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

15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered
Product: Checking or savings account

I open an account with chase on XXXX XXXX my lawyer wrote me a settlement check and I open my account with the bank because my lawyer uses the bank and was told using bank to bank would be a better option and have my funds within XXXX hours my funds where available on XXXX XXXX XXXX and when I went to access my account it said it was restricted due to poetinal fraud and thats absurd I went to the branch and have all my documents and the check can from settlement proceeds and was from XXXX an XXXX XXXX account everything was cleared and now there racially profiling me because XXXX XXXX XXXX and the check was a large amount and there saying its fraud outta nowhere
Product: Mortgage

SELECT PORTAFOLIO SERVICING SPS 1- On XX/XX/XXXX, I requested SPS in writing to return the Escrow withheld for insurance and taxes, which I had already paid in advance and yet SPS continued to charge them monthly. 


2- On XX/XX/XXXX, they sent me a letter responding to mine on XX/XX/XXXX, 6 months later, where they told me that they accepted to make the return. 

3-In the statement for the month of XX/XX/XXXX, no money appears in the Past Payments Breakdown category. 

4- I made a call in XXXX and they informed me that they had sent a check for that value to XXXX XXXX when my address is here in XXXX Florida XXXX I told them that no check had arrived in XXXX and that in any case they could see in their bank statements if the check had been cashed, which has not happened. 

5- Since XXXX I have been calling to find out about my money and every 15 days he tells me by phone that the money is already going to be sent to my address in XXXX XXXX that in 15 days and so on and it has been another 6 months and every time I call They tell me the same thing, to wait 15 days, and a year has already passed since I made my request. 

I request an
Product: Credit card

I was told in XXXX I would receive a {$300.00} refund to my credit card by XXXX. After XXXX I was not refunded and called into Chase who said it would post by the end of my billing statement. That cycle has closed and I still have not been refunded and have now paid interest for 2 months on the refunded amount. 

I ca n't get my money back and now they are making money ( interest ) off of their mistake by not refunding me the money. Maybe that was their intention, to delay refunds to make interest off money that should n't have even been charged to the account!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed the FIRST Request letter to TRANSUNION, XXXX and XXXX to investigate/verify and delete incorrect accounts on my credit report. I have sent the letter with proof of my identity. 
On XX/XX/2022, I sent the SECOND Request letter requesting for TRANSUNION, XXXX and XXXX to remove all the incorrect information since I have not been notified or showed the results of their investigation within 30 days. Sent Certified mail. The credit reporting companies TRANSUNION, XXXX and XXXX are not complying with their own polices in a timely manner. 
On XX/XX/2022, I sent the THIRD Request letter demanding TRANSUNION, XXXX and XXXX to delete these incorrect/inaccurate accounts from my credit report since it has been over 30 days. Sent Certified mail. 
I have certified tracking numbers given to me by USPS that prove the receipt of this letters. 

Unfortunately, I started this complaint on XX/XX/2022 and the companies have not responded by the laws set up by the Fair credit reporting act and removed the information since they have had more than 30 days to verify and remove the false information from my report. 
I want this incorrect/inaccurate information immediately deleted from my XXXX credit reports. 
These incorrect/inaccurate accounts are hindering me financially and preventing me from providing a better life for my family. 
I want TRANSUNION, XXXX and XXXX to immediately delete these incorrect accounts from my credit report that do not belong to me. They are affecting my finances. Please delete the following accounts from my TRANSUNION, XXXX and XXXX reports : # 1 XXXX  XXXX XXXX # 2 XXXX  XXXX XXXX ( Collection Agency XXXX XXXX XXXX ) # 3 XXXX XXXX XXXX Collection Agency XXXX XXXX XXXX  ) # 4 XXXX - XXXX # 5 XXXX  XXXX XXXX ( Collection Agency XXXX XXXX XXXX XXXX # 6 XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this company to pull my credit. I have asked XXXX XXXX and Equifax to remove this credit pull but they are unresponsive. Equifax also refuses to provide me a copy of their detailed investigation which is illegal. 

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

Identity has been compromised. Should have mandatory fraud protection from equifax because of this. Every vital piece of information regarding my identity has been breached. that is very unsettling.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent hard inquiries on my credit report that I did not authorize on my XXXX credit report. I reached out to the creditors and they refuse to do anything about it even though I've told them it's fraud. I also reached out to XXXX and they refuse to remove it as well, even though nobody can verify it. 

