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

XXXX who has no sold their bank has been reporting my payments late to the credit bureau and I am trying to sell my house to down size after a divorce. THe company did not even have an automated system in the beginning of XX/XX/XXXX all payment went through XXXX XXXX as well they have a p.o.box that you remit payment and as you will see on my bank statement the payment constantly cleared on the XX/XX/XXXX of almost each month but on their activities report posted on the last day of the month. I have all the proof that the company is wrong and they are hindering my process of purchasing a home. They were a small mom and pop bank that held payments nd posted them to get additional feel in the month of XX/XX/XXXX or XX/XX/XXXXthey held a check for an entire month due to know account number ad my name and address was on the check. They returned the check a month later ( how did they know my address ) because it was on the check in which they could have applied my payments. Again please consistently look at how they cleared and posted my check pretty much the same time every month. I have never been 30 days late this process has taken over 40 days and I need them to remove the lates now since I do have proof of payment and when they cleared.this was a bad mortgage and 95 % of the homes have gone into foreclosure because of the company who had completely wrong information. I have given them clear proof there information was incorrect for l years but especially XX/XX/XXXX in which it has taken over 3 months 90 days. i have correspondence with 7 different claims ofmy reporting, I have been forced to spend money that on obtaining an attorney. i have been a customer for 14 years and they will not give me a number to their attorney nor suppervisor.the must change my report and I am seeking damages and I want all of upper management and legal departments information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have subscription accounts with both XXXX and XXXX Credit Bureaus ( CB ). Equifax CB keep sending me invitations to purchase a subscription from them, but I reason that 2 subscriptions to 2 credit bureaus are enough. Interestingly, all 3 CBs are leaving the status of the following school loan accounts the same, for example : 1. XXXX XXXX XXXX XXXX XXXX, PA XXXX. XXXX loan {$47000.00}, Date Opened : XX/XX/XXXX : Account number XXXX. 
2. XXXX XXXX Account # : XXXX | Education Loan Date opened : XX/XX/XXXX for {$60000.00} 3. XXXX {$83.00}, XXXX. ( was {$26.00}, XXXX ) Date Opened : XX/XX/XXXX. Education Loan Account # : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX || ( XXXX ) XXXX XXXX. XXXX {$100000.00} ( was {$33.00}, XXXX ) Date Opened : XX/XX/XXXX. XXXX XXXX A/c # : XXXX XXXX. XXXX {$79000.00} ( was {$25000.00} ) Date Opened XX/XX/XXXX. XXXX XXXX A/c # : XXXX XXXX. XXXX {$16000.00} ( was {$5300.00} ) Date Opened XX/XX/XXXX. XXXX XXXX A/c # : XXXX I was granted a full deferral on all of these loans ( see attachments ). I was sued by these companies, all lawsuits were dismissed since I am XXXX XXXX XXXX. One judge even had me forward a copy of the statutory Federal law on deferment to the lawyers who represented these companies ( See attachments ). The problem is simple, all 3 CBs keep reporting these school loans as Charge-offs or closed accounts. Interestingly, XXXX has added the XXXX account to my regular installment accounts and jacked up the total on my installment accounts from {$2200.00} to $ XXXX -- -erroneously reporting that I am making monthly payments to XXXX XXXX XXXX XXXX Equifax shows a similar pattern, that being, failure to show these accounts as being deferred.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent account # 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 XXXXights. 
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: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Dispute my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No.2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

THE COMPANY, CREDIT COLLECTION SVCS, PURCHASE A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. 
ACCORDING TO 15 USC 3002 I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX 15 USC 1692 ( A ) ( XXXX ) THE TERM BUREAU MEANS THE BUREAU OF CONSUMER FINANCIAL PROTECTION. XXXX, XXXX, AND XXXX ARE ASSUMED TO BE CREDIT BUREAUS AND THEIR IS ONLY XXXX BUREAU AND THAT IS THE CONSUMER FINANCIAL PROTECTION BUREAU. 

ON XX/XX/1933, CONGRESS ENACTED HJR-192 TO SUSPEND THE GOLD STANDARD AND TO ABROGATE THE GOLD CLAUSE.THIS RESOLUTION DECLARED THAT WHEREAS THE HOLDING OR DEALING IN GOLD AFFECT THE PUBLIC INTEREST, AND ARE THEREFOR SUBJECT TO PROPER REGULATION AND RESTRICTION ; AND WHEREAS THE EXISTING EMERGENCY HAS DISCLOSED THAT PROVISIONS OF OBLIGATIONS WHICH PURPORT TO GIVE THE OBLIGEE A RIGHT TO REQUIRE PAYMENT IN GOLD OR A PARTICULAR KIND OF COIN OR CURRENCY ARE INCONSISTENT WITH THE DECLARED POLICY OF CONGRESS..IN THE PAYMENT OF THE DEBT. THIS RESOLUTION DECLARED THAT ANY OBLIGATION REQUIRING PAYMENT IN GOLD OR A PARTICULAR KIND OF COIN OR CURRENCY, OR IN AN AMOUNT IN MONEY POLICY ; AND EVERY OBLIGATION HERETOFORE OR HEREAFTER INCURRED, SHALL BE DISCHARGED UPON PAYMENT, DOLLAR FOR DOLLAR, IN ANY COIN OR CURRENCY WHICH AT THE TIME OF PAYMENT IS LEGAL TENDER FOR PUBLIC AND PRIVATE DEBTS.

