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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

I Looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX. 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. 

I WANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE.GOV SO THAT OTHERS CAN LEARN FROM MY EXPERIENCE.
Product: Debt collection

I was contacting several months ago about a loan the I thought was paid XX/XX/XXXX but the company failed to take the amount out of my account and then waited until XX/XX/XXXX to contact me. I made arrangements with them in XX/XX/XXXX to pay the debt over several months. The payments were processed appropriately in XX/XX/XXXX and XX/XX/XXXX then in XX/XX/XXXX they began contacting me constantly threatening me because a payment did n't post, yet according to my bank, they never attempted to process the payment. I have tried working with them and have given financial information multiple times yet they keep contacting me saying payment has n't been made ( bank statements show they have or that they never attempted-initially the XX/XX/XXXX payment then after 3 conversations and sharing info, it finally was processed. XX/XX/XXXX payment was not attempted ) and asking for my bank info repeatedly. They call multiple times in a short period of time ( 3 times today in 90 minutes ) threatening me and telling me what I owe will triple, etc. they have even hung up on me when I ask them why I need to keep doing this ( share financial info ) when I have authorized payments to be taken out according to the terms of the agreement I signed. I have attached the XX/XX/XXXX document showing future payment terms. I also had payments processed earlier.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Experian. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXXXXXX XXXX XXXX inquiry XX/XX/XXXX
Product: Debt collection

I called the debt collector on XX/XX/2016 at XXXX because I wanted verification of said debt and info on the account. I monitor my credit report weekly and all of a sudden last week I noticed a collection entry on my report. I never received any mail or notice of debt collection of said debt. There was never a 1st attempt to serve notice of debt. So I decided to inquire what they thought I owe to them. The agent answered the phone and asked what my name was. I responded and she read me the miranda and said the call was being recorded. I responded and told her I was recording the call as well. She said she did not consent. I said it doesnt matter as I needed more information on the said debt they claimed I owe so the recording is for my personal use and I do not need her consent. She asked me for my mailing address after she said that they have an address of XXXX. I said I do not live there and have not lived there. I will not give her my mailing address because she had yet to provide a debt validation to me. Then she literally went off on me over the phone and cut me off while I was explaining why I did not want to provide that info. The call lasted for 4 minutes. I was shocked that is how a debt collector treats someone who they have not even verified a debt with. I urge anyone if anyone to request the tape of that call and please listen to it. So many violations on that call. I ended up hanging up and stating that I will file with the Attorney General which I did after the call. How else can a consumer get a debt verification if they freely called and get treated like that by a collection agent? I consider that a threatning act to force me to bite into a false unverified debt. I demand validation of said debt. I do not owe any debt to said debt collector. She could careless what I had to say. She abused and intimidated me over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent Experian the following dispute information to be removed I have yet to receive any communication in regards to my results. I have attached my dispute information as well.
Product: Credit card or prepaid card

1. I have two Discover accounts and both have different FICO score disclosures on my statements. I would like an explanation on the different FICO scores. 

Account ending XXXX ; Statement closing Date XX/XX/XXXX, XXXX ; FICO XXXX Account ending XXXX ; Statement closing Date XX/XX/XXXX, XXXX ; FICO XXXX 2. Additionally under the Military Lending Act/SCRA act my interest rate should be 6 % effective XX/XX/2019. Requesting a refund on my interest charge difference. 

3. Please change my last name to XXXX and reissue both cards.
Product: Debt collection

This collection is for a bill for a medical procedure that was covered 100 % under my XXXX insurance. I have made repeated attempts to resolve this collection with the collection agency ; BCA Financial Services. They tell me to disregard the mail notices and that they will process through XXXX again. But, the collection stays on my report.
Product: Credit card

Payment made to Target National Bank was rejected due to " insufficient funds ''. A {$25.00} refused payment fee was assessed. TNB was informed by me via website, telephone, and secure email that the account normally used for payment was closed due to security breach, and a new account was given to draw payment from. TNB claims this never took place, and refuses to reverse the fee. This is apparently a standard practice used by TNB to generate fees. I have since closed the account, paid the balance ( less the penalty fee ).
Product: Credit reporting or other personal consumer reports

Inaccurate reporting, the account is in litigation. Under the doctrine of Estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists. Also, see attachments.
Product: Credit card

