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

My account was in deferment. Then I paid it ontime every month. I moved in XX/XX/2019 and didn't get the bill at the correct address. I realized this 10 day 's past my due date. I called and paid off the full {$600.00} balance and asked for it not to be reported late due to only being 10 days late. They stated ok. XXXX is showing that it was paid on time XX/XX/2019, paid on time XX/XX/2019, XXXX 60 days late, XXXX paid on time and closed in XXXX of XXXX. First how can you be 60 days late if you were never 30 days late. Each credit bureau reports different information. I have disputed 3 times with each credit bureau and called AES and nothing has been corrected. I'm trying to buy a home and my credit score is one point lower than it needs to be. Without this my score would be higher.
Product: Credit card

On XX/XX/year> ; I made a purchase of {$660.00} with a company called " XXXX '' using my Barclaycard Master 's Card to make the purchase. This company goes by the name of " XXXX XXXX '' in public. I originally found them on XXXX because they were advertising their services to people like me who are interested in making money through the XXXXXXXX XXXX. They claim that they can pass a XXXX XXXX XXXX  challenge for you and that " you will get a payout or your money back guaranteed. '' Yes, they passed the prop firm challenge for me as advertised with the prop firm of THEIR CHOOSING. They automatically chose a prop firm called " XXXX XXXX '' to pass the challenge with. XXXX then paid XXXX XXXX {$500.00} for the attempt at passing their prop firm challenge. They passed their challenge and XXXX XXXX quickly reimbursed XXXX the {$500.00} back for their winnings. ( See how this money just came right back to them. ) I was then allowed to trade on their platform. I quickly made about {$5000.00} in profits with XXXX XXXX after 21 days of trading with them myself. However, they never paid me the {$5000.00} that I had made in trading profits. Long story short ... XXXX is a SCAM COMPANY who is in league with XXXX XXXX to make quick profits from people and never give them their money back no matter how much I ask for it unfortunately. Please help me recover my {$660.00} back from Barclays Mastercard because I've already asked for a refund from the XXXX  company ( or " XXXX XXXX '' as they are publicly called ) and they won't refund me the money they owe me. The Barclaycard Disputing Department has already been through the disputing process and couldn't find enough " evidence '' to support my claims. ( Although they never even asked for additional evidence from me at all. Which they definitely should have done to begin with. ) Please help me get the justice I deserve from these nasty thieves and robbers! Thanks a million!
Product: Credit card

I have XXXX citibank credit cards. My simplicity account payment due on XXXX/XXXX/2015 was not made. Citi collection has been calling me every single day from XXXX/XXXX/2015 including XXXX XXXX holiday. I asked the representative if they are allowed to call on holidays. He said yes, I informed him on XXXX separate occasions I requested no phones calls, that all communication was to be done via email or USPS for accuracy purposes and due to the fact I care for my XXXX year old Mother who is very fragile with XXXX, XXXX. However, Citi has refused to honor my request. Further, they have lied to me on every phone call about their right to call me and more disturbing in the abusive and argumentative conversation from a CitiBank Representative on the XXXX XXXX phone call which took place at XXXX. I STRONGLY SUGGEST SOMEONE get a copy of that recording. I do not need that type of argumentative conversation to take place in front of family members and my mother. The call was witnessed by at least XXXX people since I had it on " SPEAKER '' I asked each person to write down what they heard so I had some sort of documentation while information was fresh in their minds. I fully intend to file a lawsuit as I do have a law background. I would hope the CFPB follows up in some assertive way as I also run a Political website ( XXXX ) currently under re-construction so can can handle the heavier than expected traffic. However, from the feedback through XXXX I can tell you this is NOT an isolated issue and I can also inform the CFPB at this point most consumers feel the CFPB is more of a " PONY and HORSE '' show. I continue to be hope-full actual progress is made and the CFPB turns out to be what over XXXX XXXX American consumers hope it will. Update, Citi Bank called XXXX today ( Sunday XXXX ) and its not even noon yet ...
Product: Credit reporting or other personal consumer reports

I am filing this complaint to inform you that TransUnion has unlawfully reported inaccurate information on my TransUnion consumer report. I wrote to TransUnion on XX/XX/XXXX to resolve this issue no avail ( See Evidence ). It is the duty of every consumer reporting agency to investigate a consumer dispute and follow reasonable procedures to ensure maximum possible accuracy of a consumer report. 