15 USC 1681 ( 3 ) ( E ) ( E ) THE TERM INVESTIGATIVE CONSUMER REPORT MEANS A CONSUMER REPORTS OR PORTION THEREOF IN WHICH INFORMATION ON A CONSUMERS CHARACTER, GENERAL REPUTATION, PERSONAL CHARACTERISTICS, OR MODE OF LIVING IS OBTAINED THROUGH PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THE CONSUMER REPORTED ON OR WITH OTHERS WITH WHOM HE IS ACQUAINTED OR WHO MAY HAVE KNOWLEDGE CONCERNING ANY SUCH ITEMS OF INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiries was unauthorized. I have contacted all three credit bureaus as well as each one of the listed companies on several occasions. The credit bureaus have advised me there is nothing they can do about falsely obtained credit inquiries without letters from the companies that pulled my credit. I have reached back out to the reporting companies and advised that the pulls were obtained without my consent, and the companies have all refused to remove anything about them, I consistently am advised to wait 2 years for them to fall off, however these pulls were never authorized nor are they valid.. I am at my witts end and believe that I should not be held accountable for something on my credit report that is not only INACCURATE but illegally obtained. These inquiries all happened between XX/XX/XXXX-XX/XX/XXXX. Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

I went to borrow {$12.00} dollars from Earnin for the bus fee using XXXX XXXX, but the app instead debited me {$47.00}!! Plus the XXXX XXXX brings it up to {$63.00}!!! They expect me to pay all of that and would only refund me {$11.00} ( the Lightning Speed fee ). They refuse to refund me because I used lightening speed even though I showed proof that I did not ask for {$47.00}!!
Product: Debt collection

My father died last month, since then I have been getting calls and debt collection letters on accounts that were closed, The collection bureau of the Hudson valley sent me a bill with a larger amount that the credit limit I had. It also showed activity including payment in 2016, I sent them a copy of my bank statement showing I did not pay or charge anything last   XXXX   as my father as in the hospital.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and again XXXX my identity was stolen. In XXXX XXXX XXXX started reporting a second card, even though the first one was reported stolen. I obtained a police report. My card was at a 0 balance when stolen, the person ran up 1600+ worth of charges XXXX XXXX XXXX XXXX has charged me over 600 in fees and agreed to remove an additional {$250.00} over that. Currently the balance is showing XXXX, limit XXXX. Both cards reported negative at the same time same months ... so the opened the second card while the first card was still out there ... both have delinquencies showing. I have sent XXXX police reports more than once and they declined to remove the card from my credit. Then they agreed removed it for 2 months and placed it back on my credit with both cards showing a balance. Currently it is reporting just one card as delinquent and they other one with the final month showing 30 days late. Mind you I have no negative credit from any other lenders or creditors. All my bills are paid in full. I actually called XXXX and said I know I didnt charge these items but would like to make a settlement - this was declined. They want me to pay the full amount I sent them a police report for and all of the late fees and interest over 600. 
At this time, this is the only negative account on my file. I have tried everything short of paying someone elses debt. There is also an inquiries as a XXXX XXXX which isnt me, 5 wrong phone numbers. I need assistance in getting XXXX XXXX off my credit and for these people to leave me alone and stop applying for new credit cards to add inquiries to my file as punishment for not paying the account off. This needs to stop here. Please help me. Mortgage loan is pending the outcome
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX to EXPERIAN, I am requesting your agency do an independent investigation for ALL accounts listed above with XXXX XXXX XXXX  and XXXX XXXX XXXX. PLEASE DO NOT PARROT BACK USELESS UNVERIFIABLE, INCOMPLETE, INACCURATE INFORMATION. I have disputed this item several times and your company has not done an investigation as required and you have refused to send me all of the requested documentation. XXXX, XXXX, AND EXPERIAN ARE EACH REPORTING COMPLETELY DIFFERENT INFORMATION THROUGHOUT THIS ENTIRE ACCOUNT. OBVIOUSLY WE HAVE A HUGE PROBLEM HERE. 

