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

XXXX XXXX is reporting an account to my consumer report that they no longer own and the debt has been paid to the collection agency XXXX in which is the new debt owner I have including documentation that this debt has been paid to XXXX and that XXXX XXXX should no longer be reporting
Product: Credit reporting or other personal consumer reports

I have disputed a collection from XXXXXXXX XXXX XXXX XXXXXXXX multiple times as this is an unverified account. Transunion failed to thoroughly investigate the dispute reported. Transunion failed to provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am one of the 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax. 

I am listed as a potential victim according to their equifaxsecurity2017.com website.
They have mishandled my information, which puts me many other people at risk, and I would like a resolution.
Product: Credit reporting or other personal consumer reports

I have called and sent letters that they are in violation of 15 U.S. Code 1681a - Definitions ; rules of construction ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

I made myself clear about what i was disputing, they gave no proof and the disputes are not done on the CFPB website but the direct companies closed the disputes on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since Im a XXXXt for research, I found that under section 605b of the FCRA you are required by law to eliminate & block any accounts or information which is found to be opened due to identity theft. The disputed item does not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the account below : XXXX XXXX
Product: Mortgage

On XX/XX/2019 during a phone conversation with FHA representative the Real Estate Settlement Procedures Act was brought to my attention. Specifically, that all borrowers are entitled to an itemized statements of actual settlement costs. The one I received is for lack of a better word a joke. ( See Attachment # 1 ). I contacted escrow/title officer XXXX XXXX at XXXX XXXX XXXX via email and requested she give me an itemized settlement showing who was paid and how much and was was paid from cash to close and what was to be paid from the loan amount. She directed me to contact the servicer.
Product: Debt collection

I sent a registered letter on about XX/XX/2018 to the company, to validate the debt and send me a copy of the validation of the debt with the company which they did not do.
Product: Credit reporting or other personal consumer reports

My husband ( divorce pending ) opened XXXX fraudulent debts, consisting of a balance transfer/credit card and a personal loan opened solely in my name, without my knowledge or consent. My personal identification information was used to apply/transfer these debts without my knowledge. This occurred within days ( approx. XX/XX/year> ) of notifying him of my intent to separate. I was not made aware of these fraudulent balances until I ran a credit report ( XX/XX/year> ) The open loan balance was not authorized by me and I did not receive, utilize, or benefit from the loan funds. My husband also authorized a balance transfer from one of his other credit cards to a XXXX card in my name without my authorization. The balance transferred to this card does not belong to me and is not the result of a debt of mine. I did not receive funds, utilize, or benefit from either of these debts, which was done without my knowledge or consent. 

I have routinely contacted XXXX XXXX  to investigate and reverse these open balances. The process has been overly arduous and they are unwilling to provide key information including the mailing address for the fraud claim filing. The loan was applied for online without any identity verification process and XXXX has not been willing to share a copy of the original application. They have been resistant to help generally. XXXX is refusing to investigate further despite the information I have provided and their own lack of proper fraud prevention protocols.
Product: Mortgage

My mortgage was transferred from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) to Select Portfolio Servicing as of XXXX. Property taxes were due to the XXXX XXXX XXXXXXXX  XXXX on XXXXXXXX 
- XXXXXXXX  : knowing that SPS had not yet paid my real estate taxes, I notified them of the omission. 
XXXX XXXX  : I paid my taxes myself and submitted the receipt from the XXXX XXXX XXXX XXXXXXXX tax assessor to SPS - XXXX : I spoke to XXXX, a customer service representative from SPS, to request a escrow refund to reimburse me for the taxes I paid. She told me that everything would be resolved by XXXX. I received no further communications from SPS. 
- XXXXXXXX  : I spoke to XXXX, another customer service representative from SPS, to request a escrow refund to reimburse me for the taxes I paid. XXXX assured me that she would research the issue and to call be back by XXXX. I never heard from XXXX nor did I receive an escrow refund from SPS.
Product: Debt collection

I have reached out this company countless times explaining that this bill has discrepancy and also does not belongs to me. They have yet to provide any documentation or information to guide me in the direction to have this removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX Reason : Unverified account Account Name XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

I over paid my Macy 's payment due in XXXX. Therefore, I should not have had a payment for XX/XX/2022. They reported me as delinquent and as missing a payment. I have paid the account off on XXXX XX/XX/2022 of XXXX. 

