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

n 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. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : The XXXX XXXX : # XXXX XXXX # 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 1681i ( 5 ) they are supposed 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. Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

A posted Judgment filed on XXXX in the amount {$1200.00} for apt XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX stated there was mix up due someone living with my same name. XXXX. Vendor info- LexisNexis XXXX XXXX XXXX XXXX XXXX ... I also called XXXX XXXX where case # XXXX XXXX Texas they said I needed to get with the apt complex. It was filed on XXXX. During all this time supposedly I lived there, I lived at XXXX XXXX XXXX XXXX XXXX.
Product: Credit card

Recently Bank of America reported account # XXXX to my credit report as a negative around XX/XX/XXXX with an open date of XX/XX/XXXX. At the time this account was opened I was a student in XXXX. I was not legally able to open debt at the time. I have never opened up a credit card with Bank of America. This account is not mine and I strongly believe is being reported in error.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Violation of Compliance Procedures/ Violation of Disputed Accuracy. 

Dear TransUnion, You stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date of last activities is inaccurate and the date last reported is not accurate and the accounts still contain missing information. 

This is a violation of 15 U.S.C. 1681e ( b ) ( Accuracy of Report ) and 15 U.S.C 1681i ( XXXX in XXXX of XXXX XXXX ). The following account is still not being reported accurately, I request that the following account be removed immediately : 1 ) Account Name : XXXX/Account XXXX The Date of last activity is incorrect, the date reported is inaccurate and the date of last payment is reporting incorrectly. 

XXXX ) Account XXXX : XXXX Account XXXX The date reported is inaccurate, the date reported is not correct and contains missing information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage through XXXX. I am not late on this account and never have been. Loan origination date is XX/XX/XXXX. I filed bankruptcy a few years ago and it was discharged in XX/XX/XXXX. 

When the bankruptcy was discharged, XXXX stopped reporting my payments on the mortgage to the credit bureaus and has set the status of the mortgage account to closed. Consequently, I am not getting 'credited ' on my FICA score because this account shows as closed rather than being open, current, and never late. 

I've tried to get XXXX to report this mortgage to the credit bureaus and they have refused. I've asked several times, written them three times, my bankruptcy attorney provided documentation to XXXX about the discharge and yet, XXXX continues to refuse to report this activity. 

This is creating obvious issues with FICA scores as well as ongoing finance health. 

I've attached copies of the discharge from XX/XX/XXXX and the latest mortgage loan statement. 

Can something be done about this?
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX {$750.00} Cainer Weiner ( XXXX  ) XXXX  {$450.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX acct # XXXX {$570.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX acct # XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX ) acct # XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX7.00} XXXX XXXX ACCT # XXXX {$790.00} XXXX XXXX XXXX  # XXXX {$470.00} XXXXXXXX XXXX XXXX  XXXX {$0.00} ALL OF THESE COMPANIES ABOVE HAVE FALSELY TRIED TO GET MONEY OUT OF ME FOR THESE ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

ABR Recovery continues to report false information on my credit report. They claim I owe them on an account that I had previously paid with another creditor. 

I have tired of this company continually violating my rights under the FCRA. I have disputed this account at least 5 times with XXXX since XXXX. XXXX states that ABR Recovery Services continues to submit this information. 

I have submitted multiple complaints concerning this issue on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

This false report has cause my credit score to decrease and has affected my ability to gain credit. How many times will this fraudulent activity continue to be allowed?
Product: Money transfer, virtual currency, or money service

In PayPal 's response to my previous complaint, they claim to have correctly debited my PayPal account. This is absurd and PayPal is acting illegally to defund me. No additional refund has been posted to my account. Additionally, after speaking with a PayPal representative yesterday, she stated PayPal would conduct a further investigation into this issue. Yet, the CFPB response from PayPal stated the case was closed against me. 