Hard Inquiries : XXXX - XX/XX/XXXX Capital One - XX/XX/XXXX XXXX XXXX XXXX of XXXX - XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

I disputed a charge on my account and I have not received my money back. They say it will take until XX/XX/XXXX. That is Absurd.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported my account 30 days late forXX/XX/XXXX to both Transunion and XXXX. My payment was due XX/XX/XXXX and my account was paid on XX/XX/XXXX, which is NOT 30 days late. XX/XX/XXXX is the date the payment shows as being made on my receipt from XXXX and this is the date the actual funds were deducted from my bank account as I have it set-up as a direct debit payment. XXXX XXXX has been nothing but a problem to me and my family. My husband was hit by a vehicle in XX/XX/XXXX and the motorcycle we had financed with XXXX was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now XXXX has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customers and the research I 've done on them affirms this as they have a " F '' rating with the BBB.
Product: Debt collection

I have asked them to stop calling me. They continue to call me anyway. They are also calling my family members on their phone numbers. We have blocked their numbers. Then they just call from a new number. On average, they call three times a day. They do not identify themselves. They are calling from PORTFOLIO RECOVERY. They have called from at least 16 different numbers in the past month. I have asked them each time to stop calling.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX, I went into Chase Bank in XXXX NJ on XXXX XXXX an made a deposit into XXXX XXXX account in the amount of {$7000.00}. XXXX XXXX was said to be the account manager for the artist known as XXXX. I returned to Chase Bank two days after that deposit to inform them that the person was a scammer and fraud, and I wanted to recover my money that was deposited. I was instructed by Chase that I had to go to my bank in order to stop the payment because I wasn't a chase customer, and they ( chase ) can't look into someone account an just put a stop to the check. XXXX also stated they cant put a stop on a check they dont have in there posession. I've went back and forth with my bank ( XXXX ) an Chase there was an indemnity report done an chase denied reimbursement, I believe the report was done wrong by my bank thats why I was denied reimbursement. I had a police report and an investigation was conducted. I also have a signed affidavit from my bank. I contacted the fraud department of Chase an was told my police report needed to be given to Chase Bank. I sent those documents via email to XXXX the lady at chase who handled the transaction on XX/XX/XXXX. Sargent XXXX XXXX of the XXXX Police Department handled the report an investigation.
Product: Debt collection

I received a very official looking letter from MRS XXXX XXXX XXXX XXXX, XXXX XXXX, New Jersey, saying that I owe them {$380.00} as of XX/XX/year>. They say this amount was passed over to them by XXXX XXXX. They also say that I can save 20 % if I {$300.00} immediately before XX/XX/year>. 

I have never had an account with XXXX XXXX, and don't owe them anything. 

Checking online, this company is flagged as a scammer.
Product: Credit reporting, credit repair services, or other personal consumer reports

date XX/XX/14 looking at my credit report you are reporting inaccurate information from XXXX. 1st you are listing this account as a CHARGE OFF not a repossession which is a violation. 2nd the high balance isnt the same balance. Experian/XXXX  is reporting {$21000.00} and XXXX  is reporting {$4600.00}. if you all are getting the information from the same collector why are the numbers different? 
this needs to be deleted off all 3 of my credit reports immediately. Also after numerous times of asking a representative they could never VALIDATE this inaccurate debt. 

plz see attachment below
Product: Checking or savings account

I have never filed a dispute that hasn't ruled in my favor. 

On XX/XX/XXXX. I placed an order with a company that doesn't exist anymore. 

Once ordered. The retailer gave a tentative date of XXXX for fulfillment. 

On XX/XX/XXXX I contact my credit union to advise them that I haven't received my order, and furthermore the company no longer existed as it was delisted from XXXX. 

On XX/XX/XXXX I called my XXXX XXXX to get a dispute status they advised me that it was still under investigation, and I wouldn't be given a dispute credit. I asked why I wouldn't be given a provisional credit, and they couldn't advise me as to why... just that the transaction type was deemed ineligible.
Product: Debt collection

AWA has put a collection notice with the credit bureau due to a XXXX collection with XXXX who I have not used in years. I never received a letter, got a call, or any other correspondence regarding this debt that I know nothing of.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant FCRA 605 ( b ) to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach OF XXXX. In accordance with my rights FCRA 605 ( b ) under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX XXXX breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX Account # XXXX Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I received a letter from Select Portfolio Servicing dated XX/XX/2022 stating that my mortgage is now being transferred to a new company called XXXX. I have an open and current dispute with Select Portfolio Servicing because they assumed my mortgage from XXXX XXXX and didn't transfer over the escrow analysis from XXXX XXXX. Instead of fixing my mistake which they were notified of on XX/XX/2022 they are now transferring my loan. 

I have at this point requested to have my escrow account removed because it wasn't setup correctly when the loan transferred and at this point I'm getting the run around instead of my issue corrected. I'm more than capable of paying my insurance and taxes and want to assume the responsibility as I can do it much better than the mortgage company can.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ACCOUNTS ON MY CREDIT REPORTS ARE A RESULT OF IDENTITY THEFT. I HAVE FILED A COMPLAINT WITH THE FTC AND THE POLICE IN XXXX FL. 


