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

When I supplied a copy of the FTC report, it was determined that credit bureaus are not obstructing records. Because it is required by FCRA regulation 605b, I am delivering this Complaint to assist in laying out a legal response. If you choose not to impede the following items listed beneath that are responding incorrectly as a result of fraud. The following items must be removed from my file : XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX BankruptcyDate Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Balance : {$680.00} ; XXXX  XXXX Balance : {$1200.00}.
Product: Debt collection

JP Recovery Services , Inc. has not verified this debt to me. According to the original creditor ( XXXX XXXX XXXX XXXX ), it is already paid.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, Transunion, and XXXX to reinvestigate this account from XXXX XXXX XXXXXXXX # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 reporting or other personal consumer reports

I have reviewed my credit report with XXXX a few months ago made a complaint it was supposed to be corrected. It was removed and put back as a current deliquent account. I had requested that it was corrected and then it is now placed back on there as of XX/XX/2023. This is very damaging as I am working on my credit report and nothing has been fixed. At this moment due to the damage that this is causing I am requesting it be removed not only that, but a mometary payment becasue at this point it is very damaging and keeps causing my closing date for my house because I have to keep disputing these same accounts,
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protect consumer right to privacy and confidentiality under U.S.C 1681. 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 report agency can not furnish an account without my written instructions. 15 U.S.C 1687c. ( a ) ( 5 ) Section States : No Consumer report agency may make any consumer report of the following items of information. Any other report 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX  Account Name XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX  Account Name XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  via XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  Account Name XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX  Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Name : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened this Conn 's account in XX/XX/2014 I was never late I asked several times when I made my payment on time to set this account in automatically payments and they did for was never informed that was only for 2-3 months and they removed it without my consent I still made my payments this account shoes charged off and it was not it was paid in full as agreed there's is late payments and incorrect information I need this to be corrected and deleted please.
Product: Credit reporting or other personal consumer reports

Reporting agency failed to adequately verify account in collections. Account is tied to an address that I have never resided in nor recognize. The address is also not listed on my credit report nor deeming it fraudulent. Also they have inaccurately tagged my credit profile as having XXXX late payments with XXXX Credit Card when I in fact do not have late payments on this account. XXXX Fraudlent charges were reversed in my favor on the account and the reporting agency failed to update the accounts adversely affecting my credit causing me stress, pain and suffering. Also the credit card was closed and had an completely different account number. Proof of the account number is in the attachments. I have not completed ANY transactions under this NEW account number which makes all payment history dating back before XXXX null and void.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 money was sent to me by my daughter via PayPal for a payment back of a personal loan. The dollar amount was {$1500.00}. I received notice from Pay Pal that such money was received. I went to PayPal site and requested the money be sent to my bank. A message was sent, similar to my daughters that the money would be available within a day. See message from Pay Pal ( email available ), language below. 
We're transferring money to your bank You asked us to transfer {$1500.00} USD to your bank account, and we're processing this transaction now. 

Estimated arrival : 1 business day Transfers made after XXXX XXXX ET or on weekends or holidays take longer. All transfers are subject to review and could be delayed or stopped if we identify an issue. 

Transfer details Transaction ID : XXXX XX/XX/2019 Total amount transferred {$1500.00} XXXX XXXX account XXXX XXXX XXXX, XXXX, XXXX ____ I checked on the XX/XX/XXXX and again today the XX/XX/XXXX and no deposit had been made. I then contacted PayPal through customer service Chat. The agent told me that it would be another 3-5 days based on unknown factors. He acknowledged the email clearly stated the one day transfer email which I provided him.

Clearly PayPal is using the consumer money, holding it for time frames to obtain interest earnings on the funds in whatever account they are using at the expense of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr. XXXX, Here is a copy of your statement. You confirmed that you did not give complete information. 