On XX/XX/23, a {$220.00} purchase was made online from XXXX through my PayPal account using my XXXX credit card. I returned this purchase within the refund terms and conditions of XXXX and was provided a refund on XXXX Credit Card for {$220.00} ( the full amount ) in XXXX separate refund transactions : {$25.00} and {$190.00}. On XX/XX/23, I received an email from PayPal indicating that {$220.00} was being debited from my PayPal account " Because you received duplicate refunds for the same transaction, we have debited {$220.00} USD from your PayPal account. '' As noted above, I only received XXXX refund for {$220.00}. On a side note, I wasn't even aware a Dispute was logged with PayPal, let alone that anything was being investigated. PayPal 's Dispute ID : XXXX I attempted contacting/calling PayPal on XX/XX/23 at XXXX, was left on hold for almost an hour and was ultimately unable to resolve the issue. Essentially what PayPal is arguing is 1 ) I bought the item, 2 ) I returned the item, 3 ) I received one refund, 4 ) now I'm being charged for the item that was returned and I received one refund for. Make sense? This issue reeks of fraudulent business practices on the part of PayPal. I will say this, I see no reason to use PayPal in the future for any transactions.
Product: Credit card

On XX/XX/XXXX I got an offer from American Express to open an American Express XXXX XXXX XXXX that would earn me XXXX bonus points when I spent {$20000.00}. I had a big purchase coming up, which would allow me to earn the XXXX so I applied for the welcome offer. After filling out my details, there was a pop up screen that informed me that I do not qualify for the XXXX bonus offer so I didnt proceed with the application because Im not going to open a credit card with a {$690.00} annual fee if I dont get a bonus offer. 

The next day, XX/XX/XXXX, I was once again researching credit cards to open and I was given an offer from American Express XXXX XXXX XXXX  that would earn me XXXX bonus points when I spent {$15000.00} ( in the offer attached it now says {$20000.00} ). This was a different and lower option than I was originally presented with so I thought I might qualify. Once again I filled out the initial inquiry and was told that I qualified for the XXXX bonus offer! I completed my application and received my credit card a few days later. As soon as I received my card I completed my big purchase of {$15000.00}. 

Normally on my account there would be a section that states that I completed {$15000.00} to qualify for my bonus offer, but I didnt see any mention of the bonus offer on my account. I called Amex and they said that I didnt qualify for the bonus offer. I told them that I definitely did qualify and I would have never opened this credit card if that was not the case. I submitted an appeal to their legal department on XX/XX/XXXX. I didnt hear back from them so I called Amex on XX/XX/XXXX and asked if they were able to add my bonus offer. The customer service representative said that I didnt qualify for the offer and received a pop-up saying I didnt qualify. I told her that I didnt qualify for the XXXX offer, but that I definitely qualified for the XXXX offer. 

They would not honor my offer so I called the vendor to try to cancel the {$15000.00} charge so that I could cancel my credit card, but they said they would have to charge me a {$450.00} processing fee to cancel it, which I obviously dont want to do. 

I am stuck in a tough position because I would have never opened this credit card if I wasnt qualified for the bonus offer of XXXX points. Ive spent several hours now calling Amex and various other places trying to get this worked out because it feels like American Express is trying to scam me. A business can not lure someone in with a bonus offer worth $ XXXX and then deny that offer once Ive already made {$15000.00} worth of purchases. It seems like a scam by American Express. Since I can no longer cancel the charges without paying a large fee, I would like my XXXX bonus offer that I was approved for to be honored and added to my account. Thank you.
Product: Mortgage

I refinanced my home on XX/XX/XXXX. I called Pennymac on XX/XX/XXXX to ask when I should receive my final payment and was told that my account was reviewed on XX/XX/XXXX and that I should receive my check 5 to 10 business days after that. I called back on XX/XX/XXXX to ask why I had not received my final payment and wasnt really given an answer, but told that my check would be overnighted to me. I called again on XX/XX/XXXX because I still have not received my final payment and was told again that the check had not been processed but would be processed on XX/XX/XXXX and I would receive the check by XX/XX/XXXX. This is well past the 20 days Pennymac had to send the check and I still have not received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these items they are not mine and I need them removed now. I have excellent credit but this company is reporting false information on my credit and won't remove it. The companies that I am requesting to be removed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I NEED THESE ACCOUNTS REMOVED IMMEDIATELY. These are not my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Latest dispute date : XX/XX/21 and results on XXXX account has been disputed several times ; the disputes are investigated with results stating that information is accurate and that Ive agreed to these terms. That is incorrect, I do not agree. All other student loans I had between XXXX were closed. This is the only one that keeps XXXX  me. Furthermore, the government has forgiven student loans ; During the pandemic, the government has stopped payments ( including interest ) on student loans till XX/XX/21. Please have this investigated and removed from my name. Thank you.
Product: Debt collection