US BANKRUPTCY COURT XXXX/DEPT OF ED US DEPT OF ED XXXX US DEPT OF ED XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The complaint is about how Equifax computes credit scores period and their decision to lower your score without cause. I am a XXXX XXXX XXXX who owns his home outright, owns his vehicles outright, has XXXX personal debt, has a credit card that is used but has never carried a balance yet Equifax out of the blue lowered my score XXXX points for using {$480.00} on a credit card. I believe this is extremely suspect and illegal behavior on Equifax 's part. You can not get any better than XXXX debt, XXXX balance carried, XXXX late payment history yet Equifax has lowered my credit score arbitrarily. I also think this probably shows they have defective software monitoring as well. If someone uses their credit within their limit and pays the balance in full without a carry that can not possibly be a XXXX point penalty.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Accounts that are being challenged XXXX XXXXXXXX - XXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Product: Credit reporting or other personal consumer reports

XXXX {$2400.00} XXXX {$1000.00} I have reviewed my credit reports from all three major bureaus. There are numerous accounts that do not match per different lines, most do not match in the payment history. 

I have filed numerous complaints with the CFPB providing more than one credit report that reflects after their investigation, yall are still reporting inaccurately, yet are claiming they contacted the furnisher. All three can't be right if they are still reporting inaccurately.

I reported these accounts to be fraudulent identity death and they still have not took this off my credit. Above I have a few items that are inaccurate By law I am allowed to dispute anything that I feel is erroneous and not 100 % accurate. XXXX was sued for unlawfully failing to properly investigate consumer disputes. If I dont receive the proper justification I will be suing equifax and transition! The CFPB alleges that Equifax and Transuinon does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers ' which is your company! These accounts were removed from my XXXX account so to fraud and it needs to be done for equitable and transition! I have submitted police reports, proof for a complaint and I neeed this off my credit now before me and my lawyers pursue legal action!
Product: Debt collection

Ad Astra is still on my credit reports. I have filed complaint after complaint with them, and i have submitted proof that this was paid in full, while one credit reporting removed it not the others.
Product: Consumer Loan

On the contract that was signed it has a annual percentage rate of XXXX, amount financed of {$18000.00}, 72 monthly payments at {$510.00} each, and total finance charges of {$18000.00}. Upon trying to do an amorization schedule I discovered that the annual percentage rate being charged was not XXXX but was actually XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I have disputed this company regarding a fraudulent account, starting on XXXX, and after the investigations on XXXX I had results from all XXXX bureaus resulting in removal from my credit file. on XXXX it appeared again I called the company, and the information they gave me was inaccurate. I told them my correct address and they said they were going to update the inaccurate information with the correct information I gave them now they are using the information I gave them to validate this account. I contacted XXXX XXXX XXXX XXXX XXXX I was denied access to the department that has this claim. and was told there is nothing that could be done, I have all the necessary documents on file with the bureau 's FTC report etc, at XXXX XXXX I spoke with XXXX ID # XXXX XXXX a Manager in fraud and dispute. it has been over 90 days and full investigations by all XXXX bureaus. and XXXX XXXX has violated my rights to fair and accurate reporting. I am attaching proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in the regular business of assuming the role of a credit reporting agency and in the regular business of collecting the personal information of consumers. Equifax is bound by the Fair Credit Reporting Act, the Privacy Act of 1974 and state laws requiring the safekeeping of the personal information of consumers. However, in MayXX/XX/XXXX, Equifax became aware of a data breach where over 148 million consumers ' information was stolen by unknown perpetrators, of which I was affected. Equifax did not adequately inform me that my information was stolen. It wasn't until XXXX that I learned of an extended claims period. Between XXXX to present, Equifax has failed to report accurate information on my credit report. I have been denied credit no less than 10 times due to Equifax misreporting my personal credit information. I have had fraudulent accounts reporting on my credit report. I have also suffered the same through Equifax affiliate credit agencies by being denied apartment leases, employment, higher car loan rates, and denied other open ended consumer credit accounts. I still have inaccurate information reporting on my credit report that Equifax refuses to delete despite numerous complaints made by me to the CFPB. Equifax consistently and negligently continues to violate my federally protected rights and state rights as a California resident. Equifax should not be allowed to do business in the US. I have spent and lost hundreds of thousands of dollars trying to repair my credit, protect my personal information and credit, and prevent my information from being stolen in the future.
Product: Debt collection

I have disputed this item to have it verified and validated. I received notice that the debt was verified but did not get anything showing how it was verified/validated.
Product: Credit reporting or other personal consumer reports

I have reached out the companies asking for removal of these inaccurate accounts, I spoke with XXXX and they told me all inquires was removed but I still see these accounts reporting, I also reached out to EXperian and all companies and the items are still reporting