From : XXXX XXXX [ mailto : XXXX ] Sent : Wednesday, XX/XX/XXXX XXXX XXXX  To : Consumers <XXXX> Subject : Dispute claim Im sending this message to clarify fraudulent reports on my record.. 
1. Unauthorized area/ failure to timely report accident claim : On XX/XX/XXXX I was involved in an accident in XXXX county , Georgia , as the result of an improper lane change. attached are photos of the accident and ticket, and acknowledgment of the accident by the safety director, XXXX XXXX XXXX. I contacted XXXX the day of the accident and thereafter he blocked my phone number so he did not receive the pictures on the day of the accident, therefore he followed up with me on Monday. 
Also the accident was a dot reportable offense which the company reported otherwise. The pictures show the disabled vehicle which had to be towed off the road. Thus, the company failed to send me for a XXXX XXXX   as required.. 
2. Unauthorized use of equipment/ quit under dispatch On XX/XX/XXXX I returned to the yard under dispatch. I was instructed by the owner, XXXX, to change trucks because the lease on the truck that I was driving was going to expire. XXXX had spoken to me before about the need to change trucks and had offered me an older truck to drive which I refused. Therefore, not wanting to argue with the boss over a new XXXX international truck which she wanted me to move into, I decided to quit. The new truck was slower, did not operate as a manual in all gears and it had to many distracting amenities therefore, it didnt operate like the previous one which I was comfortable driving. 
Since the truck that was being dispatched was being decommissioned, and I was not going to get a truck of equal stature that I was comfortable operating, I took the revocation of my truck as the initial step in a process toward being let go. 


You can send a rebuttal statement to : XXXX I provided evidence in attachment to this claim I made to the reporting agency to defend myself from negative retaliation by the trucking company. Believing the reporting agency was a neutral and unbiased party and had the ability to exclude retaliatory complaints made by disgruntled trucking companies, hireright refused to amend my report in light of Evidence I provided to show the trucking company broke the law. And therefore made false reports to keep me from finding employment in other places. 
This complaint comes timely after I was denied employment by XXXX XXXX  for reasons cited in my dac report. Hireright failed to use reasonable discretion when evaluating investigative reports, and reported false claims by the company. As a result of there deceptive actions not to act as an impartial and unbiased party when reporting inaccuracies have been left on my report over a long period of time. And as a result I have been denied fair opportunities of employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past year I have submitted 3 disputes to Capital One. They only responded to my third dispute. They are showing that I made late payments in XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX. The reason that these payments were late is due to the phone payment system not recording my card information correctly. A supervisor concluded this to me via phone calls in XXXX of XXXX and again in XXXX of XXXX. They advised if i submitted a dispute in writing and listed that as the reason then they would remove the late payments from my credit reports. Each time i submitted a dispute i waited the 45 days and no one ever got back to me. Over a year later i submitted a third dispute and capital one denied it even when i showed evidence that i sent two prior disputes and they did not respond within 45 days which is required by law. They are breaking the law by not responding to my disputes within proper timing and also incorrectly reporting me past due when i called in each month to make the payment. when i checked online i was always showing in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint against Equifax regarding a public record on my credit report. After disputing the bankruptcy the results confirmed it was verified by XXXX XXXX solution. I provided a letter from XXXX stating that the public record was deleted for several inaccuracies do not exist. I was then told they verified it with the courts. I mailed in a letter from the bankruptcy court stating they do not report any information or records to the credit bureaus. I called Equifax and a representative explained that they call the US bankruptcy court ( an automative system ) to verify. Which violates section 609 because the system can generate false information. I understand that information has to be verified from the original furnisher. I was told by a XXXX XXXX that the credit Bureau can call them and they will confirm anything in my file to resolve the issue. After spending countless hours on the phone with Equifax I asked if they could call and confirm with XXXX with me on the phone. I was told no and hung up on. It seems as if Equifax is working against me instead of helping me. The representatives are very rude, impatient, and constantly telling me to file a dispute online. I would like all supporting documents that was used to complete my investigation such as name of people that verified the information, dates, and times. I have asked for this information during my previous disputes and was not provided the information. My question is how is a Bankruptcy that do exist in my XXXX profile XXXX your listed vendor ) being verified. Please delete this negative and inaccurate account from my credit report.
Product: Credit reporting