I have received several texts to my personal cellphone from XXXX  When I reached back out to them they require my personal information ( address, ss #, DOB ) which I don't provide via phone to unknown sources. The last agent sent me a pin number that satisfied her and she told me that I owed XXXX XXXX a debt for an unpaid period of coverage. I previously had XXXX XXXX for auto coverage but changed agencies nearly two weeks prior to the period indicated. The representative required me to provide them my declaration page showing my new coverage dates. I did so. 

I am still receiving texts and a demand to pay this debt that I do not owe. Georgia is a mandatory insurance state and my continued coverage is available but through documentation and Georgia XXXX XXXX XXXX XXXX. I attempted to contact them back today and the person would not speak without my personal information. I do not owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 XXXX XXXX with whom me and my husband had a joint loan for XXXX XXXX XXXX paid the pain in the mail, the check wasnt received. We found out next month the payment hadnt been received, made a double payment. XXXX removed the late charge and said they would remove the 30 day late on our credit report but since have not done so. My husband and I have called them and sent many letters. We feel XXXX is acting unreasonable in the situation since we had great payments before and after that event. Always paying online now. We also opened a new loan with them in XXXX. The mark of 30 days late on our credit is very damaging and need some help. 

Thank you
Product: Payday loan, title loan, or personal loan

Early XXXX was advised to payoff and close the account I needed to {$510.00} by XX/XX/2020. I paid {$510.00} on XX/XX/2020. I was advised it would take 30days for the account to closed out and letter me advised balance paid in full. I started receiving calls early XXXX about a remaining balance of {$140.00}. I spoke a supervisor who assured it would be handled. XX/XX/2020, I received another call for the company and they said I owed {$180.00}. I spoke a lead and a supervisor and was told payment had been processed incorrectly on XX/XX/2020. They said would investigate again. Today XX/XX/2020, I received an alert from the credit that Conns reported that I owed them a balance. My credit was decreased over 30 points overnight. Conns has illegally reported inaccurate charges on my account and caused my credit to decrease. This could impact my other credit accounts. 

Conns Credit Company has failed to handle the dispute.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, and I've only been in the XXXX for XXXX months. Currently, I'm focused on building my credit, and my only application so far has been with XXXXXXXX XXXX, where I successfully obtained a card. While I await my XXXX XXXX  through the adjustment of status process, I've been bombarded with numerous hard inquiry alerts, which has left me feeling XXXX Being new to the XXXX XXXX  and without an XXXX XXXX yet, I lack the knowledge to effectively manage and protect my credit profile. A neighbor suggested I seek help through this portal by filing a complaint, as I suspect identity theft might be at play. As I navigate this new environment, I'm realizing the vast differences between XXXX and XXXX, and I'm in desperate need of guidance. Could someone please assist me? I'm uncertain about how this site operates, but I'm requesting an investigation into these potentially erroneous accounts and urging for their deletion if they are indeed fraudulent.
Product: Credit reporting or other personal consumer reports

I discovered multiple inaccuracies on my Equifax credit report that have negatively affected my creditworthiness, access to credit, employment, and housing. These inaccuracies persist despite my previous attempts to dispute them. As a victim of both the Equifax data breach and the XXXX data breach, my personal information has been exposed, further compounding these issues. I also believe Equifax is engaging in practices similar to those highlighted in the CFPB 's lawsuit against XXXX for sham dispute investigations, violating 15 U.S. Code 1691b.
Product: Debt collection

I have continued to receive notifications and letters in the mail from this company in regards to a debt which I do not owe. I have to date sent 3 notifications of cease and desist and also stating that I dispute the merit and validity of the debt they are attempting to collect. They decided to send three letters on the same date XX/XX/2023 in response to my XX/XX/XXXX notification of cease and desist. I received another today dated on XX/XX/XXXX and sent a 3rd notice. 

