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

I contacted XXXX, XXXX and transunion about the error on my account multiple times, last time being a letter sent in XX/XX/XXXX and just recently in XX/XX/XXXX. An apartment complex ( XXXX XXXX XXXX XXXX XXXX ) exposed me to toxic mold and agreed to not charge me for leaving early if I didn't sue them for the XXXX XXXX XXXX I was experiencing. They still sent a charge of about {$2400.00} to collections. They refuse to show me documentation explaining why these charges are legitimate. It has impacted my credit score since XXXX and has damaged my financial future since as it is the only mark on my credit score and it was my first apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have another complaint with this company already. However today they told me I needed to make a payment on an account that isnt mine in order to keep it from negatively hitting my report though this isnt my account and I am currently disputing that fraud. It hit my credit report anyway and now is effecting my home loan process.

They are awful. The customer service rep knew nothing about my 9 attempts to dispute this and couldnt help me otherwise. She couldnt verify what was being worked on and when I asked if I needed to send the FTC identity theft report again she said she did not know.
Product: Credit reporting or other personal consumer reports

This address does not belong to me I have requested that It be removed from my report.
Product: Debt collection

Every time I cancel my " membership '' with Experian, they come up with false reports and claims. This time I canceled my membership on XXXX Within 3 days they " claim '' I have a debt to a company called " XXXX/XXXX '' that says the debt is from XX/XX/XXXX. I live out in the middle of nowhere and have NEVER had this cable company ( which is what it believe it is ) My only options out here are XXXX or XXXX. I have XXXX & have had them since XX/XX/XXXX when I moved here. PRIOR to that I had XXXX XXXX XXXX, BEFORE they merged with XXXX. My last monthly bill with them was paid XX/XX/XXXX for {$130.00}. When I try to " dispute it '' of course Experian comes up and says that option is not available to me. WHY? Because I refuse to pay for their crooked false reporting? 

This is the 2nd time I have canceled where Experian plays games with my credit report. The last time they dropped my score 50+ points when I paid off my mortgage in XXXX. They are the ONLY ones who play games with my credit score. NONE of the other agencies are reporting this " FAKE '' collections debt! 

I have worked very hard to keep my score up around the XXXX area  and just because I pointed out NOBODY uses Experian so why should I continue to pay them does NOT give them the right to post FAKE COLLECTIONS or DEBT to my account!
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX, AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ON ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX -- -> : {$12000.00} XXXXXXXX XXXX XXXX XXXX -- -> : {$15000.00} XXXX XXXX XXXX XXXX -- XXXX : {$0.00}
Product: Checking or savings account

I was overcharged by late fees. Numerous times.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts on my Experian reports have factual information that conflicts with XXXX and XXXX reports : XXXX XXXX XXXX Account XXXX XXXX : a ) Experian lists the account as 30 & 60 days late in XX/XX/XXXX & XX/XX/XXXX ; XXXX and XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; b ) Account last updated shows XX/XX/XXXX, XXXX and XXXX XXXX XX/XX/XXXX XXXX c ) Account closed lists account not closed, XXXX and XXXX say close date is XX/XX/XXXX. d ) Account type, Experian says line of credit ; XXXX and XXXX show credit card. 

XXXX XXXX XXXX Account XXXX XXXX : a ) Experian lists the account as 30 days late in XX/XX/XXXX ; XXXX and XXXX indicate 30 days late in XX/XX/XXXX. b ) Account last updated shows XX/XX/XXXX, XXXX says XX/XX/XXXX, XXXX says XX/XX/XXXX. c ) Account closed date lists account not closed, XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. d ) Date of last activity says no date of last activity, XXXX shows XX/XX/XXXX, XXXX shows XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 we were notified ( see attached ) that our mortgage servicing was transferred from from XXXX XXXX XXXX to XXXX XXXX XXXX with an effective date of transfer that was on XX/XX/2021 The transfer has since been completed, but XXXX is still reporting to the credit bureaus the a loan balance of {$190000.00} that was also transferred to XXXX XXXX XXXX. They are also still showing the loan as being OPEN to the credit bureaus, when it should be Closed. We have so far completed two payments to the new mortgage servicer and looking to the third, yet the credit bureaus are still reporting the transferred balance and an account that should have been CLOSED
Product: Credit card or prepaid card

Kabbage sent me a debit card I did not apply for. They demand information and a police report before they will do anything, which is super excessive over just receiving a card in the mail. 