I disputed this account with Equifax on : XXXX XXXX, XXXX ; they have not gotten back to me. This account was removed from all XXXX of my credit reporting agencies sometime back in XXXX ; it was added back on my Equifax on : XXXX XXXX, XXXX ; without my knowledge, I will also state, this account was paid in full in XXXX XXXX.
Product: Mortgage

IN XX/XX/2016 WE STARTED A RE-FFI WITH XXXX. WE WWERE TOLD THAT WE DID NOT NEED TO MAKE THE XXXX PAYMENT. THEN ON XXXX XXXX CALLED AND SAID THERE WWAS A PROBLEM AND WE NEEDED TO PAY XXXX MORTGAGE PLUS THE LATE FEES ... .HHE SAID HE WOULD REIMBURSE US XXXX WE DID NOT NEED TO MAKE A XXXX PAYMENT. WE GOT LETTR FROM XXXX SAYING NEW MORTGAGE HOLDER EECTIVE XX/XX/2016 WOULD BE SPECIALIZED LOAN SERVICING WTH ACCT XXXX. SO WE SET UP SLS ON AUTOMATIC PAYMENT WITH THE PREVIOUS NAMED ACCT NUMBER. XX/XX/XXXX WE RECEIVED A LETTER FROM XXXX THAT THEY ARE OUR NEW SERVICER WITH THE ABOVE MENTIONED ACCT XXXX. WE TALKED TO XXXX 4 TIMES. PAYMENT FROM LSL HAS NOT BEEN SENT TO THEM. WE HAVE RECEIVED 3 LETTERS FROM XXXX AND XXXX PHONE CALLS SAYING WE ARE LATE. SLS HAS OUR MONEY. XXXX SAYS THAT THEY CA N'T FIND THE MONEY. WELLL DAHHHHHH ... ..SLS HAS IT AND THEY WONT GIVE IT BACK. 
SO AS OF RIGHT NOW : WE OWE {$2700.00} PLUS NOW OUR TAXES ARE LATE BECAUSE NO ONE HAS OUR MONEY.
Product: Credit card or prepaid card

On XX/XX/2019 I had one late payment in my credit cards with Sears CBNA. Before that and until now I have always pay on time and I have been responsible. During that time I had a life changing situation that cost me a lot of money. After that I have always pay on time. This one late payment is affecting my credit score big time. Can you please consider removing this one late payment on my card? I Have always been a great customer and I will never pay late ever again. I am working on getting a new car and removing this late payment on my card will help me get approve. Thanks for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent EXPERIAN a certified dispute letter with proof of my identity by my government ID and proof of residency with my bank statement in regards to fixing my personal information that was reporting inaccurate address and employment on my credit report and I received my return receipt because they signed for it. I called five times and authenticated my identity through the phone and my email. I waited two month to pull my credit report and EXPERIAN refused to correct my inaccurate information. The representative I spoke with XXXX on XX/XX/XXXX was the most disrespectful person I ever encountered she said she wont be able to fix it due to me not sending in my full social security card. I have proven time and time again my identity but its wasnt to her or EXPERIAN liken. I feel that they deliberately make consumer go through difficult situations for their own satisfaction. I have been trying to get my personal information corrected for two months but each time they failed to do their job. They are violating my consumer rights and not following the FCRA guidelines because of the fact they want to cause me trouble and take me through pure XXXX. Its not right and something need to be done with their unprofessionalism and be held responsible for causing me harm to my credit report by not correcting the inaccurate information. I also recently called on XX/XX/XXXX and let them know of the inaccurate address they refused to remove the inaccurate address still reporting I told the representative my exact address that should be reporting. She told me it will take up to 24/48 hours for the change to be made only to see she erase my current address that I have proven time and time again my residency. She left a address that doesnt belong to me on my credit report and also log in and seen she purposely did this after I ask her have she received my dispute letters. She confirmed that she did receive my dispute letters with proof of my residents but still failed to complete her job. I login on XX/XX/XXXX just to see this address that dont belong is reporting as my current after showing proof of the address.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I bought a car. After purchasing, I received an email from XXXX that my credit score was very low in XX/XX/XXXX. I looked at my credit report and saw a credit card that was past due from opportun web bank that was not my credit card/account. I never opened this card/account, did not know this card/account existed, and never have received any info on this card or account. I immediately took action with opportun web bank and my local police for identity theft and to have the account removed from my credit report. In XXXX of XXXX opportun approved that the account was identity theft and I was not responsible for it and it should be removed from my credit report. I am still fighting for it to be removed from XXXX  and XXXX even though every time I contact opportun they say that since XX/XX/XXXX they have said its not mine and should have been removed. I have 2 letters from opportun stating this too. It has been removed from XXXX. I believe my information was stolen during a data breach at XXXX state in spring of XXXX. Please remove this account from my credit report at XXXX and XXXX
Product: Credit card or prepaid card

