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

Today, Thursday, XX/XX/2020, I called and spoke to XXXX, ID XXXX, who verbally stated, " We do not have an original contract, proof of your signature, or a recording or you by audio or video to send to you. All of our applications are done online. '' I asked if she can send me a screen shot of an online application. Again, she verified, " I can not. '' She then went on to say the debt has been sold to XXXX XXXX and I can reach them at XXXX. COMPANY REFUSES AND CAN NOT SEND ME DOCUMENTS REQUESTED : ORIGINAL CONTRACT, PROOF OF PHYSICAL SIGNATURE, RECORDING BY AUDIO OR PHONE OF ME ASKING FOR A LINE OF CREDIT. 

1. This account can not be verified or validated that it is mine.

2. This account is not mine and was never opened by me.

3. This account has been sold with no proof it belongs to me.

4. Information on my reports in hereby not 100 % accurate and truthful so it can not be there.

5. Account was charged off and no longer owned by Milestone 6. Multiple names used for company : TBOM/Milestone, letter head GENESIS FS CARD SERVICES. 
7. Wrong information given in their letter, attached. Says to call XXXX and then get told to call XXXX. 

Many laws are broken here. FCRA AND FDCPA and I can sue them for damages of {$1000.00} per reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered a recurring monthly charge on my credit card for Experian on XX/XX/2018, and again on XX/XX/2018. I did not authorize this charge and have no information regarding it. I have tried to contact Experian to dispute/cancel the charge and I am unable to contact a live body. When I enter the requested information, the automated system says it does not recognize me and hangs up. I have checked all options on the website and get directed back to the same phone number. My credit card company is disputing the charges on my behalf, but the only way I am able to cancel the recurring charge is to have a new credit card issued with a different number which I now have to contact all of my other vendors. This is extremely frustrating and wrong. I want to do what I can on my end to ensure that Experian offers the ability for someone to talk to a customer service representative about issues.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX410.00} WHILE TRYING TO PURCHASE MY FIRST HOME I REALIZED I HAD DAMAGES ON MY CREDIT REPORT. ACCORDING TO THE 15 U.S.C. 1681 LAW, THERE SHOULD NOT BE ANY DAMAGES ON MY CREDIT REPORT. IT IS A DEFAMATION OF CHARACTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I forwarded a letter to the Experian and XXXX dated XX/XX/2022 to erase this suspicious information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX, and I'm including it again. XXXX XXXX XXXX : {$9100.00}
Product: Credit card

pay pal has put a charge back on my account and will not re move it even, when the card company paid the charge ( has been given conformation number several times ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Reporting is failing maintain consumer 's credit file with due diligence as prescribed within FCRA. 

( 1 ) Failure to remove Inquiries timely ( 2 ) Conducting fraudulent investigations ( 3 ) Failing to give consumers access to their credit file ( 4 ) Prejudicing consumer by reporting of what is known or should be know by Equifax as misrepresented information ( 5 ) Requiring information of Consumer 's Financial information that causes Consumer to be open to identity theft ( 6 ) Unable to get contact representatives in correction of file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my purse lost a few years back and now I'm seeing things on my credit report that does not belong to me.. 
Each account is showing up as inquries and or closed 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 XXXX1
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Experian regarding an unresolved issue with my credit report. Recently, I disputed a collection item that was inaccurately reported, providing detailed evidence to support my claim. Despite my efforts, Experian failed to conduct a reasonable investigation into the matter. I received a generic response indicating that the item had been updated, without any substantive explanation or consideration. Furthermore, Experian refused to remove the collection from my credit report, which continues to negatively impact my credit score and financial well-being. This lack of diligence in addressing my dispute not only violates my rights under the Fair Credit Reporting Act but also undermines the integrity of their reporting practices. I kindly urge the CFPB to intervene and ensure a thorough re-evaluation of this matter.

Account Name : XXXX XXXX XXXX Thank you for your assistance.
Product: Checking or savings account

My issues are as follows : XXXX. PNC refused to give me any of my money back from fraudulent and wrongful charges. They refused to honor the dispute process. 
XXXX. They gave me wrong account information and refused to give me the correct information. 
XXXX. They locked my online account access and changed my account settings without my knowledge or permission and when i called to get this issue straightened out they pretended to not know what went wrong or who made the errors. 
XXXX. When I filed disputes with pnc directly they had me redoing the process for some of the charges and the rest they were ignoring and refusing to address. 
XXXX. They closed my account without my knowledge or permission. 
XXXX. Amount owed to me overall in total exceeds {$20000.00} USD
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I have noticed several accounts listed on my credit report that I believe do not belong to me. I am certain that I am not responsible for these debts and suspect there may be an error or even potential identity theft involved. I have already contacted the creditors directly to dispute these accounts, but I have not received adequate proof or resolution. I have also requested documentation and filed a dispute with the credit agencies, but the issue remains unresolved.
Product: Vehicle loan or lease