My name is XXXX XXXX XXXX. I have no other name and no aliases. Any other name or spelling or abbreviations are inaccurate and must be deleted immediately. You, TransUnion, are furnishing XXXX different variations of my name and this is inaccurate. 

My only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX You, TransUnion, XXXX furnishing XXXX different addresses on my consumer report. This is inaccurate and must be deleted immediately. 

My only phone number is XXXX. You, TransUnion, are furnishing XXXX different phone numbers and this is inaccurate. Delete all other phone numbers immediately. 

Delete all employers that you, TransUnion, are furnishing. I have no affiliation with any of those employers. 

You, TransUnion, are furnishing inaccurate accounts on my consumer report. XXXX XXXX collection account number # XXXX is not my account and must be deleted immediately. XXXX XXXX account number XXXX, and XXXX XXXX XXXX I account number XXXX are not my accounts and must be deleted immediately. 

I am requesting for the general or specific certifications pursuant to XXXX XXXX required by XXXX XXXX. XXXX ( f ) to establish permissible purpose and compliance pursuant XXXX XXXX. XXXX ( a ) to furnish these accounts on my consumer report. XXXX account has been reported since XX/XX/XXXX according to my consumer report, so I am requesting the general or specific certification that was given to you, TransUnion, required by procedure to place this account on my report. If you claim to verify, or validate this account, I am requesting the results of the reinvestigation and the procedure pursuant XXXX XXXX XXXX ( a ) ( XXXX ) and XXXX XXXX XXXX ( a ) ( XXXX ) to do so, as well as their sworn certification of accuracy. TransUnion is required to complete this reinvestigation pursuant XXXX XXXX XXXX ( a ) ( XXXX ) ( A ). I am likewise requesting the original documents pursuant XXXX XXXX. If you, TransUnion, can not verify this account under the requirements of the law, it must be deleted immediately! To be clear, I am requesting a preponderance of evidence to the facts ; not conjecture. 

References : Case Law : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX : section XXXX of the XXXX XXXX ( XXXX XXXX. XXXX ) Federal Trade Commission XXXX XXXX XXXX XXXX XXXX ( 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
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and removed from my credit file. 
EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday XX/XX/2020 I tried to submit updated disputes for the two collection accounts that are reporting incorrectly on my credit reports with XXXX, XXXX, and XXXX.I was denied because XXXX  ( the burea I disputed through ) stated that they are not required to validate duplicate disputes. The original dispute however, was never validated, and I never received any correspondence by mail. 

I have also reached out to the individual creditors Discover and XXXX XXXX pleading for verification of the account, or the reported balances, and neither companies have responded as of yet. 

I sent copies of a formal dispute letter, my social security card, and my new and old drivers licenses. The companies have yet to verify with me that the balances reported are accurate. 

Until they can prove that the balances have been reported to the individual credit bureaus correctly, I am requesting that these collection accounts, their incorrect balances, and their derogatory remarks be removed from my credit report while this is being investigated. This is in accordance with the 30 day guideline that states the credit bureau ( s )  have 30 days to look into your dispute, based on the information you provide to it.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which were transferred from my wallet - utilizing Coinbase 's services.
Product: Debt collection

To Whom it May Concern, This letter is in response to your contact with myself in an amount owed that you have identified. This is neither an acknowledgement of debt nor a refusal to pay, but a notice to request validation. Under the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to request validation of the debt that you allege I owe to you. This is not a request to verity the debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment due to you. Please provide the following alleged information to me within thirty ( 30 ) days from receipt of this letter. [ INSERT ALL THAT APPLY ] [ Creditor 's Name and Full Address ] [ Name of Debtor of Record ] [ Full Account Number ] [ Amount of Debt ] [ Due Date of Debt ] [ Original Charge Off or Delinquency Datel [ Explanation of how the Debt was calculated ] [ Evidence that the Debt is within State 's applicable Statute of Limitation ] [ Name of Collection Agency or Owner of Debt, if applicable ] [ Amount Paid if Debt was Purchased ] [ Completed and Executed Agreement, including Signature Pages, for the Debt ] Pursuant to my rights under FDCPA, I will not be responding or acknowledging any further collection attempts from you until you have verified that this debt is mine.
Product: Credit reporting or other personal consumer reports

There's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me XX/XX/XXXX on why and how this happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent information on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX ( XXXX ) and account # XXXX ( XXXX  ) has violated my rights 15 U.S.C. 1681 Sec. 602A states I have the right to privacy.

