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

XXXX says I owe an alleged debt of {$110.00}. 

XXXX will not accept payment from me directly. They refer me to true accord, their debt collector. 

True accord will also not accept payment from me. 

This leaves me with no option to settle the alleged debt.
Product: Mortgage

On XX/XX/XXXX, I contacted the Mortgage Firm who then purchased our loan within 10 days of closing from another branch of The Mortgage Firm in XXXX, Fl. We closed on XX/XX/XXXX, with escrow being collected for both taxes and insurance. On XX/XX/XXXX, while in my online mortgage account I noticed that my mortgage had dropped down in the monthly billed amount of {$950.00} to {$850.00} with no explanation or documentation. Therefore, my escrow account is short with no explanation as to why after we have spent hours asking the mortgage firm questions. I called because in XXXX of XXXX my wife was notified that us nor is it listed in our loan portal. Now our mortgage payment just went back up again with no explanation as to why. We have a log of all of the Mortagage Firm staff that we have spoken with including today 's with the exception she refused to give me her name at the XXXX XXXX Fl XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. 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. 

FOR EQUIFAX, 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 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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions Also hard inquires XXXX XXXX  XXXX Bank  Credit Cards XX/XX/XXXX XXXX XXXX XXXX  Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX  XXXX XXXX  Auto Dealers, Used XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  All Banks XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank  Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Bank  Credit Cards XX/XX/XXXX TransUnion XXXX XXXX Bank  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX Bank  Credit Cards XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX  XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX
Product: Mortgage

I contacted XXXX when I was unable to make payments in XXXX of XXXX due to XXXX job loss again during that time. I was sent several contacts, who kept changing, to fill out the loss mitigation paperwork, which I did and returned. Subsequently I was sent the paperwork again a few months later with NEW POC info and called, got information and had to do it AGAIN. I continued to call monthly throughout XXXX, and into XXXX, during this loss mitigation process and was told monthly that it was in underwriting and that they were either short-staffed and/or backed up. I FINALLY received partial claim papers in XXXX and signed and returned by the XX/XX/XXXX date requested. It is now XX/XX/XXXX and I have been calling every few weeks and keep getting told that they are waiting for the funds to be released. I called last week now that it has been a month and a half and nothing has been done, meanwhile I am holding my end of the bargain and making monthly payments for both XXXX and XXXX per the partial claim contract. The representative told me last week to keep making payment and EVENTUALLY the system will update. She then escalated to Loss Mitigation to find out what was happening. Today, XX/XX/XXXX I called again and spoke with " XXXX '' in the Loss Mitigation department to find out what was going on after yet another week. We are now approaching XXXX months since the Partial Claim was signed and returned and over a year for that the entire Loss Mitigation process has been taking place because it is reflecting a XXXX XXXX XXXX' on my credit report. She said she see 's where it was escalated and they are still awaiting an update but are backed up. When I told her that BSI was reporting months and months ( almost a year ) of late payments and it states XXXX XXXX XXXX being reported on my credit report even though I was in loss mitigation, then signed the Partial Claim agreement, and have been making payments per the agreement, she stated that she would put in for an update to my credit report because during the continuous loss mitigation process it should not have been reporting delinquent payments and to wait XXXX business days for the update to be reflected. If I don't see it, she stated to call back.
Product: Debt collection

I HAVE BEEN DISPUTING THIS DEBT FOR SEVERAL YEARS NOW, THIS COMPANY HAVE BASICALLY REFUSE TO VERIFY THIS DEBT AND KEEP REMOVING AND REINSERTING THIS DEBT ON MY CREDIT THEY HAVE YET TO SEND ME ANY PROOF THAT I SIGNED ANY DOCUMENT WITH THEM OR OWE THIS AMOUNT, MY LAST DISPUTE WAS SENT OUT LAST MONTH XX/XX/2020 AND ON XX/XX/2020 I CHECKED MY CREDIT REPORT AND THE REMARK WAS DELETED AND THE NEXT DAY I CHECKED AGAIN AND THE REMARK WAS BACK ON MY CREDIT. AND THE ONLY THING THS COMPANY IS SENDING ME IS A PACKAGE OF BILLS, NO CONTRACT OR ANY SIGNED DOCUMENTS, AND A LETTER SAYING THEY CAN NOT COLLECT ON THE DEBT.BUT THEN THEY KEEP REPORTING IT ON MY CREDIT. 
THIS IS HOW PORTFOLIO RECOVERY DO BUSINESS.THIS IS NOT ACCEPTABLE.
Product: Credit reporting or other personal consumer reports

I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report it should not be there. THAT IS A VIOLATION. I never gave written instruction to furnish any of the following account Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

I've sent out numerous letters requesting the accuracy of my Credit Report on severaL occassions and I did not get a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. I have the list of accounts thats inaccurate and its in clear violation of my privacy which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. I need financing for a car and this inaccurate report is hindering me As the consumer. 

The following acounts are : XXXX XXXX : Card Account ending XXXX. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Around XX/XX/XXXX I filed an identity theft complaint with all XXXX bereaus. I followed up with supporting documentation that including a police report,, FTC report, lease from XXXX - XXXX that validates my residence as out of the country during the time period that the identity theft occured and listed each account that was not mine that was on my reports. Furthermore I haven't had any inquiries of any kind in an effort to obtain credit however Transunion has multiple credit request inquiries on my report that have recently been posted to my file. I've contacted Transunion, XXXX and XXXX plus provided the above details through the mail and online when accessible. 
My complaint and my request is that Transunion fix the online dispute portal, I can't access the site through transunion.com or through a XXXX party report provider to initiate further corrections of to upload supporting documentation related to my identity case. 
The hard inquiries which are on my Transunion report and which I do not know the details because I can not access the report are not mine and I want them removed. 
Furthermore I need access to my report in a timely manner to remedy the damage that having my identity stolen requires to fix. 
Transunions chat feature as well as the customer service call in option do not provide any help and I've logged over XXXX hours trying to get these issues resolved. I've been hung up on, disconnected during live chats and in general can not get aby results from Transunions customer service options. 
When trying to get my report I get error messages despite erasing cookies and data from my phone and logging in through a different computer nothing works that provides me the tools that I need to fix my credit rating. 
XXXX and XXXX have been easy to manage through the portals they provide, a little difficult to get timely removal of the inaccurate data however simple in comparison to the outsourcing walls that Transunion has implemented. 
I want the hard inquiries and other incorrect acct data on my report through Transunion removed so I can begin to rebuild my credit profile. 
I don't know the details of the hard inquiries listed on my Transunion report I just know they have several and I did not initiate any applications to have any hard inquiries on my report. 

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

I am writing to dispute  XXXX   XXXX   XXXX  on credit report number  XXXX . The status listed on the account is current, yet you show this account as being Adverse. Please delete the account.
Product: Credit card

On XX/XX/2024, an application for credit was done over the phone, reference number : XXXX. 
I provided an application, turned it into a promissory note, something of value. AND RECIPIENT DID NOT PROVIDE ANYTHING OF VALUE BACK TO ME. 
I made two phone calls with discover credit account services. TOLD ME THE CREDIT FACTORS DETERMINED CREDIT LINE. HOWEVER COLLATERAL HAS BEEN PROVIDED, equity is had been provided which means the account shouldve been approved and remedy of this is necessary. Both of them told me there was nothing they could do for me, the supervisor of the department told me she understood the validity of the claim, the value in my application, and the credit line that shouldve been provided to me. Because I have given something of value, a security, and have not received anything in return. Which is bottom line securities fraud, for my open ended consumer account which should have been opened. I am an investor per their prospectus, I have provided a promissory note and that is a security which provides all collateral necessary for the opening of the open ended credit account.
Product: Credit reporting or other personal consumer reports

In accordanse with the Fair Credit Reporting Act. The list of the accounts below has violated 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 XXXXXX/XX/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 funish a account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) sections states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, others than records of convictions of crimes which antedates the report by more than seven years.

15 U.C.S 1681s-2 ( A ) ( 1 ) A person shall not funish 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 innacurate.
Product: Debt collection

I am filing a compiaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding
Product: Credit reporting, credit repair services, or other personal consumer reports

I went online to Transunion.com/XXXX and was not able to obtain my free credit report. I was referred to XXXX and was able to obtain a free credit report using the telephone options however was not able to obtain copy of my credit score for FREE. I have to pay@XXXX. The telephone number does not provide you with an option to speak to a live agent. 

