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

I reviewed my report back on XXXX XXXX, and noticed some things are incomplete and not accurate. Also, according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. The accounts below are not complete and accurate. And one more thing according to 15 USC 1681s-2 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. Also, according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumers report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates. Also, they sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate and according to nd according to 15 USC 1681i 5 they are supposed to do this ( 5 ) 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. And according to this law they are supposed to provide me with a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ). And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has because to believe that the information is inaccurateXXXX 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 

Check the attachment below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 3 years ago I received a loan from XXXX XXXX XXXX XXXX to purchase some appliances. Due to some unforeseen events I defaulted on the loan. Recently I settled the account. I started applying for a mortgage and noticed XXXX XXXX XXXX XXXX had this account coded as a mortgage. This loan nor any loan I had with XXXX was tied to a home or was secure. The loan was for appliances but no collateral was identified when getting the loan. In XX/XX/2020 I disputed this information with XXXX  and Transunion both said XXXX verified the information. In XX/XX/2020 I sent XXXX a letter requesting they update my credit report to reflect this loan as an installment loan not a mortgage because it was not a mortgage. I am in the process of trying to get a mortgage. My credit report has been pulled multiple times and every time I try to obtain a mortgage, I am being told that I am ineligible because of a short sale. The way XXXX XXXX is reporting the account it makes it looks like I settled a defaulted mortgage not a defaulted loan. This account is hindering me from obtaining a real mortgage. When I contacted XXXX they provided me with a statement that said the loan was an installment loan not a mortgage but they continue to code this account as a mortgage on my credit report. Please see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter of Complaint : Refuse to Validate Debt Beginning in XXXX, Ive disputed the debt with the major credit bureaus, as well as XXXX XXXX. I requested proof of validation. So far, none of them have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, Trans Union, XXXX, or XXXX has not responded, or updated the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Telephone Communications with Trans Union, XXXX, and XXXX claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification.
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 Account Number:XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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.
Product: Credit card

I have contacted Apple/Goldman Sachs multiple times to enact the Louisiana service members civil relief act. This act ensures that any active service member serving in the state of Louisiana is entitled to an interest rate at 4 % or lower. My interest rate with the card is currently 26.24 %
Product: Credit reporting, credit repair services, or other personal consumer reports

JPM Chase Bank is incorrectly reporting a charged off credit card on my credit report that does not belong to me. I have provided both JPMC and the credit bureaus with a copy of a police report from XXXX XXXX Texas which details this criminal activity which has caused great harm to my personal finances and drastically reduced my credit score. Most of the accounts have been removed now from my credit report, however, this account with JPMC in the amount of {$6000.00} under # XXXX still remains. In fact, JPMC is reporting this account as BOTH a charge off AND a currently past due account which is completely illegal and in violation of FCRA. This is the last error that is driving my score down over XXXX points and preventing me from getting a mortgage. REMOVE immediately.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, XXXX refuses to provide thorough details for their reinvestigation as to how each are continuously reporting negative information on each accounts. Delete or correct my disputed information.
Product: Credit card

XXXX line of credit, fixed. Paid off., closed account, claims I owe XXXX more dollars, I disputed, three different times, each time, they. They claim they fixed. Said they had issues with computer glitches,., Then time went by and they started sending me, this request again. I do not owe XXXX from a XXXX credit limit XXXX.Paid off., which means they move the goal post, so they can get more money from us.I reported to credit XXXX, etc XXXX Harassment stoped for awhile, now they started back again
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX will only " look Into the problem if I pay each a {$590.00} credit monitoring fee. I have been XXXX since XXXX, all three agencies have taken full advantage of my XXXX. I have reported numerous times that the XXXX accounts which report derogatory information about me are results of identity theft. 

The social security number listed on my Experian report is incorrect. I have never lived at my XXXX 's address at XXXX XXXX XXXX XXXX XXXX Yet, all three agencies report that I do. 

In early XXXX, I started a loan savings program with XXXX XXXX XXXX for {$1000.00}. I did this intentionally to save money for my husband 's birthday gift and to build credit. I explained that my plan was to pay it off in XX/XX/XXXX, the agent who typed my application agreed that it was a good plan. It was actually a baited plan. 

I paid {$87.00} each month via ACH Transactions. I deposited the final monies in XX/XX/XXXX. I withdrew the funds. XXXX XXXX XXXX is reporting that I opened a {$1000.00} line of credit. As a result my XXXX XXXX which I had been working so hard to build dropped by XXXX points. I disputed this information and was told that if I pay, it will all go away.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX : # XXXX, XXXX  XXXX : # XXXXXXXX XXXX XXXXXXXX, 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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XX/XX/2021, I tried applying for a pre-approval letter in order to attain a mortgage, When my credit report was pulled, it showed an arrear of inconsistencies. While auditing my credit repair, I came across a few errors. M & T Bank is not reporting the same account number to all 3 credit bureaus XXXX M & T Bank is not reporting the same Account type to all 3 credit bureaus, M & T Banks is not reporting the No. Of Months ( terms ) the same to all 3 credit bureaus, those are just a couple of inconsistencies. I reached out to M & T Bank to find out why they're not reporting to the credit reporting agency the same across the board, now Im challenging their Accuracy and Integrity. With these errors, my credit score has dropped and it has cost me a lower apr and lower approval account. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( XXXX ) Identifies the appropriate consumer. 
12 CFR ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, never gave ( XXXX, XXXX or XXXX XXXX XXXX XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
This is the first I've heard from you, or any other company on this matter therefore, in accordance with Section 809, Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them this debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA5 1681s-2.