They are reporting me inaccurately and refused to change the account. I have filed multiple complaints with XXXX, XXXX and XXXX. I also contacted Macy/s regarding the missed payment. 

I told them I overpaid for XXXX and I should not have had a payment for XX/XX/2022. They reported me as missing a payment. 

The account has been paid in Full for XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My wife and I are attempting to buy our first home. The house has solar panels on top, which are financed by previous owners through Mosaic , Inc. We reached out to Mosaic , Inc. , who told us to apply for the loan at a given link. The link asked us for only the most cursory information - name, birthdate, mailing address. It told us instantaneously that we had been denied, telling me that I had " Insufficient revolving credit limits Insufficient reported estimated monthly income Insufficient asset stability based on estimated home value '' - none of which apply to me. I don't have a credit card, I make annually more than XXXX the amount of the loan, and I don't own a home. We reached out to the company to investigate and after hours on the phone with multiple representatives, we were told that they could do a " manual review '', and that we could provide supporting documents disputing their claims - although, I worry it would be impossible to prove a negative, or prove that my finances were " sufficient '' given that I don't know what metrics they're using to determine sufficiency. Despite this, when we replied to their email to ask what sort of documents they sought, we never received a reply. We had been told we'd hear back within 7-15 days. Within that timeline, I reached back out because we're on a tight timeline to buy this house. They informed me that they'd completed the manual review, and that we'd been denied again, despite never asking us for any supporting documents. Again, we insisted that they review it, and they instead told us that we could accept any of the following options : " The options are as follows : 1. The potential buyer will need to wait 30 days after the first denied application to re-try 2. The potential buyer can dispute the credit denial with the credit bureau to have any disputes removed 3. Adding a new applicant who will be on title to assume the loan 4. The loan can be paid in full by the seller/ buyer. '' None of these are acceptable. ( 1 ) We can not abide by this timeline - the housing market moves too fast for this. Additionally, given our repeated denials, it seems unlikely we would have a different result. ( 2 ) We have attempted to contact the credit bureau, but no such avenue seems to exist. ( 3 ) We can not add another person to the title of our home, and even if we could, Mosaic will not allow us to add even our own spouse to the loan application, insisting that since we are assuming someone else 's loan, it must be written to only one sole person. ( 4 ) We believe this company to be scammers, so we would be foolish to send them the full amount of money. 

We have also been told that the employees can not tell us the name of their alleged computerized system that pulls credit reports and denies us instantaneously, and that they're not allowed to tell us why they're not allowed to tell us. We strongly suspect no such computer program exists - the scam is only to get people to pay off the loan in full, given that the loan is currently XXXX percentage points below the current market interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America closed my account and took my money due to checking account fraud. I was a victim of Identity theft. Someone opened an account at XXXX XXXX and apparently did fraudulent transaction. My XXXX XXXX XXXX report said the accident took place on XX/XX/2022. So Bank of America closed my account and refused to give me my money back. Unless the XXXX XXXX recall the a wire that came from now closed checking account. I closed my XXXX XXXX account because someone hacked my account. XXXX XXXX told me to withdraw my money and thats what I did. I wired the money to Bank of America but they froze my account and took my money. I already disputed the fraudulent account with XXXX XXXX. XXXX XXXX said they couldnt recall the wire because it wasnt fraudulent and the account is closed. Now I cant open a checking account anywhere due to Bank of America false accusation. I have the voice recording and emails from both banks stating what I just mentioned. Its been over 3 months. Bank of America is giving me the runaround. The enterprise complaint would called me after hours so I couldnt call back. They dont reply to voicemails nor emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and TRANSUNION are reporting a charge off for XXXX CO XXXX Charge offs are income and may not be reported on a consumer report. I have not received a XXXX. This account report shall immediately be deleted from all consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it my concern, I have several inaccurate names on my credit file the do not belong to me and need to be corrected. My name is XXXX XXXX XXXX please delete remove any and ALL variations abbreviations or likeness to my name. 
I need the following fraudulent address removed from my credit report. they are not accurate. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX- XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX  XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , OK XXXX
Product: Credit reporting or other personal consumer reports