They denied a car refinance stating that the title said it was a salvage. The title is not salvage, they misread it or did not understand how to read the title. When they spoke on the phone the agent did not give me a chance to look at the title or dispute her false claim. I am unable to get through their automated service line to speak to a representative since they already canceled the application. I am going with a company with a lower rate now, but they need to train their employees on how to properly read a title before denying it on a falsehood, and be able to contact customer service not just an automatic disconnect from an automated line.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that XXXX XXXX  supplied to Experian, XXXX, and XXXX. I have circled the items I dispute on the attached copy of my credit reports. 

This item credit card account with XXXXXXXX XXXX ending in XXXX is inaccurate because Im NOT 30 days late for the month of XX/XX/2022, when they reported this action on XX/XX/2022. 

Also, Federal Laws ( FCRA ) prohibit your company from reporting any derogatory actions while Im disputing this account with your company. Therefore, I am requesting that XXXXXXXX XXXXXXXX have this item removed/deleted for my credit report with all three bureaus above. 

Enclosed are copies of my credit reports and the disputed correspondence mailed to XXXX XXXX to provide proof that I owe the current amount on this account. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed item as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with Equifax detailing that an account from XXXX XXXX  On XX/XX/2020 confirmation number : XXXX It found the account was not mine and said it will delete this didnt happen
Product: Debt collection

About a month ago, NCB management was repeatedly calling my work, when I finally talked to XXXX XXXX ( sp? ) I told her that they can not call on my work phone number due to our phone policy. Today ( XX/XX/18 ) I received another call from XXXX XXXX and she said she has no record of that conversation. I have also sent them two emails stating in writing that they can not call my work. I'm at a loss for what to do to stop the harassment so I wanted to file a complaint here to have it legally documented that they are breaking the law and continue to harass me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings that zelle has not only neglected to protect consumers, but has also let repeat offenders exploit the system leaving userss vulnerable to scam. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX  XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I submitted a request to XXXX for them to update and investigate inaccurate information from IC Systems that is reporting an account on my file that is from an account that I never opened with XXXX XXXX XXXX. They have been unable to send a contract from the original creditor showing the account is accurate and valid, while Transunion is completing their investigation after only 7 days. This shows that XXXX  is violating the 30 day rule and are siding with the debt collector without doing the proper investigation to verify the accuracy of this account on my credit report, due to this fallacy I ask that this account be removed from my credit report and for my information to be updated. If not then I have no problem with taking my case to an attorney for advice on this matter
Product: Debt collection

Portfolio Recovery responded to my last cfpb complaint that they were closing 3 accounts..they only had three accounts in my name, two with XXXX and one with XXXX XXXX. Apparently portfolio figured they could pull a fast one on me and provide cfpb with false information about the last 4 of the account numbers. To this day they still have the account with XXXX XXXX opened and stil reporting although they said they would close and request deletion. They have yet to respond to my last complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXXXXXX XXXX XXXX  RE : Follow up Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report your bureau maintains on XX/XX/XXXX. I received a response stating that the account ( s ) were verified on XXXX 

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

These accounts I am demanding your PROOF, you legally HAVE to provide to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Per the FCRA you are required to provide this information to me within 15 days or you are to delete the negative items from my credit report. 
You have failed to provide any PROOF of validation to me. 


Best Regards, XXXX XXXX
Product: Bank account or service

I confronted TDbank in XXXX ma. I explained that our accountant XXXX XXXX was in our opinion had stolen the funds from our lottery ticket for XXXX dollars. XXXX XXXX XXXX XXXX XXXX XXXX ma, has been charged and convicted .we had our house broken into all files stolen.police report filed .i closed this account and I have never received any paperwork on this account as we closed it and now XXXX tells me I owe this bank XXXX I owe nothing and this is interfering with me obtaining a proper safe home for myself and my XXXX child this account reports closure status unknown and a report date of XXXX/XXXX/12 I am still at the same address as i was and no checks ever got ordered to this account .TD bank needs to fix this
Product: Credit reporting, credit repair services, or other personal consumer reports

it's me XXXX XXXX XXXX i don't really know where this consumer come from i just went to applied XXXX foods delivery then i got this, if i know it won't happen it anyway, can you guys help me with that my email is XXXX XXXX
Product: Mortgage

