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

My complaint against XXXX anf Equifax is unresolved. 

The general reporting requirement under Federal Law is that 10 years of credit information is the only information is required. Information over the ten year limit is prohibited because it can lead to age discrimination. XXXX  and Equifax are not aware of that law. 

Other discrepancies also exist. XXXX  nor Eqifax have not responded to these complaints. I will outline all of these in the following : XXXX XXXX XXXX account XXXX account has a balance of {$3000.00} out of a credit limit of XXXX. They list the credit outstanding as XXXX. Wrong. 

XXXX accounts balances are XXXX. They list it as XXXX for one and XXXX for the second. Wrong. 

XXXX XXXX XXXX has a balance of XXXX. They list it as XXXX. Wrong. 

XXXX card XXXX of XX/XX/XXXX is listed as delinquent. First this a fraudulent account that they were made aware of in in XXXX. Second it exceeds 10 years and should be removed from the reporting. 

XXXX card XXXX dated XX/XX/XXXX is listed as delinquent. First this a fraudulent account that they were made aware of in in XXXX. Second it exceeds 10 years and should be removed from the reporting. 

XXXX card XXXX dated XX/XX/XXXX is listed as delinquent. First this a fraudulent account that they were made aware of in in XXXX. Second it exceeds 10 years and should be removed from the reporting. 

XXXX card XXXX dated XX/XX/XXXX is listed as a XXXX   balance. This account exceeds 10 years and should be removed from the reporting. 

XXXX card XXXX dated XX/XX/XXXX is listed as a XXXX  balance. This account exceeds 10 years and should be removed from the reporting. 

XXXX XXXX XXXX dated XX/XX/XXXX is listed as a XXXX balance. This account exceeds 10 years and should be removed from the reporting. 

XXXX XXXX dated XX/XX/XXXX is listed as a XXXX balance. This account exceeds 10 years and should be removed from the reporting. 

XXXX  XXXX dated XX/XX/XXXX is listed as a XXXX  balance. This account exceeds 10 years and should be removed from the reporting. 

Overall there are no delinquencies and no late payments. The XXXX reporting always lists those terms and they are without credible data. 

I would like XXXX and Equifax to correct their reporting and provide me with the corrected report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Product: Debt collection

A company that goes by the name ERS constantly calls me. The guy on my voicemail is XXXX claiming they are a law firm. They have called my business number multiple times for the past 3 months. They have contacted 2 family members and stated I listed them as references which is a lie. I never do that or have done that. I had to change my number because they constantly keep calling. They never disclose of the original debtor just some random case number. I have no idea who this people are.
Product: Debt collection

Greetings, I am contacting your office to notify you that Portfolio Recovery Associates , LLC has been calling and harassing my family and we are stressed. I started documenting the calls on XX/XX/2022 through XX/XX/2022 and during that time period they called approximately 30 times from different numbers. On XX/XX/2022 I sent a debt validation and a cease and desist letter via email and now awaiting their response.
Product: Credit reporting or other personal consumer reports

XXXX  THESE ACCOUNTS, IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE INQUIRIES WERE NOT AUTHORIZED. REMOVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Failure to Respond to Dispute Request - Immediate Removal of Accounts As of today, these companies have failed to respond within the legally required 30-day period. Under FCRA 611 ( a ), creditors and data furnishers are obligated to investigate disputes and notify credit reporting agencies of the results within this time frame. Given your failure to comply with federal law, I now demand that you immediately remove this item from my credit report. If this issue is not resolved within 10 days of receiving this letter, I will take further action, pursuing legal remedies for damages. I expect a confirmation of the removal of these accounts. Should you fail to act promptly, I will have no choice but to escalate this matter. I trust you will act swiftly to rectify this situation. 


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

I have reported to Transunion that my identity was stolen and they still allow the charge for XXXX XXXX XXXX to remain on my report for {$180.00}. The charge does not belong to me. I have filed an official Identity Theft Report that included the collection of {$180.00} by XXXX XXXX XXXX, a company I have never had no dealings and no knowledge of. Attached is my official Identity Theft Report.
Product: Credit card

I did not get the 4 % bonus cash back for my spend at restaurants because the restaurant used a different code other than a restaurant. This is for my US Bank XXXX XXXX credit card. I ate at an expensive XXXX XXXX XXXX restaurant and other expensive restaurants on my vacation and used this credit card, but because the vendors had a different categorization, US Bank would not provide me the bonus points even though those vendors are undoubtedly restaurants. I called the customer service line and asked if they could still give me the points but I was denied.
Product: Mortgage

I asked Respectfully that this person below, XXXX XXXX XXXX Provide details on this email regarding the contents of my Escrow and the denial terms to close it. 