I never had an account with this company. I have no knowledge of this company. I have no knowledge of owing this company at all. I never gave this company my written consent or permission to obtain any information about me nor did I give this company permission to publish any information about me. I never signed anything making NONE OF THE ABOVE COMPANIES the ASSIGNEE. 

I AM REQUESTING YOUR AGENCY CEASE OF ALL REPORTING WHILE INVESTIGATION IS IN PROCESS. IF YOUR AGENCY CAN NOT PROVIDE EACH AND EVERY DOCUMENT, I REQUESTED IN THE TIME ALLOWED PERMANETLY DELETE THIS ACCOUNT FROM ALL CONSUMER REPORTS IMMEDIATELY. 

( ( PLEASE PROVIDE ALL REQUESTED ITEMS BELOW AFTER INVESTIGATIONS ) ) ACDV- PLEASE PROVIDE FOR MY RECORDS FROZEN SCANS- PLEASE PROVIDE FOR MY RECORDS AUD- PLEASE PROVIDE FOR MY RECORDS CARBON COPIES-PLEASE PROVIDE FOR MY RECORD MANDATED PHYSICAL VERIFIABLE PROOF OF INVESTIGATIONS WHAT PROCEDURES USED TO VERIFY YOU ARE PROTECTING MY IDENTITY ACDV- PLEASE PROVIDE FROZEN SCANS- PLEASE PROVIDE WHAT IS YOUR JURISDICTION OF THE CLAIMS YOU REPORT-PLEASE PROVIDE CONSUMER FILE, CONSUMER REPORT, FILE DISCLOSURE-PLEASE SEND I AM REQUESTING MY CONSUMER FILES AND CONSUMER REPORTS-BOTH ARE REQUESTED. 

I DEMAND YOU VALIDATE/VERIFY THIS INFORMATION PROVIDE DOCUMENTATION BEARING MY SIGNATURE. 

MAKE ALL REQUEST TO RELIEVE YOUR AGENCY FROM YOUR FOUL POSITION OF WILLFUL NON-COMPLIANCE, WILLFUL NEGLIGENCE AND YOUR CONTINUED VIOLATIONS OF THE FCRA LAW. 

THIS SHOULD ALL BE COMPLETE UNDER 30 DAYS AS YOU FAILED TO DO PROPER INVESTIGATIONS WHEN PREVIOUSLY REQUESTED. 
CURRENTLY YOU ARE IN VIOLATION OF THE FCRA AS PER USUAL. 

15 U.S. Code 1681n 15 U.S. Code 1681i CEASE ALL CONSUMER REPORTING WHILE INVESTIGATION IS IN PROCESS PERMANENTLY DELETE IF UNVERIFIABLE, UNABLE TO SEND ALL REQUESTED DOCUMENTS. 

( ( PLEASE PROVIDE ALL REQUESTED ITEMS BELOW AFTER INVESTIGATIONS ) ) ACDV- PLEASE PROVIDE FOR MY RECORDS FROZEN SCANS- PLEASE PROVIDE FOR MY RECORDS AUD- PLEASE PROVIDE FOR MY RECORDS CARBON COPIE-PLEASE PROVIDE FOR MY RECORD MANDATED PHYSICAL VERIFIABLE PROOF OF INVESTIGATIONS WHAT PROCEDURES USED TO VERIFY YOU ARE PROTECTING MY IDENTITY XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Fl.
Product: Bank account or service

Sub : Reg. Account opening bonus {$350.00} Enquired and Verified several times with HSBC customer service through bank emails, phone calls and chat. I have been advised that the bonus promotion {$350.00} will be credited to my account by XX/XX/2017. So far it 's not credit yet on my checking account. Even discussed several times with customer service, the team is not knowledgable circling and not providing solution on my case. Hence, raising this complaint to resolve my issue : Few case history reference for the investigation : Checking Acct Inquiry ( XXXX ) Date : XX/XX/2017 We are pleased to inform you that our Online Processing Team has reviewed your request and confirmed that your account is eligible for the {$350.00} promotional offer. 
Your Checking Account should be credited with the {$350.00} by XX/XX/XXXX. 
Checking Acct Inquiry ( XXXX ) XX/XX/2017 Upon review, we notice that the {$350.00} Bonus is scheduled to be credited within the XX/XX/XXXX. 
Checking Acct Inquiry XXXX XXXX XXXX XX/XX/2017 : You will receive your {$350.00} bonus into your account within the next 7-10 business days. 
Checking Acct Inquiry ( XXXX ) XX/XX/2017 : Upon review, we notice that you have successfully set up two bills per month from your new HSBC Checking account via HSBC? s online Bill Pay for three consecutive months within 120 calendar days of your account opening. Please be informed that the last payment was initiated on XX/XX/2017. As such, you will automatically receive a {$350.00} welcome deposit into your account approximately within eight weeks from XX/XX/2017. 
Checking Acct Inquiry ( XXXX ) XX/XX/2017 : We have submitted a case to have the status of your promotional deposit investigated. Please allow us some time to look into this. 
Now, I have been told that about the eligibility criteria investigation again, which was investigated and confirmed by customer representative in XX/XX/2017 itself. 
Checking Acct Inquiry ( XXXX ) XX/XX/2017 : Thank you for your patience while we researched your promotional deposit eligibility. 
Since the account open date was after the Fall cut off date we are reinvestigating your eligibility. Please wait until the next month 's results are out. You will receive the gift by XX/XX/XXXX if all the criteria are met. 
I have lost my patience and faith with HSBC and it 's poor customer service, hence I 'm raising this compliant. 
Please investigate and resolve my issue at the earliest. 
Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I been a victim of identity theft these are accounts they opened with my name and they do not belong to me please removed them : 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