Capital One Financial made an offer on their XXXX Page in early XXXX offering to help their customers through the COVID-19 crisis. Based on this offer, I made a request for a Credit Line increase. Despite a near perfect payment record ( one late payment ) with my Credit Card account, and a perfect payment record with my Auto Loan with Capital One, this request was denied on XX/XX/XXXX,
Product: Student loan

I have always paid my bills on time. College Foundation XXXX  did a terrible job communicating that FFELP loans were not protected from reporting under the CARES act. I want the 60 days past due from XXXX to be removed. It dinged my score XXXX points. It is unacceptable. My mom died this year. We are in a pandemic. XXXX is a servicer meaning part of their job is to communicate effectively to their clients on behalf of the federal government whose loans they are responsible for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had left to live in XXXX since XX/XX/2015and while I left someone had used my information and opened credit cards. 
I am here in USA for a visit but I still want my fraud charges to be removed from my credit report
Product: Vehicle loan or lease

My father passed away at the end of XXXX of 2022 and I was trying to settle his account. I was first told by a representative they would talk to me after sending in a death certificate and my driver 's license. After doing that I called again because I had not heard from them. They said they would not talk to me because I was not the informant on the death certificate. After speaking with many of the reps and trying to speak to managers, that were extremely rude, and I was hung up on multiple times, they finally came and picked up my dads vehicle. 1 week later, even after sending them a death certificate, they are still sending my dad letters telling him he is obligated to pay his vehicle off. This place in an absolute joke to work with, the people are not personable, and I have been lied to on several occasions. DO NOT work with them if you can help it.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I investigated my credit report, I found out that some of the information was erroneous. XXXX and TransUnion credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), kindly investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX XXXXXXXX Balance : {$640.00} ; XXXX XXXX XXXX XXXX Balance : {$31000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX XXXX : {$310.00}.
Product: Mortgage

XXXX XXXX of Finance America told my husband, XXXX XXXX and I that we were preapproved for a program that required no down payment and was 100 % financed. She put our information through the automated system and said we were approved in XX/XX/XXXX. We assumed we were set with financing so in the spring we paid {$3700.00} in deposits for upgrades to a condo under construction. When we went to secure financing in XX/XX/XXXX for our early XX/XX/XXXX close date we were told we did n't qualify for financing and were abruptly dismissed. We have been homeless for 2 months and are currently out of {$3700.00} in deposits to the builder who refuses to refund us. We never would have paid the deposits if we did n't think financing was guaranteed. We also just found out in the preapproval letter she only wrote in conventional loan which we knew was NEVER an option.
Product: Checking or savings account

A bank representative from Washington Federal Bank emailed me a form with my social security number prefilled without encrypting the email. When I complained to the bank, no resolution was offered as far as credit monitoring as they compromised my SPI.