I contacted Rocket Mortgage on XX/XX/2023 to discuss the Annual PMI Disclosure I received in the mail regarding my mortgage. I called to discuss the requirements needed for us to have the PMI removed from our loan since I believed we met the requirements as we, " had the mortgage for at least XXXX years and had a good payment history for the last 2 years. '' The original person I spoke to informed me that we did not meet the requirements to have our PMI removed but could not explain why we did not meet the requirements of the disclosure, nor could they explain which specific numbers they were using to calculate the XXXX value needed so that we could track our progress towards meeting the XXXX value needed to have the PMI removed. My call was then escalated to XXXX XXXX XXXXXXXX, XXXX XXXX, who got abrasive with me and also could not give specifics on the numbers used to calculate the XXXX and now came up with a 75 % XXXX ratio requirement vice the 80 % requirement in the provided disclosure and could not explain why this stricter requirement was required, nor could he provide any written documentation to validate the requirements. He directed that an appraisal would be required to be performed at our expense to validate that our property value increased to meet the XXXX requirements. 
We ordered an appraisal and contacted Rocket Mortgage on XX/XX/2023 to submit the results to have our PMI removed, however, we were told that an appraisal was not needed as we had met the requirements to have the PMI removed already and that it was removed at that time. I then requested reimbursement for the appraisal since I was told it was needed initially and I was once again contacted by XXXX XXXX on XX/XX/2023 who once again got abrasive with me and recounted that he earlier stated the need for an appraisal and informed me that there would be no reimbursement. I then submitted a complaint email against XXXX XXXX which unethically went to him to resolve. I then contacted XXXX XXXX 's supervisor Servicing Team Leader, XXXX XXXX via email on XX/XX/2023 requesting a call back. 
XXXX called back later on XX/XX/2023, but provided no clarification on why my initial contact concerning PMI removal requirements with her subordinate, XXXX XXXX, were not met nor provided no additional clarification on why the extenuating circumstances required for PMI removal were never discussed which resulted in me unnecessarily ordering an appraisal which I was led to believe was needed by XXXX XXXX based on our XX/XX/2023 conversation. She also showed no concern on how abrasive and unprofessional XXXX XXXX was in dealing with me in both conversations concerning PMI removal on XX/XX/2023 and XX/XX/2023, as his supervisor, even after assuring me she had heard the recorded phone conversations. She could also not explain to me how an email concerning a complaint against XXXX XXXX was unethically sent to him to respond to, vice going to a supervisor or third-party member.
Product: Credit reporting or other personal consumer reports

Good afternoon. My name is XXXX XXXX. I am not getting anywhere near a perfect credit score I deserve. I should essentially have a perfect credit score! I am XXXX XXXX XXXX and never late on any payment in my life. 100 % on time payment but yet my score horrible XXXX. It has cost me so much. Not only has this failure of give the proper scoring has hurt me not only money wise but mentally and emotionally too. I have worked so hard to be 100 % on time and never ever late payments in XXXX years of my life. Experian is not accurate and doesn't give the proper score. I am having a really hard time with experian not reporting right information and score. This is totally unfair and is really frustrating to say the least. The worst part of it all is that I tried XXXX phone numbers to talk to a person and they don't allow you to talk to anybody and it hangs up on me. For something that impacts everything like my credit score. We should be able to talk to a person in the company considering everything the company report accurate or inaccurate reporting. They hold my financial life and future in Experians hands. Please help me please. Thank you for your time and consideration in this matter. 

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

In accordance with the Fair Credit Reporting act, the below Accounts have XXXX XXXX  Account # Account name Account # has violated my rights. XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Accouont # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account witout my written instructions.
Product: Credit reporting or other personal consumer reports

GAVE NOTICE ON IXX/XX/2023 AFTER NO RESPONSE A FOLLOW UP LETTER WAS SENT XX/XX/2023 DEMAND COMPANY TO CEASE AND DESIST FROM COMMUNICATING AND REPORTING OF INACCURATE, FALSE AND MISLEADING INFORMATION ABOUT ME AS IT RELATES TO AMOUNT OWED OF ALLEGED DEBT AND INACCURATE REPORTING OF LATE PAYMENT ( S ) TO CREDIT REPORTING AGENCIES PURSUANT TO 15 U.S. CODE 1681b2.

ALSO REQUESTED THAT SAID COMPANY VALIDATE ALLEGED DEBT. AS OF DATE COMPANY HAS REFUSED TO COMPLY WITH REQUEST / DEMAND
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX, synroncy bank and XXXX  on my XXXX and XXXX  delete, no written signatures.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor advises account was reported to credit bureaus as of XX/XX/XXXX. However based on the conversations i've had with XXXX, Transunion and XXXX, account never reported to any credit bureaus. 

On XX/XX/XXXX I contacted XXXX XXXX XXXX and spoke to Senior Account Specialist XXXX XXXX. Specialist advised account was reported to bureaus and was the responsibility of the credit bureaus to report account.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.