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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Kindly ensure the unauthorized accounts on my credit report are blocked and removed without delay. I did not open or authorize these accounts and am unaware of their origins. Under USC 1681g, I formally request their removal within 15 days. Relevant documents have been included for your review.
Product: Mortgage

To whom this concerns, I initially fell behind my mortgage loan in XX/XX/XXXX because the company that I'd been working at for 8 years at the time got sold to another company and I was laid off. I searched for work but remained unemployed for 4 months thereafter. I finally found work in XX/XX/XXXX but was once again terminated shortly after in XX/XX/XXXX. I found another job in XX/XX/XXXX and shortly after, my husband 's health began to decline, which required me to pay close care and attention to him and also caused a strain on the limited amount of income we had coming in. I remained employed through my husband 's illness but he unfortunately passed in XXXX of XXXX which left me to pay for past due medical bills and funeral expenses which left me unable to meet my financial obligations. This journey has had an extreme emotional and financial toll on me and I have been working through it all to try to resolve the debt. I have submitted a full and completed short sale application to my mortgage servicer, and even though they offered me a short sale as recently as XX/XX/XXXX, they have refused to accept my application and still want to move forward with foreclosing. I have been through so much in the past 3 years and I don't want a foreclosure on my credit to be another thing that I have to deal with. I am working my hardest to get this resolved and need the auction to be postponed or cancelled so that I have the time needed to get through this process. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB complaint XXXX was denied by XXXX in XX/XX/2021. Chase has proceeded to retaliate for filing this report. In XXXX XXXX received per their knowledge that Chase reported this account now nearly 6 years closed and 60 days late. 

I am filing another CFPB report against XXXX as well for illegally posting adverse information against a long closed and paid full account. 

I am providing added information related to Complaint XXXX again outlining how Chase Mortgage was slow to process a mortgage pay-off from another financial institution, likely also in retaliation. 

I am demanding monetary reimbursement for 5 years plus of unjustified reporting by Chase and now more emotional distress as I prepare for an new business loan which will be stalled until this is resolved. I had a credit rating of 820 plus which dropped 61 points overnight due to XXXX Chase retaliation.
Product: Credit card

I opened a Citibank credit card account and opted out of all Citibank phone calls, checks, pre-screened offers of credit, affiliate marketing, etc. etc. on XXXX XXXX, XXXX. I thought that the opt-out preferences were permanent until changed by the customer, or at least were good for 5 years. But Citibank began sending me checks in XXXX XXXX, not even 5 years after I had opted out. I called them immediately and them told them I have opted out but they are still sending me checks one month later. Is this a violation of the opt-out consumer protection program? Why is it SO difficult for a consumer to stop what could be described as harassment or predatory business practices?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 14 days.

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. 

Date of Last Activity/Account Status/Date OpenedDate of last a I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, Equifax, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation.

At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

XXXX XXXX XXXX XXXXXXXX XXXX Thank you,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  I am reporting a fraudulent inquiry found in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Southwest Credit Systems , L.P. has made allegations about this debt for {$3200.00}. I have communicated with them via U.S. mail ( XX/XX/XXXX XXXX XXXX  ) requesting additional information. Their response ( XX/XX/XXXX XXXX XXXX  ) was a generalized statement. Therefore, I appealed with a second letter ( XXXX XXXX XXXX  ) requesting an itemized list with additional information ( delivered XXXX XXXX XXXX  ). I have received no response to the second letter and I have waited 30 days, plus an additional 10 days to give ample time to allow them to do their due diligence. I have attached all correspondence mentioned above. I have an unsubstantiated debt being reported to the credit bureaus and this is concerning to me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies : Equifax, XXXX, and XXXX Dates : XXXX 2017 Following the Equifax data breach, I have attempted to freeze my credit with all three agencies. I have run into broken websites that ca n't verify my identity, long hold times, and hangups on their customer service times. 

But more importantly, I did not CHOOSE to be a customer of theirs, and yet in order to put a security freeze on my credit, I must PAY THEM. This is extortion. This service should be opt-in. When someone opens a bank account, credit card, or loan for the first time, they should be able to opt-in to this service and opt-out at any time. 

Americans are clearly not the customer, they are the product being sold. And yet somehow also we must pay for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX ( 46 minute conversation with Equifax Reps ), XXXX/XXXX/XXXX ( 1 hour and 32 minute conversation with Equifax Reps ), XXXX/XXXX/XXXX ( 32 minute conversation with Equifax Reps ), and XXXX/XXXX/XXXX ( 27 minute conversation with Equifax Reps ) I attempted to contact Equifax to resolve the issue of being unable to access my dispute results, log in online, or thru XXXX as I was told my information was part of the Equifax breach. It is very frustrating and no one there seems to care, be concerned, or go above and beyond to be helpful in resolving. 