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Equifax 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 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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. 

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX - XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}.
Product: Credit reporting or other personal consumer reports

I received an alert from XXXX stating that the last 4 digits of my social security number are on the dark web. I placed a Fraud alert on all 3 bureaus XXXX XXXX XXXX and I received an alert from XXXX informing me that my Fraud Alert has been removed from Transunion as of XX/XX/2023. I attempted to log into my Transunion Account to confirm that my account was still on Fraud Alert and I was unable to successfully log into my account online. I called Transunion today XX/XX/2023 and the representative informed me that my freeze was on my account however my fraud alert was removed. I informed the representative that I have called or accessed my account online to remove a fraud alert. At that time the representative did advise me that she was updating my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made to partake in paying {$1.00} when I was shopping around for a home mortage loan. Then XXXX months later I was charged {$39.00} two days in a row. For a total of {$80.00}. For services that I never asked for in the first place. They never did anything for me except steal my money. When I called the company they stated that they could give me the same service for a discount at {$7.00}. I told them that they didnt do anything but steal my money and that I wanted my monies back. I stated that they are charging for services that they say are free. it even says that in their company 's name " XXXX ''.
Product: Mortgage

This all started back in XXXX 2014. My current mortgage co then approved me for a modification to lower my payments and interest rate. Payments were to start in XXXX 2014 and last payment in XXXX 2014. I made all payments on time thru XXXX 2014. Well as of XXXX 2014 my last payment was to be made to the new mortgage co that bought my mortgage Selene Finance. For the XXXX they did n't have an account for me to apply payment. Finally in XXXX I was able to make the payment. but they still had old payment amount. I explained the modification, they said it was noted in the file but has n't been uploaded yet should only be another week or XXXX before completed. XXXX 2014 I had my credit report pulled only to find out that my score dropped over XXXX points in XXXX months, I had a XXXX credit score took me a very long time to get there. To my surprise Selene Finance had reported late payments since XXXX of 2014. I have been in contact and even faxed my modification agreement and proof of the payments being made on time to them XXXX times over the last XXXX months. I have made my modification payment them each month. they still have not updated my file or applied all modification payments properly XXXX months after taking over my mortgage and they are still reporting me now XXXX months behind on my mortgage. I have talked and emailed Selene Finance several times no phone calls have returned, no emails responded to. All I keep getting from Selene Finance is " it should be updated in a week or XXXX '' Still XXXX months later getting the same answer. I have talked to other mortgage companies and they basically said I was XXXX royally by Selene Finance and good luck.
Product: Payday loan, title loan, personal loan, or advance loan

Acima keep denying me because they're saying they are unable to verify my identity. I've reach out to the reporting agencies and all the information is accurate. I've tried emailing Acima and it just gets rejected by their system. I've tried calling and they will not answer any questions just keeps telling me to reapply at a later time. Not explaining what's coming up as not verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have contacted Transunion several times about the non- factual inquires located on my credit report. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Also Transunion has had several glitches which is where the mix up with these accounts came from being on my credit report. aS YOU WILL SEE MOST OF THESE ARE DUPLICATES. REMOVE ASAP Please contact the companies below and investigate such occurrence. Also, the accounts listed have also been deleted by Other Credit agencies, please follow suite and delete these immediately. 

As part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

Please delete these non-factual records off my account immediately. 
ACCT NAME INQUIRY DATE XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

i send a {$2500.00} transfer from my TDBank checking account to my XXXX XXXX account tdbank cancelled the transfer and locked my online access, disabled transfers and XXXX. 

i called TDBank and they told me that i need to send a statement from the XXXX XXXX account to verify its mine, but the only option is to do in a brach store and i am outside XXXX until XXXX they dont have any email or FAX to send this document so i am attaching the document requested by TDBank to this claim for review attach also 2 forms of ID + the last TDBank debit card ( replace is pending as card was damaged )