15 U.S.C. 1681 Sec 602A Section 2 it also states a consumer reporting agency can not furnish am account without my written instructions.
Product: Credit reporting or other personal consumer reports

Im a victim of XXXX XXXX and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over XXXX days I will be suing Equifax in XXXX business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted.. 

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Equifax XXXX XXXX Account # : XXXX According to Cushman v Equifax 1997 XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) XXXX Delete account immediately. This account is fraudulent and has to be deleted in XXXX  days!!!!! 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Equifax XXXX XXXX Account # : XXXX According to Cushman v Equifax 1997 XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these XXXXaws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deleted in XXXX  days!!!!! 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Equifax XXXX XXXX XXXX Account # : XXXX According to Cushman v Equifax 1997 , Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deleted in XXXX days!!!!!
Product: Credit reporting or other personal consumer reports

I phoned AppleCard/GS Bank on XX/XX/XXXX and requested to close my never-used account. The person I spoke with informed me that I had a balance owing of {$20.00} plus {$3.00} in interest. This was the first I had heard of any amounts owing. I informed them I would pay that amount if it would complete closing my account. During the call they asked several times if I was sure I wanted to close my account, and I confirmed each time. I paid the outstanding balance on the call with another credit card. I asked and was told there would be no negative credit report, which turned out to be untrue. I was recently informed by my bank, XXXX XXXX, that my credit score had declined by nearly XXXX points, from mid XXXX to mid XXXX. The reason for the loss of score was a XXXX late payment claimed by AppleCard/GS Bank , as reported by XXXX. This is the only negative item on my credit report and it was clearly in retribution for closing my card account, as I had never used the Apple Card and did not know of any late charge. I called AppleCard/GSBank customer service after learning of the maliciously false credit report and asked them to remove the report. The woman I spoke with was very sympathetic and understanding, she said it was not right but all she could do was submit a " XXXX level '' report to her superiors. I have yet to hear anything more from Apple Card/GS Bank . Speaking to XXXX about this is not possible because they refer all inquiries to GS Bank. In my mind this is a good example of the abuse practiced by online finance companies over consumers. My confidence in XXXX to protect its customers has been severely damaged by this experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted information to the CFPB, XXXX  and to the companies reporting negatively and inaccurate information on my credit file and I recently received information back from XXXX  saying that they verified the account and I would like to know how they did when the information you have on there is not only inaccurate, but the information does not line up. you're reporting different information and need to remove it before I submit this information to small claims court. 
Referencing the account from : I. XXXX XXXX XXXX I have submitted the following documents, none have been addressed and verified by XXXX  XXXX 
- QWR ( Qualified Written Request ), - ( 1 ) NOTICE VERIFIED MORTGAGE HOLDER BILLING ERROR DISPUTE FORM - ( 1a ) Affidavit - Notice of Adequate Assurance of Due Performance - ( 1b ) NOTICE and -DEMAND to Cease and Desist Collection Activities Prior to Validation of Purported Debt - ( 2a ) Affidavit of Truth - ( 2b ) AFFIDAVIT ( Bank ) - ( 3 ) Affidavit - NOTICE OF ALLEGED LOAN DISPUTE - ( 4 ) Affidavit - NOTICE OF HOLDER IN DUE COURSE STATUS - ( 5a-1 ) Affidavit - NOTICE FOR REQUEST OF CONFIRMATION ( 1 ) OF TERMS AND CONDITIONS OF AGREEMENT - ( 5b-2 ) Affidavit - NOTICE FOR REQUEST OF CONFIRMATION ( 2 ) OF TERMS AND CONDITIONS OF AGREEMENT - ( 6 ) Affidavit - NOTICE OF BREACH OF AGREEMENT - ( 7 ) Affidavit - NOTICE and DEMAND FOR FULL DISCLOSURE I also showed the discrepancies in reported information.