I noted I needed details on ; Certificate of Insurance type of insurance Paid Property Tax Receipt and reason for with holding tax without permission Are these legal requirements to have an escrow if I make tax and insurance payments and are these actions of refusing to close the escrow and provide a pay out amount unlawful and unenforceable. 

amerihome.com have done the following over the last 3 months ; A. Refusing to issue escrow statement B. Refusal to issue escrow charges C. Refusal to confirm tax payments D. Refusal to provide Insurance Policy details E. Denied right to close escrow, despite terms on website stating this can be requested in writing, of which it has been done on the XXXX XX/XX/year>. 
XXXX XXXX to provide pay out amount to close mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRAS. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated XXXX  What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Product: Credit card

I have a Mastercard credit card with a {$900.00} credit issues from Paypal via Synchrony Bank. I had accumulated a balance of {$890.00}. I made a one time payment for this amount through my savings account with XXXX XXXX  on XX/XX/XXXX. The payment posted. I tried using my card 10 days later at a local fast food restaurant and the card was declined. I promptly contacted Paypal who told me that since I had made a large payment on the account at one time that there was a hold on the card that could last up to 21 days. During this hold I would only have access to {$9.00} on the card and I would her to wait before I would have access to my full credit amount. I can certainly understand the hold on the account, however I didn't try using the card until a full 10 days had passed. If Paypal/ Synchrony wanted to wait to ensure the payment posted and was not returned to the bank for insufficient funds, then 10 days should have been more than enough time. I contacted Paypal customer service on XX/XX/XXXX twice and even escalated my call to a supervisor with no resolution.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the multiple inaccuracies listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), section 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum accuracy of the information in consumer reports. The negative accounts reported in my credit file do not meet this standard and were reported without my written consent.

Details of the disputed items are as follows : Creditor : XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX Account XXXX : XXXX Creditor : XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX  Account XXXX : XXXX These accounts are inaccurately reported, and I am requesting that you conduct a thorough investigation into these matters. Please verify the accuracy of these accounts, remove the inaccurate information promptly, and pay {$1200.00} in monetary damages for the distress and impact caused by this incorrect reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell CREDIT BUREAU that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. Again, I was going through my records & noticed many information or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAU is required by law to remove any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. 
XXXX XXXX XXXX  XX/XX/2022
Product: Debt collection

Have been trying to resolve a debt with Transworld Systems , Inc. ( TSIXXXX ) but am unable to get anyone to help me. This debt was settled with XXXX XXXX  XXXX XXXX XXXX in XXXX 2017 and I have called Transworld at least 5 times only to be referred to their " legal team '' which then routes the call to XXXX, XXXX, XXXX XXXX XXXX who tells me the account is settled. Each time I call Transworld, the person answering the phone refuses to let me speak to any other person besides their " legal department '' which immediate refers to XXXX. The people at XXXX, XXXX, XXXX XXXX have been very nice and accommodating, but they reply that they have marked my account as closed and there is nothing further they can do on their end, and they encourage me to call Transworld Systems Inc. I am becoming very frustrated as I have not received any documents in the mail from Transworld saying there is any balance owed, but it is showing an open collections account on my credit report. I have tried for weeks to contact each company and figure out what to do. I have followed up with Transworld, XXXX, XXXX XXXX XXXX, and no one is helping me. There is no contact information for XXXX XXXX XXXX to follow up with them, and I have no received any communication from any of these places to figure out what the steps are to get this debt resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Act XXXX XXXX XXXX Last reported XX/XX/XXXX {$440.00} Open balance XXXXXXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/XXXX {$640.00} Open balance XXXXXXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX  Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {$5900.00} 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: Mortgage