On XXXX/XXXX/XXXX, I was sent an email saying I my dispute results were ready to be reviewed. When I tried to it said my information was wrong. I can not log in to see my dispute results or into the XXXX XXXX. I initially thought ok maybe something is wrong with system and would just try again the next day. 

On XXXX/XXXX/XXXX, was my longest conversation and attempt ever. I contacted Equifax only to be passed/transferred around to about 6 Reps in which none were very friendly or helpful even after requesting to speak to a supervisor or manager (  denied ). I was told I have no credit report when I know that I do. They proceeded to make me feel as if I was crazy by asking if I was sure I have credit and was I sure of my log in etc. I also had requested to be warm transferred each time because it was exhausting and very time consuming to have to keep explaining the issue over and over to the next person. Each time they lied to me and would tell me they would warm transfer me but I was just dropped in a queue to the next person. Mind you this is during my work day. Each time I was told there is a glitch with the system and that the next person would be able to help me. 

On XXXX/XXXX/XXXX & XXXX/XXXX/XXXX Same runaround with the conversation and issue. I couldnt take being passed around so after 2nd and 3rd transfer attempts I disconnected the call. 

No one can provide a resolution. I was told there is a glitch but no resolution. This is very concerning to me and super stressful as I am attempting to buy a house at the moment.
Product: Credit reporting or other personal consumer reports

I continue to reach out to XXXX and equal facts about the inquiries that I keep receiving that doesnt belong to me as well as the fraudulent activities with a breach of my credit file. I disputed the inquiries multiple times over the years however they take the inquiries off and put them back on my file.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The informationS which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft and yet you claim it was verified and its mine I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I to ask that you provide me with the following information : XXXX. The date you contacted the creditor. 
XXXX. The contact information for the creditor. 
XXXX. The name of the person who verified the item to you. 
XXXX. The method of communication you used to verify this information.
Product: Debt collection

I have made multiple attempts to obtain the legal supporting documentation to provide proof that the account LVNV Funding is reporting on my credit profile belongs to me. This company continues to ignore my certified requests. They 've verify with the credit bureaus that the account they are reporting is accurate ; however, they 've refused to supply the substantiating documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX  # XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX To whom it may concern, This account XXXX XXXX  XXXX XXXX XXXX was charged off XX/XX/XXXX. It is to my understanding that a charged off account should not include an active payment history. This manipulates the date of last activity. 
Please delete this account. 


I have attached my ID to this letter.
Product: Debt collection

To whom it may concern, I have pull my credit report and see this company XXXX XXXX account # XXXX still reporting some inaccurate information on my report. I have dispute this account before and still have not getting any response from the company. 
I need to know the steps taking to investigate this account and how it MEETS FCRA REQUIREMENT. 

There are several error on this account across the bureaus. Date last active is incorrect, Date open is incorrect across the bureaus and so many other errors on this account. 

Please DELETE THIS ACCOUNT IMMEDIATELY IF YOU CAN NOT PROVIDE THE STEPS THAT YOU TAKE TO VERIFY THIS ACCOUNTS. 

Because of these errors on my report I am getting denied for credit and make my life harder than it already is with this economy that we are in right now.
Product: Vehicle loan or lease

I make payments within the assign payment date I even pay more on my account have been since I have had the car and still being charge late fee 's i have tried to work with them i have paid over {$14000.00} and {$2000.00} been in late charges because of mis- communication of paper work.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 XXXX XXXX Closed my credit card account stating my credit worthiness was bad. I wanted the account closed due to fraudulent charges which they state do not exist. I filed a police report and submitted it to XXXX XXXX which they state I never did. Thats a flat out lie. 
Im glad they closed my account as I requested. My problem is that they continue to report late payments to the credit bureaus Equifax and XXXX. These reported late payments should not be reported to my closed account.
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX  XXXX XXXX XX/XX/2021
Product: Debt collection

A company who identified themselves as Liberty contacted several family members and left messages saying they would come locate me at their residence. I called the company and they claim I'm being sued for something that I have no knowledge of. I've never been contacted and I never authorized contacting any relatives.
Product: Debt collection

PayPal is claiming that I owe them money. However, they owed me money and now they're asking for it back. In addition to unexplained amounts on top of this refund
Product: Mortgage

With my previous mortgage servicing I was under the forbearance plan, my loan was then sold to community loan. it has been a struggle to get any communication with them. In XXXX I signed and returned my loan modification documents at the end of my forbearance plan, by signing this documents I was agreeing to the terms being provided to me, and I agreed that I would be able to make the monthly payments. My first payment ( {$1300.00} ) under this agreement would be due on XX/XX/22. upon logging into my account to make a payment, I noticed the amount due did not match the the payment ( {$1500.00} ) agreement I signed on the loan modification document. I have tried reaching out via emails, and phone calls and never get a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act XXXX XXXX Acct # XXXX, XXXX  XXXX Act # XXXX, XXXX  XXXX Act # XXXX, XXXX  XXXX  Acct # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have basically been paying for their services for almost six months and it has yet to show on not one credit agency
Product: Money transfer, virtual currency, or money service

I drafted a letter of negotiation and a payment promissory note to tender payment through my bank for an auto loan settlement. Within the letter of negotiation I requested also a refund pursuant to 12 CRF 1026.11 - TREATMENT OF CREDIT BALANCES. 