They need to remove it. 
II. XXXX XXXX is also reporting different information and needs to be removed from my credit file. 
I showed the discrepancies in reported information. 
They need to remove it We're having the same issue with XXXX  and Transunion LLC.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : $ XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

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: Debt collection

Midland credit management is trying to collect debt that isnt mine. They cant verify the debt after I asked them to and its bring my score down tremendously there are two collection accounts one for {$3.00} and one for {$790.00}. After Ive asked for them to stop calling and communicating with me they dont listen. I was these accounts removed off my credit history.
Product: Mortgage

In XXXX XXXX I visited my local tax office to submit a request to have my primary residential tax rate reduced from 6 % to 4 %. My request was approved and I was told that a refund check would be issued. 

In XX/XX/2023, my mortgage company notified me that there was/is a shortage in my escrow account and that my new monthly mortgage payment would be increasing by roughly $ XXXX. That immediately caught my attention. 

I contacted the local tax office to confirm the approval of my property assessment request and asked for a copy of approval that I could share with my mortgage company. The tax office confirmed that a refund check had been sent to my mortgage company in XX/XX/2023. My mortgage company is claiming that they never received the refund check but opened a case to look into my account. Before the end of the " grace period '' for my payment, I sent them a message asking for help as I did not want to pay the incorrect amount or be hit with a late penalty fee while they were reviewing my account. 

I just received a message this morning stating that I still have to pay the incorrect amount, would have to pay the late fee and if my payment was not received, my account would be reported to a credit bureau and reflect negatively on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove FCRA violations address below : XXXX XXXX {$16000.00} Closed 26 charge-offs XXXX XXXX XXXX, TX, XXXX please call me at for the correct address XXXX CELL Names wrong see attachments below XXXX XXXX
Product: Mortgage

My mortgage was sold to Seterus around XXXX of XX/XX/2014. I had previously sent a payment of {$57.00} to cover an escrow shortage to my prior mortgage company. When my loan transferred, the amount of {$57.00} was credited to my escrow account as of XXXX XXXX, XX/XX/2014, however my payment was a higher amount. I contacted them on XXXX XXXXXX/XX/2014 and was told that they would not be able to credit that amount since it was received by XXXX. They proceeded to tell me my mortgage payment would be increased to {$1100.00} per month and would not be the {$1100.00}. The amount of {$57.00} was listed on my XXXX XXXX statement for the month of XXXX from Seterus as a single payment to my escrow account. Yet, I had to make the higher payment amount of {$110000.00}.
Product: Mortgage

My mortgage was transferred to Select Portfolio Servicing ( SPS ) in late XXXX, XXXX after I made my 1st month payment ( due date XX/XX/2021 ) to the original mortgage company called XXXX XXXX XXXX ( XXXX ), since then, it has been a nightmare to deal with SPS, first, after the mortgage was transferred, nobody sent me the updated information for where to send the payment due XX/XX/2021, and I ended up having to send my 2nd payment to XXXX again. XXXX, after I paid my XX/XX/2021 due date mortgage, it looked like SPS suddenly woke up and found they didn't get my XX/XX/2021 due date payment, I called, emailed and told them again and again the payment was sent to XXXX, instead of checking with XXXX, SPS started to harass me with one letter after another ( total 17 letters sent to me, many with the same content ). 3rd, finally, after more than 60 days of investigation, they figured out, however, they still didn't get my escrow account correct by missing one month 's escrow payment, I emailed and mailed a letter to them to help correct the mistake, instead of getting it fixed asap, SPS sent me 4 more letters ( same content! ) saying the investigation will take another 30days!!! I was so frustrated and fed up with this company, I worked with so many mortgage companies before, and never ever in my life having met with a mortgage company like SPS with such messy, unprofessional and endless dragging practice, please help! Thanks.
Product: Credit reporting or other personal consumer reports

I recently reviewed my report and notice unauthorized inquires on my report I have sent letters to each company and has still not received and validation. I also submitted my FTC report and have yet to receive a response. These unathorized inquires needs to be deleted immediately. 

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