I have listed in the attachments how the reporting of this information is not fair and accurate. It violates of Fair reporting Act. You also stated this information was fair and accurate. The dates dont match. it's not reporting on all reports. This information is not correct and should be removed asap. Here are the accounts that need to be removed. XXXX. account number XXXX. date open XXXX XXXX  XXXX XXXX Account number XXXX. date opened XX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified, please correct status or delete them from the credit file : ACCOUNTS XXXX  XXXX XXXX wrong status XXXX  XXXX XXXX wrong status XXXX/XXXX  XXXX wrong status INQUIRIES XXXX XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX/XXXX  XX/XX/2018 unauthorized XXXX/XXXX  XX/XX/2018 unauthorized XXXX  XX/XX/2018 unauthorized CAP XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX/XXXX  XX/XX/2018 unauthorized Identification already on file, please notice your internal notes. Please send a complete updated copy of the credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts DEPT OF ED / XXXX ( Open Date ; XX/XX/XXXX, Balance {$4100.00} ), DEPT OF ED / XXXX ( Open Date : XX/XX/XXXX, Balance {$2100.00} ), DEPT OF ED / XXXX ( Open Date : XX/XX/XXXX, Balance {$2200.00} ), DEPT OF ED / XXXX ( Open Date : XX/XX/XXXX, Balance {$610.00} ), DEPT OF ED / XXXX ( Open Date : XX/XX/XXXX, Balance {$2900.00} ), DEPT OF ED / XXXX ( Open Date : XX/XX/XXXX, Balance {$700.00} ), XXXX - XXXXXXXX XXXX ( Open Date XX/XX/XXXX Balance {$1600.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

My complaint is that XXXX XXXX XXXX who is a third party vendor associated with XXXX XXXX XXXX XXXX never sent me an invoice to pay the original {$100.00} that I owed for my daughter. I didn't know I owed them {$100.00} from XX/XX/year> until I received a text message from them on XX/XX/XXXX at XXXX. This is a very weird way to communicate with someone as we get so many spam messages now days. Also, the collections doesn't even tell you who its for. I am also responsible for myself, my kids, and my father. So this could have been for any of them. It would be important that they list who the patient is. 

I never received the original bill from XXXX XXXX XXXX for the {$100.00} that was owed. If I would have received it, I would have paid it like I did in the past. I am upset that they sent me to collections for {$100.00} without sending me several invoices to my home first. They have billed me before for other services used at the hospital and I paid them before. Don't understand why they couldn't just resend the invoice a couple to a few times before sending me to collections. If my credit has been affected I would like to see legal counsel for this since I never received the bill. I have paid the Gulf Coast Collection Bureau Inc. to avoid my credit from being impacted per Gulf Coast Collection Bureau says it hasn't but I will be checking my credit in the next for weeks. Please review this companies practices.
Product: Credit reporting or other personal consumer reports

This is my 5th attempt requesting the removal of inquiry that I did not authorize To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my ( name of the credit bureauXXXX XXXX and/or TransUnion ) credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize. 15 usc 1681 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

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

In XXXX with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Debt collection

There were 2 open accounts, 1 for around 2000 and 1 for XXXX, both accounts were same hospital visit. The hospital visit was due to getting physically attacked. Now I had and have medical, always have and XXXX is my insurance provider and I will have to call but i can get proof of that. Also why would they not have to cover only the small XXXX amount and not the 2000 amount when it was the same visit, im not even sure why the amounts were split up but regardless it was covered by my insurance and i should not have to pay that.