If you do NOT own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter to the original creditor that you say I owe money too so they are also aware of my dispute with this debt.

Finally, in accordance with section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law.

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 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. 
Name of Accounts : XXXX XXXX XXXX XXXX Account Numbers : XXXX Name of Accounts : XXXX, XXXX Account Numbers : XXXX Name of Accounts : XXXX, XXXX Account Numbers : XXXXXXXX * NOTE : Please also remove all non-account holding inquiries over 30 days old. 
Thank You, XXXX XXXX XXXX
Product: Student loan

I re-financed a couple of my student loans through a company called earnest. I have a fixed rate loan with them so the monthly payment through the life of the loan should be fixed. I've made every payment on time. But recently, I noticed that the minimum monthly payment went up. I called them on XX/XX/18 about this issue and the lady on the phone was very apologetic saying that shouldn't have happened and they will get it fixed. On XX/XX/18, when my payment was due, the issue was still not fixed so I called again. Again, they told me that the payment shouldn't have gone up and they will fix it. They told me to just pay the normal amount they will fix the issue. I paid what I knew was due rather than the elevated amount like they told me to. Today, on XX/XX/18, I received a letter in the mail saying that there is unpaid interest and unpaid fees on the account. 

This company pushes for automatic payment. If I had been using the automatic payment option, this problem would've gone unnoticed. There are likely many other people that are victims to this highly unethical business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian Rep XXXX XXXX regarding two concerns. 

1. A Hard Inquiry that was to removed from XXXX 2. Open Account with XXXX XXXX XXXX which shows no payment for XX/XX/XXXX. 
Payment of {$300.00} on XX/XX/XXXX and Loan Modification deferment contract for XX/XX/XXXX that deferred payment til XX/XX/XXXX. 

Experian Rep could not help despite asking for me to send in the required documentation to him .... Waste of time and fax money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Equifax XXXX Inc. has no permissible purpose to be furnishing this information pursuant to 15 U.S.C 1681b. I am aware neither one of these conditions apply, and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Equifax XXXX Inc. is furnishing information from XXXX XXXX XXXXXXXX. In addition, XXXX XXXX is involved in Racketeering Activity along with XXXX XXXX, XXXX. by furnishing negative, inaccurate information, oppressing and harming XXXX XXXX XXXX, Consumer. In addition to receiving proceeds derived from such Racketeering Activity. Convictions of Racketeering Activities carry up to a Life Sentence Imprisonment of Chief Executive Officers of all parties involved. All three of the Consumer Reporting Agencies are reporting this account as, " Closed '' when, as of XX/XX/2022, XXXX, " XXXXXXXX XXXX XXXX. '' stated that this account is still open. Which is false representation of the status of the account. All of the Consumer Reporting Agencies are in violation of the Fair Credit Reporting Act.
Product: Mortgage

The borrower missed the first payment on the loan in 2019. The property was under contract in XXXX, scheduled to close in XXXX, 2019. The lender assured the owner that they would not proceed with foreclosure proceedings as they knew it was scheduled to close early XXXX, 2019. The owner tried for over 20 days to get a payoff statement from the attorney representing the current loan servicer/investor but no success due to XXXX XXXX not cooperating. The property closed on XX/XX/XXXX and the title company has sufficient funds to payoff the loan from the sales proceeds but they have not been able to get a payoff statement. The seller has tried to get the law firm to provide a payoff statement but it has been one excuse after another and they have been very difficult to deal with. I am asking for you help as the new owner is very concerned that the lender will not provide a Satisfaction of Mortgage and Dismissal of Lis Pendens, even though it was filed two days before closing and they knew the loan was being paid off.
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b XXXX XXXX XXXX are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in removal the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$880.00} XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX AV XXXX XXXX XXXX, NV XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I made Experian, aware that old and incorrect information was being furnished. I provided the correct information and still the old and incorrect remains
Product: Credit card or prepaid card

in XX/XX/XXXX i cancelled a transaction for {XXXX} and i was refunded my money. 

On XX/XX/XXXX, Paypal charged me again for this {$XXXX}. I send them a letter to the address below and they have not replied. : PayPal, Inc XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX www.paypal.com XXXX I did not authorize them to charge me again. i am XXXX with medical conditions. I have not left the house in 3 months.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a collection account on my TransUnion credit report. The account in question is not valid and remains inaccurate. It is imperative to reiterate that I do not accept this account as verified, and my formal dispute serves as an indication of its unverified status. 

Upon reviewing the details provided by TransUnion and noting the inconsistencies within your reporting, it is evident that this item lacks credibility. Additionally, this account is not being reported by either XXXX or XXXX. This stark contrast further solidifies my belief that the information in question is inaccurate and unverified.
Product: Mortgage

I have been having issues with Selene Finance. The company increased the amount of my monthly mortgage payment without properly notifying me. I spoke to a representative to inquire about the increase and a representative stated that a letter was mailed to me. I never received the letter so I asked to have it re-mailed. A few days later I received a letter from Selene Finance stating that I should disregard the letter. 

Selene Fiance has been very unprofessional during their time as my servicer. I was supposed to have a new monthly payment amount from a loan modification that I completed with XXXX, however Selene finance never upheld the terms of my the modification and instead made me do a new one with them which resulted in a higher mortgage payment and higher principal amount. 

Selene has even done minor things which in my opinion are extremely disrespectful and unnecessary such as sending me refund check in the amount of {$0.00} ( a XXXX ).