person at the bank to help me.
Product: Student loan

I co-signed for a loan taken out by my Daughter who suffers from   XXXX   XXXX  . At a certain point she could no longer work or pay the loan. I am also  XXXX  and suffer from  XXXX . We both recieve our sole income form Social Security. We applied and subesuently recieved releif under hardship but the lender continues to report " missed payments '' on both of our credit reports with all three credit reporting agencies. The lender ( formerly  XXXX   XXXX   )   Navient, had been informed of our desire to seek relief under hardship. We deny the late payments. I am also siting this corporation of re- aging the loans to keep reporting the late payments and continue multipl e reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Experian have damaged me. 

The stupid methodologies used are outdated irrelevant and make no sense. 

I have worked very hard to make my credit report be as perfect as an imperfect person can. 

1. I understand what the credit report is supposed to do 2. I am competent in understand what is being relayed to me in my report 3. I understand that the three bureaus have Garbage Systems that do not accurately relay timely information to the clients they get compensated from. 

With the being said I XXXX XXXX am telling the 3 Bureaus that the way they use the information and their formulas have unduly caused damage to me in my pursuit of obtaining my financial goals. 

I am a XXXX XXXX XXXX and have been actively engaged and participating since the age of XXXX. I am now XXXX  years of age. I have experienced my share of financial ups and downs. Not having anyone to loan me a {>= $1,000,000} to get me started I traveled on my journey as best I could. I must say I consider myself a SUCCESS STORY! 

In reviewing the XXXX  INFORMATION the 3 Bureaus portray in my record I do not believe it accurately portrays my lifes financial story ACCURATELY! 

I do not want a canned response to my complaint. I want the Bureaus to explain line by line how each item is weighted. 

XXXX XXXX XXXX XXXX that are paid in full have more than just payment history to consider. Did they sell it outright or is it an asset they own outright now? Shouldn't that compute into credit worthiness? Just to say it was paid in full doesn't do much for making that determination. XXXX. Closed accounts dont count in Aged Accounts Computation nor do Paid in full for Length of time of accounts XXXX. Why a debt that is 7 years old is allowed to reappear XXXX  Weight established for debt and amounts etc Overall I can use my specific case to designate each issue I have with the way and methodology used to establish a score. 

It's too much to try to get my issues resolved with canned responses.
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. 

Account Name XXXX XXXX XXXX XXXX  Account Number # XXXX, Account Name XXXX XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX Account Number # XXXX, Account Name : XXXXXXXX XXXX Account Number # XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number # XXXX Account Name : XXXX XXXX XXXX XXXX Account Number # XXXX and Account Name : XXXX  and Account Number # 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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate.

Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not conduct a thorough investigation of the account XXXX XXXX that is listed on my credit report. I have requested several times for Equifax to provide the evidence including documentation and who they spoke to about this account to determine that it is valid and reporting correctly, but they failed to respond. I have also sent 2 letters requesting validation of debt to XXXX XXXX since XX/XX/2021 and they failed to respond. This is a violation of my rights. Please see attached for the 2 letters sent to XXXX XXXX.
Product: Mortgage

Escrows are inflated due to erroneous calculation of property taxes. Tax rate on XXXX XXXX XXXX XXXX MA XXXX is valued at {$190000.00} with an effective tax rate of {$17.00} per thousand with an additional {$50.00} for a preservation fee which equates to about {$3400.00} for the XXXX to XXXX tax year. In the recent past consumer has made attempts to have XXXX XXXX XXXX XXXX XXXX # XXXX fix the problem but instead of resolving matter XXXX did transfer mortgage immeddiately to Select Portfolio Servicing LLC Account # XXXX with the over-inflated escrows and the matter remains unresolved. Presently escrows are being calculated close to {$4700.00}. To resolve the matter consumer did pay water bill which had been previously liened on the taxes creating the problem. This information has been consistently communicated to both mortgage service, XXXX XXXX XXXX XXXX and now to SPS servicing with no resolution efforts. I prior statements made to CFPB SPS claims they have not been able to contact the tax authority ( town of XXXX ) and stated " Based on the information available, the third and fourth quarters of XXXX were not yet calculated, and can not be provided at this time. However, the taxes were all paid current as of the date of this letter, and there was no risk of a tax sale. The escrow amounts were established by your prior servicer with an effective date of XX/XX/XXXX. " ... Attached please find the property card that contains all the information needed for the tax rate and valuation yielding a XXXX to XXXX tax bill of {$3400.00} and also attached please find a printout demonstrating a payment of {$1500.00} ( representing water bill which was liened on taxes ). Had water not been liened on taxes XXXX XXXX to XXXX the tax escrows would be {$3200.00} based on the that calendar year.