In order for a payment promissory note to be valid you need to have a Medallion Signature Guarantee. I have an account with Bank Of America which they offer the service for free. They refused to medallion stamp my payment promissory note and only answer I could get is that they don't stamp those. 

So I was prevented from tendering payment by refusing to stamp thus was unable to present pay thru my bank to a clearing house and also because my payment promissory note was for the full amount I also requested a refund pursuant to 12 CRF 1023.11. 
Your appointment details : Confirmation # : XXXX Where : XXXX XXXX XXXX, XXXX, TN XXXX Phone : XXXX Discussion topic : Medallion Signature Guarantee When : XXXX XXXX XXXX XX/XX/20XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an updated credit score through XXXX XXXX, which showed that my Transunion score had dropped 68 points. My score went from a XXXX to a XXXX the day after my bank reported our home refinance. I called the company to ask if that is a normal drop for a home refinance, since that big a drop seems like it would be a deterrent. I called the XXXX number provided by TransUnion on their website. I pressed zero to speak to a customer service representative. I explained my problem and they told me that my score is calculated by a formula that is automatic based on the information in my records. I asked if a 60 point drop is normal as that didn't sound right. I was told the same information, that my score is calculated by a formula that is automatic based on the information in my records. I asked if I could speak to someone who knew the formula and if that sum ( 60 points ) seemed correct. I was then told that nobody knows how it's calculated, it's automatic. I've worked hard to build my credit back up and this drop is disturbing and unnerving. The fact that nobody knows how this is calculated makes me feel like this is an arbitrary number that many important financial decisions are based on. I would like to know the formula, or know that the calculations are correct, and also the standard drop for a refinance. If this information is in error, it is detrimental and slanderous to my financial reputation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax requires the following items to get a credit report and it discriminates against the elderly and retirees. 
Identity Requirements Social Security card Pay stub with Social Security Number XXXX form Address Requirements Driver 's license Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric, water, cable, residential telephone bills ) I am retired and do not work and do not drive. I do not own a home or property or pay rent and can not meet the address requirements. I have banking accounts that I receive at the address I reside at.
I can not obtain a free credit report from them.
Product: Debt collection

I have been repeatedly contacted and harassed and accused of owing money to XXXX XXXX for a membership I never signed up for nor do I know anything about. I have told this law firm ALDOUS & ASSOCIATES this multiple times. I also requested written as well as physical proof of when, where, a witness statement proving that I was ever in any XXXX XXXX location and any paperwork I would have had to have signed and shown my ID to someone so they could verify that it was in fact me who was signing up. They can not provide me with anything other than telling me I owe XXXX some X amount of money. They can't tell on what day this supposedly happened or where or what type of membership or who signed me up. All they gave me was my correct phone number an email address I don't hardly ever use and my address information. All of which is searchable via the internet. This has been happening for over a year now at random. They send me a notice and I respond the same way I call and ask for the information I listed above then they try to get me to verify my info and give them my social and I tell them no. I have never once received a document with a tear off that gives me an opportunity to dispute these claims and when I have asked for XXXX to be sent to me They send me the same payment letter with a tear off requesting my credit card info and offering me 50 % off my original debt amount owed. 
Now they are threatening that my credit report will be damaged until I give them money that I don't owe them or anyone else. I NEVER SIGNED UP FOR A XXXX GYM PASS AT XXXX. 
I made that mistake once with XXXX XXXX in the early XXXX 's and paid that debt off in full back in or around XXXX or XXXX give or take a year on either side that was XXXX years ago. 
I know how the gym membership debt works I have done this before and I paid what I signed up for then and it was never XXXX simple payment of X amount of dollars and at no time do they offer you XXXX XXXX  off your debt owed. 
I feel like this is either a scam or set up. I HAVE BEEN WORKING MY XXXX OFF WORKING ON MY CREDIT SCORE AND THEY BETTER NOT MESS WITH IT OVER SOMETHING I NEVER SIGNED UP FOR.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX XXXX XXXX XXXX ( b ) Accuracy of XXXX. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX XXXX XXXX XXXX ( XXXX ) XXXX of XXXX or XXXX XXXX, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and XXXX be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I XXXX suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of identity thief some of my accounts on my credit report is in bad standards and that not fair and some of them are closed
Product: Credit reporting or other personal consumer reports

I checked my credit report and found XXXX inquires that I do not recognize and I believe to be fraud. I filed a FTC report # XXXX which I believe are XXXX fraudulent inquires. XXXX XXXX/XXXX/25 XXXX XX/XX/year>25. I did not authorize these inquires but have been unsuccessful in having the inquires removed.