I received the card on XX/XX/2021. I called them, and they were not at all helpful. I just want the account closed and I can't do it. This is fraud and abuse.
Product: Mortgage

I am being told that I need to pay for another XXXX, but I do not feel as if that is acceptable. Here is the timeline of events and why I believe I should not have to pay for another XXXX : XX/XX/XXXX - I paid for a XXXX  that was completed on this date. 
XX/XX/XXXX - I received a letter stating the value of the property was {$120000.00} and the value needed to be paid down {$8400.00} for the PMI to be removed. 
XX/XX/XXXX, XXXX I received a letter from NewRez stating I will need to submit a written request to have the PMI removed once I paid the value down to below 70 % and that the XXXX was good for 120 days from the completion of the valuation. Since the valuation was completed on XX/XX/XXXX, the valuation would be good until XX/XX/XXXX. 
XX/XX/XXXX - I submitted a check to be applied to PRINCIPAL BALANCE ONLY as noted in the memo line, and in the letter sent with the check. That balance was NOT applied to principal only and I had to call twice to have the corrected. 
XX/XX/XXXX - The principal only payment was corrected and the loan was paid to below {$84000.00}. 
XX/XX/XXXX - I submitted a request in writing to have the PMI removed, AS WELL AS a request to have the escrow removed. I have included the email below that I sent on XX/XX/XXXX. 
XX/XX/XXXX - I called your customer service line and spoke with XXXX who transferred me to the supervisor XXXX. I was told me request for PMI removal would be escalated. 

Since then I have called seven more times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX again and XX/XX/XXXX ). I have spoken with 11 different people ( XXXX XXXX, XXXX XXXX- supervisor, XXXX , XXXX- Supervisor, XXXX XXXX , XXXX XXXX , XXXX, XXXX- supervisor , XXXX XXXX, XXXX XXXX and XXXX XXXX ) to find out why my PMI request on XX/XX/XXXX had not been addressed. All 11 of those people stated they would either call me or email me back, and the only one that did is XXXX XXXX who called me back once to tell me she did not have an update for me. 

I paid my loan down to the amount you requested, well within the time frame you asked me to pay it down within, and I submitted a request in writing ( as shown below ) also well within that requested timeframe. Please tell me why I need to pay for another vacation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and am not aware of this activity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXX Account Number : XXXX Please remove it to my credit report. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been an ongoing issue with ARs for several years the last several months I have reported this company for incorrectly reporting to my credit report that this debt is outstanding and still owed ARS stated that they would look into it and determine my coverage of XXXX at the time if they received my XXXX number they received my XXXX number for nearly 3 months now and have still made no action I have followed every step and request that they have provided in their response to my previous complaints ARS will not respond to my emails they will not respond to my calls with regarding to taking care of this inaccuracy on my credit report ARS will not take action they have every information that they need from me however will not follow up will not take any action on this issue
Product: Credit card or prepaid card

On Tuesday, XX/XX/XXXX, I purchased and loaded with cash {$450.00} on an American Express Reloadable Prepaid card form XXXX store in XXXX Florida. Two hours after I checked the balance on the card it had a {$0.00} balance. I listed to the transactions that were posted to the account. To my surprize, there were 3 different purchases 2 from XXXX and anotherone from XXXX. I immediatly called the card service to see if they could stop payment. The card representative said the transactions were still pending and advised me to go on line and file a fraud complaint.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered multiple hard inquiries that I did not authorize. These inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX were made without my consent, which is a violation of my rights under the FCRA, FACTA, and FDCPA.

Enclosed with this letter are copies of my credit report highlighting the unauthorized hard inquiries for your reference. I request that you conduct a thorough investigation into these unauthorized inquiries and remove them from my credit report immediately. 

The FCRA requires that credit bureaus investigate disputes regarding inaccurate or unauthorized information in a timely manner. Therefore, I request that you investigate these unauthorized hard inquiries and remove them from my credit report as soon as possible. 

Failure to comply with the FCRA, FACTA, and FDCPA may result in legal action. I trust that you will handle this matter with the urgency and seriousness it deserves. 

Please inform me of the results of your investigation and any actions taken.
Product: Money transfer, virtual currency, or money service

We bought a house in XXXX. We sold our old house in XXXX. In XX/XX/2021 we started to pay off our new mortgage in the money from the sale. Capital One would not allow an electronic money transfer so we had them write a cashier 's check for {$250000.00}. This was sent out on XX/XX/XXXX to XXXX XXXX ( who holds our mortgage ). XXXX XXXX signed for the check on XX/XX/XXXX, but then lost the check (! ). Capital One said they could not put a stop on the check until 90 days after. On XX/XX/XXXX, XXXX XXXX found the check and tried to deposit it into our mortgage account. In the meantime Capital One put a stop on the check without telling us and before the 90 day deadline they told us about. 

Now Capital One will not give us our money back. They have been holding our {$250000.00} since XX/XX/XXXX, even though they put a stop on the check. They cancelled our cashier 's check and have kept the money somewhere and have not given it back to us. Help!
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the information below in my credit pro-file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible ac-curacy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( l ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit re-port.

Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable ac- counts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX
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. 

Account name : # XXXX, XXXX XXXX, # XXXX, XXXX XXXXXXXX, # 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. 

These are stopping me from getting a house for my family
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I recently reviewed my credit report to find request for my credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Checking or savings account

I was charged an overdraft fee for check # XXXX even though the funds were there and I have XXXX snapshots of account showing as such.when I supplied the bank with both snapshots I was told by there customer service that they were not going to do anything about it.i should've never been charged the overdraft charge especially since I showed them the proof.i want this fee reversed.they also keep telling to go to my branch when in fact they are the almighty XXXX and should be handling this.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX an account was open in my name under a creditor by the name of XXXXXXXX XXXX XXXX by the amount of {$350.00} and this account has been placed in collection under my name ..under fair credit reporting act 15 u.s code s 1692g- validation of debtsa ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.i wrote the 3 major reporting bureas to validate this collection and i have not receive no respose yet, i also disputed these account with the collection agecny and also they violated the law under the fair credit collection act this agency have not validated this false debt and have not responded to my debt validation letter..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX PLEAE DO NOT ALLOW XXXX XXXX TO CLOSE THIS AFTER 1 DAY FALSELY CLAIMING THIS AS A DUPLICATE COMPLAINT. THE DISPUTE IS VALID AND THEY ARE BREAKING THE LAW BY REFUSING TO INVESTIGATE AND REMOVE THIS FRUAD ACCOUNT. 


XXXX XXXX issued credit to third party for XXXX, unknown to me, without my knowledge or consent. I have lived and worked in XXXX since XXXX  and before that I was working and living in XXXX. This account appeared on my credit during a routine security clearance check in XXXX, of XXXX. I disputed this with XXXX XXXX  and provided proof that I am in XXXX now, since XXXX, and in XXXX before that. 

XXXX did not investigate at all. They again reposted this on my credit profile, knowing it is a fraud account again in XX/XX/XXXXXXXX 

This is, and never was my account. I can lose my security clearance and my job due to XXXX XXXX XXXX multiple error 's and continued false reporting of an account that I do not have with them.. 

I am again sending you my IDs showing where I am and have been since XXXX. 

Please santion XXXX XXXX for posting slanderous details about me, that are for an account that ism and never was my account. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX and again on XX/XX/2020 I received fraudulent dunning letters from Midland Credit Management ( MCM ) concerning a bill I supposedly owed to " Original Creditor " XXXX XXXX '' -address not shown, bill of {$700.00}. From : On their letter : On their Envelope : " Midland Credit Management No name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. XXXX XXXX, MN XXXX XXXX fraudulent address of MCM is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX/ My letter sent to that address was returned, " Not deliverable as addressed, unable to forward ''. Those letters are signed " XXXX XXXX, Consumer Support Services ''. Probably a non existent person. 

Checking this firm on the web shows another complaint about their fraudulent practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report in violation of Federal Law. Equifax failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX XXXX, XXXX CARD XXXX, XXXX XXXX XXXX