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

I have sent out several complaints about XXXX XXXX XXXX who are engaged in unfair, deceptive or abusive acts or practices ( UDAAP ) in violation of the Consumer Financial Protection Act ( CFPA ). They have repeatedly destroyed my credit score by falsely reporting me late just to turn around and make corrections to their fraudulent billing. My credit score has taken a big hit because of this which means I can not get approved for anything based on my score and there needs to be a stop to this. XXXX, Equifax and XXXX should not allow this company to keep making these recurring violations. I received a notification XX/XX/year> from XXXX that my Equifax lost an additional XXXX points because XXXX XXXX XXXX  has reported me 60 days late in the amount of {$1000.00} which is inaccurate, when they STOLE my car because it was not in repossession status. I haven't had the car, and they are still reporting me late on my credit report and have removed my account from the customer 's portal to even make any future payments. They're in complete violation of the FCRA by reporting inaccurate information on my report. My credit score is truly damaged because of them and after they made their corrections in the past, I still have not received the points that I lost due to their unfair deceptive and abusive acts and practices. This company would take your car note payment and apply part of it to the XXXX and then report you late for the entire car note plus late fees which they in fact owe me. XXXX XXXX XXXX continues to report inaccurate information with knowledge of errors. They reported me 30 days late XX/XX/year>, made corrections XX/XX/year>, then I noticed they removed my account from the online portal XX/XX/year> and " repossessed '' my car between XXXX XXXX. My car is not in repossession status. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

15 U.S.C. 1681s-2 ( a ) ( 2 ).
Product: Payday loan, title loan, or personal loan

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


1. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX  XXXX XXXX Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 


PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX XXXX XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Debt collection

Hello, Upon review of my credit file with XXXX and XXXX I noticed XXXX collection accounts from N.A.R. ( North American Recovery ). I had no idea who this company was or the money stated I owe. I filed A dispute with XXXX and XXXX for validation. I also sent A Certified letter directly to N.A.R. requesting validation/verification of debt. In return N.A.R. sent me a statement from their own company not from the original creditor. I have no knowledge of any account with XXXX XXXX XXXX ( original creditor ). XXXX and XXXX returned with their investigation stating these account have been validated and the accounts belong to me? Again I sent another Certified letter with my full communication of this matter requesting proof of this account from the original creditor and/or where this account supposedly came from, It was returned to me unopened stating " return to sender '', " unable to forward ''. I verified the address on the envelope with N.A.R. 's listed address and it is correct. I am unable to proceed with this investigation and XXXX and XXXX are refusing A re investigation stating account has been previously investigated and verified.
Product: Checking or savings account

I wrote out a check to my mother, XXXX XXXX for {$2500.00}. She then attempted to cash in the check using the Bank of America mobile app, and I saw that the money had left my checking account. However, she never received the money in her account even months after attempting to cash the check. Both of us have repeatedly called Bank of America, who acknowledged that my money was missing from both of our accounts and opened a missing deposit investigation. However a week after that, I received a mail letter saying that after the investigation, no adjustments will be made on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get my credit report fix for the 3 credit bureaus and all they seem to care is make me believe that they fix the problem at some point my accounts were gone, and everything was good till i cancel memberships ALL THEY CARE IS ABOUT MONEY, when im already dealing with identity theft from the XXXX  breach
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number has been stolen. This person that stole it lives in Texas, and I live in Illinois. I have their name and address. They have open 1 credit card in my name ( Opened XX/XX/XXXX ) and tried to open several others ( XX/XX/XXXX ) but were unsuccessful. The credit card they opened in my name is with XXXX XXXX, I have called them explained my situation and they thought I was the fraudulent person because the address didn't match! Then on my Equifax they changed my address to theirs in XX/XX/XXXX! I am extremely worried about my information and my credit being affected by all this, and I seem to be getting no help from the companies involved. Please help me. Thank you
Product: Credit reporting or other personal consumer reports

Due to XXXX XXXX XXXX XXXX XXXX 's ongoing felony fraud and felony hate crimes with respect to my accounts, specifically and particularly, my checking account... I have a late with Experian. The XXXX XXXX XXXXXXXX bank issued credit destroyed my credit by a 30 day late payment of XXXX dollars. Experian is notorious for disregarding Fair Credit Reporting Act with regards to my welfare. Consumer Financial Protection Bureau has previously intervened on my behalf against Experian directly on the phone with me. I need Consumer Financial Protection Bureau to order and command Experian to remove this illegal reporting of a late on my credit report.
Product: Credit reporting or other personal consumer reports