On XXXX XXXX, 2016 I received an email from American Express offering XXXX XXXX if I applied for a credit card. I had been holding off on applying for any cards but thought the XXXX XXXX would be worth it. I applied and re-read the email I received. My husband worked for a credit bureau and so we have always been selective when it comes to this type of decisions. The email stated, " earn XXXX XXXX after spending {$1000.00} or more on your card in eligible purchases in the first 3 months of card membership. Plus, receive a {$50.00} statement credit after you make a XXXX purchase with your new card in the first three months. " I spent over {$1000.00} in the first three months and waited to see the XXXX XXXX ... they never showed on my account. I contacted Amex several times only to get the run around. After finally speaking to a supervisor, I was asked for a promotion code but explained that the email I received had a direct link and was never asked to submit a promotion code. I saved the email, sent it to Amex to review and was told I would have a response within XXXX6 weeks. This happened two more times after waiting 6 weeks each time. Every time I spoke to someone I was told that the promotion code I used did not offer but XXXX XXXX. I repeatedly explained that the email I received and used to sign up for my card had no promotion code attached but rather used a direct link from that promotional email. I have waited months, spoken to at least XXXX supervisors and no one can get this resolved. I have attempted everything I can, I feel lied to and incredibly disappointed in the amex customer service. I have been treated as a liar when I have proven that I am a loyal customer who has continuously paid on time and only used the email that I received from them. XXXX supervisor had the audacity to say that I was attempting to get higher XXXX becuase their amounts and promo emails fluctuate. I had to explain that I had received offers of up to XXXX XXXX before yet i was not asking for that. I was simply asking for what was promised in the email I received from them. it had come down to principle. Their promotional email was either faulty and the direct link did not take me to the correct page or it was a blatant lie. Either way, after months of attempting to correct this issue I have come to a realization that American Express only employs incompetent people who can not resolve this simple issue. I do not recommend them to anyone anymore as I now see that correcting even the smallest issues are nearly impossible, they are not willing to take the time to research the matter rather they pass you off to different representatives, tell you to wait XXXX8 weeks each time you call or do n't bother to give you an answer but " this has already been reviewed and nothing can be done ''. Their business practices are nothing short of unprofessional, deceitful and unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, each and every month thereafter through XX/XX/XXXX, I have disputed the following via Certified Mail to both the Credit Bureaus AND XXXX XXXX requesting updates to the incorrect information on my Credit Files ; and to date, no response from either the two Credit Bureau and / or from XXXX XXXX XXXX : : TRANSUNION : a ) XXXX XXXX Acct No. XXXX b ) XXXX XXXX Acct No. XXXX XXXX : a ) XXXX XXXX Acct No. XXXX b ) XXXX XXXX Acct No. XXXX I request that the said Credit File Information be updated accordingly or t provide an account payment history ; and to explain why XXXX XXXX rejected over 80 payments from XX/XX/XXXX throughXX/XX/XXXX.
Product: Checking or savings account

For the last three years, I have been trying to open up an account at PNC Bank but they have repeatedly refused and never told me why. They always tell me to call XXXX XXXX XXXX, which refuses to provide even a general reason for why I am unable to open accounts.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, XXXX and TransUnion will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX Account Number : XXXX The Date Opened for this account on Transunion is XX/XX/year> XXXX The Date Opened for this account on XXXX is XX/XX/year>. This is inaccurate history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. 

Transunion, XXXX and XXXX failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXX Account Number : XXXX Please remove this item from my report the incorrect and inaccurate information from all three of my credit reports, Transunion, XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I noticed several hard inquiries on all XXXX of my credit reports ( XXXX, XXXX, XXXX XXXX ). I even received several denial of credit letters in the mail for stuff I never applied for. Instant credit was even provided in more than XXXX incident. I have contacted the phone numbers listed to explain the situation to no avail. They always say, I'm sorry ma'am, there is nothing I can do. 
There are also addresses on my reports that are in states I have never lived in. Email addresses as well. My name is misspelled several times and other last names have been added as well. 
XXXX that I have never worked, etc. Inquiries are as follows : 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 Also, these collection XXXX are harassing me for alleged debt that they claim I owe them but these are fraudulent accounts. 
XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$430.00} There is an account with XXXX {$600.00} That I never opened and it says I have XXXX late payments. 
XXXX XXXX {$540.00} says I had XXXX late payment and I NEVER did. 
XXXX XXXX {$620.00} FRAUDULENT XXXXXXXX XXXX XXXX {$760.00} FRAUDULENT
Product: Checking or savings account

XX/XX/2021 my bank accounts where blocked. Fraud dept was contacted by banker at branch. I was told that letter by mail was the only way to verify my identity. It is now XX/XX/2021, and have not received so called letter.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX on my Experian report. This account is a verified fraudulent account by XXXX. I disputed and Experian did not remove the account after I provided proof from XXXX and the police report
Product: Credit reporting or other personal consumer reports