What they are sending as debt validation is something that they created and it is documented on that letter.
Product: Debt collection

On XX/XX/XXXX, I, received a phone call and email from National Credit Systems Inc. alleging that I owed a debt to my previous landlord ( Jade at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ) and they had been hired to collect it. This is blatantly false, as the amount that they have stated in their " debt collection '', is the exact amount I paid my ex landlord as my final payment, to the specific cent, on XX/XX/XXXX after I had already moved. 
To give some background and context, I vacated the XXXX per month apartment because it was flea infested. I had fleas biting my legs every time I stepped into the apartment in XXXX of XXXX. Because of the untreated fleas, I vacated the property and asked for a final payment as I would be breaking the lease and never returning to the apartment. XXXX at XXXX XXXX XXXX said the final payment was {$4700.00} ; even after not treating the fleas and the other horrible living experiences endured, I paid it, as I did not want to face any credit repercussions and just wanted the entire process to be over with. 
Here we are XXXX and a half months later and I received communications from this debt collector claiming I owe the exact amount of money that I had already paid Jade at XXXX XXXX XXXX. Immediately upon receiving the communications from National Credit Systems Inc. on XX/XX/XXXX, I replied with the proof of payment, ( a copy of the Cashier 's check, dated XX/XX/XXXX ), with a signature from the property XXXX on it. I also provided a XXXX internal document that shows they received and processed the Cashier 's check. Since sending the proof of payment, the debt collector has not rescinded the purported " debt collection '' notice and now they will not take any of my phone calls.

I believe my ex landlord and this debt collector are colluding to pursue a fraudulent purported debt from me. They are unaffected by the obvious proof and apparently think they can bully me into just paying them to make them go away. 
As of XX/XX/XXXX, according to XXXX, I have a credit score of XXXX. To have a fraudulent debt go on my credit record would be absolutely devastating, considering I've already paid the amount they are claiming is allegedly owed. ( {$4700.00}, which is quite a bit of money ). I'm reaching out for help because I have left the debt collector several voicemails and an email all of which have been ignored and the fraudulent debt collection remains in place. I believe that this company is engaging in improper debt collection in the State of Florida with no intention of doing the right thing. At this point I have no choice but to seek help to protect my credit.

Please contact me as soon as possible since the time period for remedying this situation is short before this false debt gets reported to the credit scoring agencies. 
I look forward to hearing from someone who can help very soon. 

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

On XX/XX/XXXX of this year I sent letters to Experian, XXXX  and XXXX  to look into an error on my credit report that shows I was 90 days late in XX/XX/XXXX. The reports does not say I was ( 60 days ) late in XX/XX/XXXX nor does it say ( 30 days ) late in XX/XX/XXXX. It is just marked as 90 days late in XX/XX/XXXX. I asked them to delete this error and was sent back a response they as " updated ''. nothing was changed or updated, that was just something they used to close dispute I supposed. 
I think it is very unfair to have them report want ever they chose and then state it was closed. Also, during this process of other accounts disputed there was an account deleted in XX/XX/XXXX then added back a month later without giving me proper notification on why this account was added. This goes against my rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear Experian and XXXX XXXX I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : * XXXX XXXX - XX/XX/2024XX/XX/year> - XXXX * XXXX XXXX - XX/XX/scrub>XX/XX/2024 - Experian * XXXX XXXX - XX/XX/2024 - Experian * XXXX  - XX/XX/year> - Experian * XXXX Card - XX/XX/2024 - Experian * XXXX - XX/XX/2024 - Experian * XXXX XXXX - XX/XX/2024 - Experian * XXXX XXXX XXXX - XX/XX/2024 - XXXX Under the Fair Credit Reporting Act ( FCRA ), 1 have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, remove the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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