I saw a new student loan on my XXXX XXXX account which was new and very large ( {$40000.00} ) that apparently Trans Union was claiming was showing on a government agencies account ( XXXX ). Being that I had not been to school in over 10 years I was confused as to how this was added to my account. I immediately went to the government student loan account to confirm that this information was false. There was no evidence of a new loan under my name or in my account information which was verified not only with their over the phone loan balance information, but also through logging in. I assumed that this dispute would be quickly handled. 
I filed a dispute through XXXX XXXX, which went straight to TransUnion. After 30 days and never being contacted by TransUnion I called to check the status of my dispute as I still saw the loan showing on my XXXX XXXX account. Trans Union claimed that they confirmed that the information was true. This was contrary to the real time information I was able to pull up on the loan distributors website showing that I did not have this loan on my account or under my name. I expressed this to the woman on the phone who I spoke with. She asked me if I submitted any documentation towards this. I told her no as there was nothing to submit being that I could see the information in real time on a government website. 
At this point, I asked her to elevate the conversation at which point she hung up on me. I proceeded to contact a person via messaging so that I would have things in writing and being that I had already waited for a callback which took longer than XXXX minutes. 
When someone finally responded on the live chat, they told me that I had to create a login on their website in order to proceed. 
In doing so it shut the live chat thus having to wait again to talk to a live agent once I had created an account. This seems counterintuitive to helping a client when they are in need having already spent over an hour with this issue. 
I proceeded to speak to the third person who proceeded to make me fill out a form with all of my personal information- why would they make me do this again when I had already logged into the site? She proceeded to tell me that I would need to file another dispute. I did not feel that I could trust them in handling this dispute being that I could see in real time that the information that they received was false. Yet I still proceeded to attempt to file another dispute through the TransUnion website so that I could upload the screenshot of the website showing that this loan information was not reflecting on the official government website for XXXX. When I went on to file the dispute, it showed that the option was not available at this time. 
I proceeded to ask for management information at which point they directed me to this website instead. This is a very timely issue as I am getting married in XXXX and Im being directly impacted by this extremely large loan, which is not mine reflecting on my credit report. My rates are extremely high because of this over {$40000.00} of debt which I do not owe which Trans Union will not rectify.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX  and consumer reporting agencies, I hope this message finds you well. 

I recently discovered an error in my recent dispute filings regarding inquiries from XXXX XXXX Bank. While I'm actively addressing fraudulent inquiries on my report, I want to clarify that my XXXX XXXX inquiries are accurate and valid. XXXX  XXXX Account # XXXX Upon reviewing the copies of my submissions, I realize this was an unintended mistake on my part. I do not want to close my credit card and want to continue making on time payments. If you have any questions please call me at XXXX. I attached a copy of a utility bill and bank statement as proof of address. I have been doing great business with XXXX XXXX and would like to continue to do so. 

Thank you for your attention to this matter. 

Warm regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

The following inquiry was not authorized and should not be reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. I have sent numerous prior requests to your organization asking you to check into the validity of inquiries that I believe are incorrectly reporting with you and asked that you remove them from my credit report. Enclosed is a copy of my Identity Theft Report supporting my position. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Your cooperation and prompt attention are greatly appreciated.
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of 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

I sent a Consumer Notice of Fact to XXXX in regards to a collection account showing on my credit report. I have tried disputing this with them to get it removed pursuant 15 USC 1681b ( a ) ( 2 ) but they have blatantly disregarded my concern stating they can not remove it per their company policy but also claim to be in compliance with the FCRA. There is no law that states XXXX is able to or required to furnish a consumer report in my name without my permission. It is a violation of my federally protected consumer rights. Pursuant 15 USC 1681b ( a ) ( 2 ) of the FCRA states, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give XXXX or its affiliates written permission to furnish a consumer report. The debt collector, XXXX also sold my information to a third party and shared my information without my consent. This is a violation of 15 USC 1692c ( 3 ). It states, Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. Pursuant 15 USC 1692a ( 2 ), The term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium.
Product: Mortgage

In relation to a XXXX divorce my ex-wife Quit her claim on the deed at the subject property. I have been attempting to assume the entire loan since them under an Assumption. 