At about XXXX, on XX/XX/XXXX I received an alert from XXXX. My credit score was lower, and there was a hard inquiry from JPMCB Card Servies. I did not apply for a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I pulled my consumer report and I am showing Transunion Credit Reporting agency is reporting XXXX inquiries from companies I did not authorize nor recognize. They are violating federal laws 15 USC 1692g ( debt validation ) as they never validated the debt with the original creditor. They have violated 15 USC 1681 ( consumers privacy rights ), they have also violated FDCPA. They are reporting inaccurate information on my consumer report hindering me from obtaining credit for a car. I sent certified mail demanding removal on XX/XX/ and they have failed to respond. According to federal laws they have 30 days to respond and are outside of the response time window. 

15 U.S. Code 1681d - Disclosure of investigative consumer reports ( 2 ) Inquiries A consumer reporting agency shall not make an inquiry for the purpose of preparing an investigative consumer report on a consumer for employment purposes if the making of the inquiry by an employer or prospective employer of the consumer would violate any applicable Federal or State equal employment opportunity law or regulation. 

I demand removal of the misinformation being reported without my consent. They are also invading my privacy which is against federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my belief that my original complaint dated XX/XX/XXXX was erroneously classified as a dispute of a Credit Score and the CFPB Complaint ID XXXX was subsequently closed as a result of such a classification. Therefore, I am rewording & again submitting my primary complaint with very concise concerns. ( 1 ) Please provide me with the chapter and verse, per se, of the FCRA regulation which allows Credit Reporting Agencies to delete non-adverse payment data on accounts that have been Paid and Closed for at least ten years? This request is being made since deletion of such aged data appears to be an industry norm. Meaning, all three of the major Credit Reporting Agencies appear to be engaged in the same activity. ( 2 )  Regarding my account that was opened back in XX/XX/XXXX, I can see data going back only about seven years reflected on your latest report. Why is it, all of my perfect payment details going back to XXXX is not being shown for this account? Instead, your agency is mailing to me of a lot of reference material using a lot of paper which includes at least one non-working phone number for a XXXX, XXXX, number XXXX. Regarding this alleged toll free number, I again dialed it on XX/XX/XXXX, at XXXX XXXX  CDT. A recorded message states in part, were sorry the number you have dialed is not in service at this time or can not be reached from your calling area. As you may be aware, so-called reformed hardened street criminals, cyber criminals, bullies, as well as, persons just harboring hate have many different means they are using these days to either defraud one of goods & services or just simply to disrupt and/or deprive one of the rightful use and access of what rightfully & legally belongs to another person. Please mail me a new credit report once you have completed your research, if any.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX this company put a medical bill on my credit report but with the wrong address and i have tried talking with them to remove this from my credit reports, they went in and they are using a loophole to get this done by using a company name ( professional credit management ) .this is not fair according to the ftc . but they still said its for the imaging center that was for XXXX for XX/XX/XXXX. I been at my home here since XX/XX/XXXX and they said that they tried calling me and i did not answer calls, then they said they sent it to another address that was not associated with me.I need some help please upon removing this from my credit reports because I supposed to be closing on my home in may. I have paid this XXXX $ but its the hardship behind all of this illegal loophole that they have done. 

Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> amount : {$430.00} i tried disputing it multiple times but nothing changed they are breaking the privacy act law by reporting any transaction to third party agency without my consent cause me harm to my credit worthiness
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX XXXX Everything must be XXXX percent XXXX accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to XXXX use XXXX ( XXXX ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to XXXX XXXX XXXX ( XXXX ) and they never did. I have proof of my letter for that. 
Also according to XXXX XXXX XXXX XXXX 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance XXXX {$9500.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$5600.00} XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Mortgage

Complaint is hereby made at the adjustment in interest rate being charged. We closed on our reverse mortgage XX/XX/XXXX and the interest rate was set at 4.48500 %. On XX/XX/XXXX, the interest rate was raised to 6.010 % effective XX/XX/XXXX. The current advertised rate for reverse mortgages is in 4+ % rate and this amount is unreasonable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a loan off that was taken out through my credit union at the beginning of the year and all three credit companies are reporting that I still have a balance. I received a response back saying they reviewed it and no changes were made. There is also a energy company that I've disputed several times because I have never had service with them nor have I ever lived at the address they are saying the service was. They have added a note to my report saying I have disputed this information