on XXXX I was declined a credit card with XXXX XXXX ( application with XXXX XXXX XXXX ) because my FICO score is not available with Transunion. 
Why do I have to pay for my credit score? I cant even get it from my creditors that offer it for free XXXX and XXXX XXXX XXXX because they obtain it from Transunion and I do not have a FICO score available at Transunion let alone obtain credit without one. 
Are they not a credit agency? 
Shouldn't I have a FICO score available? 
Do they not screen the customers they service to ensure that they all have a FICO score, that is why we have credit correct? 
Why can not I not talk to a live person?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you about an error on my credit report and request that you provide me with verifiable proof or delete the record immediately. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the court sent to your credit reporting agency as evidence that the information is correct. Bankruptcy ( Discharged XXXX ) I found such inaccuracy in bankruptcy in credit report : Reference Number is incorrect ; No contact information If you are unable to verify the account. The information should be removed from my credit report. Thank you for your help.
Product: Credit reporting or other personal consumer reports

Inquiries I did not open or apply for. 
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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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$1000.00} ; XXXX XXXX XXXX XXXX XXXX  {$6500.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to report a late payment when they are in clear violation of FCRA section 623, 15 U.S.C. 1681s-2 ; 12 CFR part 1022, subpart E.

( II ) Covered period The term covered period means the period beginning on XX/XX/2020 and ending on the later of ( aa ) 120 days after XX/XX/2020 ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/2020 under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 
( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft XXXX hard inquirys on my credit reports that shouldnt be on there be companys names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .all these companys pulled my credit without my knowledge
Product: Credit reporting or other personal consumer reports

This morning, I was stunned to find inaccurate accounts on my credit report, and I cant figure out why. I check my credit report regularly, and this time there were issues that seemed to appear out of thin air. I even refreshed my browser, thinking it was some sort of glitch, but the incorrect accounts didnt disappear. This whole situation has me really worried, and Im asking for a detailed review of the documents Ive sent so I can finally stop stressing about this.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.
Product: Credit reporting

Late payments being reported by XXXX are not accurately reported. There are discrepancies varying from each of my credit reports to the next, they are not even reporting the same late months and years as the other. And there is no way that it 's possible to be late for a payment ( s ) on my account but not actually late that same month and year with the same account, as listed on alternating credit reports. The dates listed as late for 30, XXXX, or 120 days late are not correct. On XXXX credit report it 's only listed as XXXX times late while the other listed as XXXX times reported late etc.
Product: Credit reporting or other personal consumer reports

Equifaxs reporting on PAID and CLOSED XXXX XXXX account that is MORE than XXXX XXXX XXXX. This has been so frustrating. Im on the brink of HANGING myself if these credit bureaus continue to deliberately destroy my life. I really dont know what else to do at this point if even you as their authority are unable to put these reporting entities in check. 
WHY? WHY? WHY is Equifax still reporting and submitting negative information on XXXX XXXX??? WHY?
Product: Credit card or prepaid card

I have a Mastercard that I received when I went to XXXXXXXX XXXX XXXX and they offered a rewards program. I have been using my card and have had my payment automatically drafted from my account every month for 3 years - never a problem. I noticed during my online banking that my XX/XX/XXXX payment that was drafted was {$270.00} instead of the $ XXXX that I pay each month. I attempted to go online and figure out what was causing the problem, and after attempting to login several times without any luck, I tried calling the number on the back of my card. After entering my details, I received an autoreply that they could not speak with an authorized user. I am the account holder - not a user! As soon as the message was over the call was automatically disconnected. I started looking for other ways to contact Comenity ( they began processing payments several months ago and they've recently been taken over by Bread XXXX or possible changed their name to Bread XXXX ). I began doing some online research to see if there were other complaints from consumers, and there have been hundreds. This Comenity/Bread XXXX has been ruining consumers ' credit scores by reporting false information such as consumer hasn't made monthly payments, late payment fees being applied month after month when they're claiming consumers did not pay. It is IMPOSSIBLE to speak to a human about this critical problem and I'm terrified my credit score is going to be impacted this month. I assume the {$270.00} was possible late fees and not my automatic payment, but it's impossible to determine because Comenity 's online system is down and has been down for several weeks if not months, as reported by other consumers who have filed complaints against Comenity/Bread . I believe a class-action lawsuit has recently been filed against Bread XXXX and I am pursuing this course of action. I have done absolutely everything required by me to determine why my XXXX automatic payment was about {$200.00} less than my last monthly automatic drafts by going online to access my account to calling them directly to pay this credit card account, with absolutely ZERO success.