The initial request required, per XXXX XXXX, the Lender, a social security card which could not be located at the time and has since been located. 

When following up with the Assumption three years later after rates had doubled, now the Lender ( Roundpoint Mortgage who bought the loan with XXXX XXXX ) wants to force a refinance on me in order to double their rate. My ex-wife 's income is minimal and has contributed minimally to the credit profile of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account NAVIENT which has been deleted by XXXX and XXXX. XXXX   and XXXX  have both completed their research and determined that NAVIENT was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian and XXXX via certified mail twice requesting for verification of accounts listed on my credit report within a 30 day time frame and both have failed to provide verification nor have investigated this matter to their fullest extent. 

I have enclosed a copy of my XXXX credit report and the most recent credit report from XXXX XXXX showing XXXX did their due diligence in requesting actual verification from these creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, HSBC Bank Account # : 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX has a collection for {$420.00}. I canceled them because they were too high and I got XXXX, I have contacted both but its still on my credit report. I disputed and they dont investigate. They always believe the perpetrators.
Product: Bank account or service

I initiated a credit chargeback with PayPal for services unrendered on or about XXXX XXXX, 2017. XXXX XXXX promptly refunded my money, but earlier this week PayPal incorrectly recharged my card. That money should be refunded immediately. Case ID : XXXX
Product: Credit reporting or other personal consumer reports

I sent in a letter around beginning of XXXX stating all XXXX credit agencies have to remove my Bankruptcy XXXX  XXXX from my consumer report because the United States Bankruptcy XXXX stated they do not associate or verify information with the credit bureau so how can this Account/Information be accurate & why is it even reported on my consumer report. This is going against my rights as a Consumer. 

I have attached the letter with the United States Bankruptcy XXXX Stated they dont associate or verify for proof. 

Please see attached documents for support 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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.

According to : 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 card

Hello, This complaint is with Target Card Services [ Red Card Credit Card ]. I have contacted Target Card Services over the course of [ 5 ] consecutive years for the purpose of requesting a lower Apr, which at present still remains 17.6 %. Each year the response has been 'NO, we do not lower our rate for any person or reason '. When I explained to the Credit Service agent that I had contacted a Credit Management company in early 2015 about such possible service I was informed that an Apr of 7 % would be set for my Target Credit Card, the agent responded with 'then I would suggest that you use that company '. A Credit Management company can get 7 % but I, having a very good payment history and always paying much more than minimum amounts, can not ... I do not understand the indifference and total lack of cooperation. With a Apr of 7 %, as an example, I would be able to the current balance of {$3500.00} paid off within approximately 2 years. 
Any assistance would be greatly appreciated.
Product: Credit card

XX/XX/XXXX, I notice a new line of credit associated with JP Morgan Chase XXXX Chase Sapphire account ) that I did not open. The account appears to have been opened XX/XX/XXXXXXXX XXXX The account billing is to a city I have not lived in since XXXX. Since discovering this account, I have submitted a fraud complaint to JP Morgan Chase regarding this account. They have started their own fraud investigation, and have told me they were submitting to me a fraud letter that should arrive within about a week. I have also submitted a Fraud Alert through XXXX XX/XX/XXXXXXXX
Product: Mortgage

Community loan services LLC. 
I send XXXX XX/XX/XXXX, {$2000.00}, to my mortgage principal, and they talk me they destroyed my check whit out tell me, they said is not supposed to be made on two checks, I did the extra payment OF {$2000.00} by the phone XXXX XX/XX/XXXX {$2000.00}, I send the extra payment on check, XXXX XX/XX/XXXX {$2000.00} to my principal, every month I must to call them, and ask to applied thru my principal, this bank do not want to applied as is on my mortgage documents, they put it on unapplied funds.
Product: Bank account or service

First, the only complaint I have about my bank, Wells Fargo, is that they will not pursue these criminals legally. Otherwise Wells is very good about returning the funds. 

I received a {$180.00} fraudulent charge that shows on my statement as " PURCHASE XXXX XXXX XXXX XXXX CA XXXX ''. I called the number and it is a message representing that one has reached XXXX, but it is not XXXX! I XXXX it and they have been fraudulently charging a lot of people. Fraud of this size warrants investigation. How hard is it to find an address on these people through a phone company? Show up on their doorstep, arrest them and stop this fraud. 

Please put a stop to this.