I have two mortgages with Ditech, and have had them for years. In XXXX I scheduled my XXXX payment for both of my accounts. I did not recieve the typical email confirmation, so I called in, and was given the confirmation number. I explained that I had two accounts, and was assurred that the payments were both there. On XX/XX/XXXX, I received an alert from the credit bureau that my credit score had dropped due to a 30 day late notice on Ditech mortgage. I immediately contacted them, made another payment, and began the process of sending information to get the 30 day late removed. Finally, on XX/XX/XXXX, I received a letter from Ditech that they would change the infomation reported to the credit reporting agencies. Just getting that letter took several hours of calls, and going through several people, but I was happy I got it. I was assurred this would be reflected on my credit report in 3-5 business days. As of today, XX/XX/XXXX, it has not happened. I am now working directly with the credit reporting agency in hopes of fixing this situation soon, as I have been turned down for loans due to this problem. But, then it gets better. I paid my payment in XXXX for both loans again. I was traveling for most of the month, and had not reconciled my bank account until yesterday. Now, the payment for the other loan has not cleared for XXXX!!! I went on line to check yesterday, and it was reporting as if it had not been paid. I paid immediately, and this morning started the process all over again for this loan. However, after being on the phone for almost an hour, and talking to someone who did not seem to understand what I was asking, I was sent to a manager and told my account is closed and with another loan company. I need to contact them for customer service. They, of course, can not help me with Ditech, and I was aware that as of XX/XX/XXXX, I was to go through the new company. However, this is a XXXX issue. I know Ditech is undergoing re-organization, ie, bankruptcy, because they sent customers a letter a couple months ago. I understand they may be having troubles that may take a little longer to get fixed. However, I am a long time customer with them and I have never had anything like this happen. Now it has happened twice in a couple months. I am frustrated, and fearful that they are going to repot yet another 30 day late on my account, and I can not do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report hich are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXXXX/XX/2021
Product: Credit reporting or other personal consumer reports

i file disputes with early warning consumer services XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. stating the accounts are fraudulent and were opened up without my permission, i filed a ftc report also stating my identity was stolen to open fraudulent accounts in my name which they overdrawn and wrote bad checks..Early warning reply stating the accounts are accurate and refuse to remove these accounts.
Product: Mortgage

I contacted Wells Fargo Mortgage on XXXX XXXX, 2015 to refinance my home. After wasting excessive time gathering the necessary paperwork, receiving and sending at least XXXX e-mails, receiving and sending countless phone calls, by the beginning of XXXX 2015 closing had not taken place. After I submitted all the documentation I was asked to provide, paid an appraiser {$400.00}, and paid {$25.00} for credit reports, Wells Fargo Mortgage made me go to a closing appointment that did not take place because the attorney did not get the loan officer 's okay to close. 

When I spoke with the loan officer about refinancing my home, I requested for the closing costs to be included in the loan amount. The same loan officer sent me XXXX Rate Lock Agreements, XXXX dated after the other XXXX. I noticed there were closing costs, on a separate field, in excess of the loan amount. I spoke with the loan officer 's supervisor and explained I had instructed the loan officer to include the closing costs into the principal loan amount. Instead of the supervisor responding to me, directly, he forwarded somebody else 's answer. After I made several inquiries regarding the closing costs still appearing, the loan processor informed me the closing costs were to cover a year 's worth of the homeowners ' insurance premium. 

After I was given this information, I realized the loan officer took it upon herself, without my consent or notification, to secure a homeowners ' insurance policy with a different insurance company. Apart from the loan officer 's unethical behavior, the premium would have been {$500.00} higher than the insurance company I chose and which I had started making payments in mid XXXX. 

Besides the erroneous additional closing costs, the loan amounts changed, within XXXX day, in excess of {$2000.00}, even though I continued to make mortgage payments on time. 

Wells Fargo Mortgage never gave me a reason for the delay or the inability to close on the loan. During this process, I was addressed in a disrespectful manner, on several occasions, by the loan officer. Because of the loan officer 's actions, I was compeled to send her a rude e-mail complaining about her attitude toward me. The loan officer responded by leaving me a voice mail message threatening me to file a complaint, against me, with Wells Fargo corporate office. 

I sent an e-mail to the loan officer 's supervisor cancelling the refinancing process. Additionally, I sent a complaint letter to XXXX XXXX, with Wells Fargo Mortgage Board of Directors, on XXXX XXXX, 2015, explaining everythingwhat had taken place. 

Thank you for your time.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I was defrauded for two {$95.00} payments ( total of {$190.00} ) on XXXX and Chase bank never helped me get that back from XXXX XXXX ( phone number XXXX ). Neither Chase or XXXX has taken the responsibility for this fraudulent withdrawal and helped retrieve this month even though this was a scam. They should really take a few steps to help their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, obviously has incentive arrangements with different lenders for Experian financial gains and has given several my personal information, SS # and other information for the purposes of a loan that never applied for. These lenders have pulled my credit, again without my consent. They refuse to acknowledge it and correct/remedy this problem. 
I am filing this complaint to correct this issue and want to use any legal services available to make sure it doesn't happen again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX