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

XXXX, Experian, & XXXX continue to report information that is incorrect. The account listed as XXXX XXXX Account # XXXX has late payments and other information within the account is different from each consumer agency this means this account has not been properly verified or investigations into my previous disputes. Neither consumer agency has access to my private transactions history if they did this would be a violation of my right to privacy and then you could be held civilly liable for damages. Account Rating is different, Creditor Remarks are incorrect, Last Payment, Creditor Type. This account could not have been properly handled due to these inconsistencies.
Product: Credit reporting or other personal consumer reports

the company are reporting a wrong infomation to my credit report.. ( late payments ) .. heres the account>> XXXX XXXX with account number XXXX the first late payment listed on this account is wrong and you need to remove this account. 
XXXX  with account number XXXX I paid on time but you're listing me as late - you need to update to paid as agreed. 
XXXX with account number XXXX I paid on time but you're listing me as late - you need to update to paid as agreed. 
XXXX XXXX XXXX with account number XXXX Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed XXXX XXXX with account number XXXX Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed XXXX with account number XXXX Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed XXXX XXXX with account number XXXX the first late payment listed on this account is wrong and you need to remove this account.
Product: Mortgage

My mortgage was sold to Carrington Mortgage Services llc and it has been absolute chaos since. Under RESPA, I was never informed by either the original mortgage company or Carrington. The first piece of mail I received from Carrington was a late fee notice! On XX/XX/24, Carrington sent a man to my residence to see if anyone is living in the residence. He said it was because of payment delinquencies ; but this is erroneous because Carrington 's records are all wrong. Carrington still reflects that I am over XXXX XXXX  in arrears for Escrow, has my monthly payment amount wrong AND is holding over {$1800.00} of my money in some obscure account called " unapplied funds '' despite consistent communication that this is unlawful ; it should be applied toward my Principal or returned to me.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an essential worker in XXXX during this current XXXX virus pandemic. Due to circumstances beyond my control, I need to vacate a rental home of more than 13 years, and began looking for a home to purchase. The mortgage would be less than rent in XXXX XXXX. As the search began and a property was located to go and see- to determine that I was serious in the current COVID 19 environment, a mortgage pre approval which included a credit check had to be conducted or I would not be able to go and see the property. On XX/XX/XXXX a credit check revealed my credit score to be XXXX. The house I was interested in was sold before I was able to go and see it. On XX/XX/XXXX I went and saw another property, offered a bid that was accepted, and needed to go through XXXX bank for this specific residence. On XX/XX/XXXX XXXX bank conducted yet another credit check- which came back as XXXX. This score is below what XXXX bank accepts for their best rates. This drop was due only to the first credit check that was due to the COVID virus requirements to have a credit check before being able to simply see any property. This is totally unfair and does not provide a true reflection of credit worthiness. This process must be corrected and somehow flagged during this pandemic time, when this is bound to happen over and over again to others as well. My score should not be affected in a negative manner due to the requirements of social distancing and intent on real estate. I would like this to be corrected- I have worked for years to better my scores. This is yet another devastating affect of this pandemic that is going unseen. Please correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Subject : XXXX XXXX XXXXXXXX loan rejection due to lack of information in my credit reports I am filing a complaint against XXXX XXXX XXXX and TransUnion ; the former rejected my application for a loan to buy a used car. In order to get the online price for the car, I had to finance it for at least 4 payments. I already put down almost half of it. 

As far as I'm concerned, my credit rating is extremely good ;. I have NEVER been late on a payment. Not when paying off my house ( in the XXXX 's ), any of my previous car/other loans ( earlier ), or any of my current/previous credit cards. Nearly 5 decades. 

. My credit card balances are very low, and I pay them off every month to avoid interest charges. 

When I called the company and asked why my loan was rejected, they said I have " insufficient/limited credit history ''. THIS IS A COMPLETE LIE!!! They said to call TransUnion. I did. I was told that they only keep info for the last 10 years, so ALL MY PREVIOUS LOANS WERE NOT AVAILABLE!!! This is why I was rejected!!! 

I am extremely dis-appointed in BOTH OF THESE lousy, horrible companies! HOW AM I SUPPOSED TO PROVE THAT I HAD MY LOANS IF THERE IS NO LONGER A RECORD OF THEM?????!!!!! THIS IS COMPLETE GARBAGE!!! I AM TOTALLY SCREWED BECAUSE THEY DON'T KEEP A RECORD OF ALL MY PREVIOUS LOANS, AND MY REJECTION WAS BASED ON THIS LACK OF INFORMATION!!! 

My copies of my credit reports only start in XXXX. As for my house loan, all I have is the last payment information where they said it is paid off, but no history over the 17 years I had it. And no copies of my earlier car/other loans. 

I am now FORCED to pay for the entire car, and I will probably NOT get the online price, meaning, because of these lousy companies, I am probably FORCED to un-necessarily pay more for it!!! 

I can not believe that they treat people as low-life GARBAGE! I do not deserve to be treated so horribly by such companies!!!
Product: Debt collection

I am not liable for this debit with XXXX XXXX. I do not have or never held a contract with the creditors Listed below they did provide me with the original contract as requested Using 15 USC 1681a2 I did not give written or verbal permission to have these accounts furnished on my credit report. I demand the negative accounts be removed from my account. 

MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent in a letter more than once from a XXXXXXXX XXXX  agencie, I have called over & over. I have given them everything they have asked for & gotten no help on this matter. I feel not heard & that my voice isnt good enough, so I gave u many voices & still ignored.
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts has violated my rights. 15 U.S.C 1681 SECTION 602 A. Clearly states I have the right to privacy 15 U.S. C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681S-2 ( a ) ( X1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Old addresses are still on my credit report. I have not given written permission to publish and information on my credit report. These old addresses are causing my mail to be sent to incorrect addresses and I am receiving mail for other people for these addresses. They need to be removed from my credit file now. 
I have rights, I am a consumer and have not given written permission for this information to be published.
Product: Debt collection

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : NO COMSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION, OTHER THAN RECORDS OF CONVICTION OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BEILEVE THAT THE INFORMATION IS INNACURATE.
Product: Debt collection

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 
I have not supplied proof under the doctoring of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt nor therefore any such debt in fact exists Please delete this account immediately from all three credit bureaus.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I opened a Citibank business checking account in XX/XX/2022 with {$38000.00}. Within one week, they'd frozen the account and submitted it for fraud investigation. I was informed that they had 30-90 days to complete their investigation and close my account, but it's been seven months and I still have no answers ( or my money ) despite multiple visits to my branch/the manager and calls to the fraud department. The funds have cleared the account of the issuer and are sitting with Citibank. I want them to close my account and return my money.
Product: Credit reporting or other personal consumer reports

I sent a complaint through the CFPB to Transunion on XX/XX/24 about inaccuracies and the fact that I never gave XXXX XXXX, XXXX XXXX, nor XXXX written consent to disclose my information to credit reporting companies. I thus requested Transunion to delete the account from my credit report. Although Transunion updated the account, I requested for it to be taken off of my credit report. From Transunions response, it is clear they did not fully read my complaint. XXXX  XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate and I never received a 1099-C from XXXX XXXX. Also XXXX is in violation of ( FERPA ) Family Educational Rights and Privacy Act because I never gave written consent for them to report my info to the credit agencies. This is why XXXX has already deleted XXXX XXXX and the XXXX  from my credit report. Therefore since XXXX deleted these accounts how did Transunion verify them? I added screenshots of the deletions notice from XXXX. In order to confirm that I did not grant these accounts permission to report to my credit report and to validate my account, I called Transunion and inquired about their investigative procedure. The agent informed me that they had simply forwarded my letter to the creditors, and they updated it with any information that the creditors reported back. That is not a thorough investigation. In fact A reasonable investigation under FCRA 1681s-2 ( b ) requires the furnisher to examine sufficient evidence to determine whether the disputed information is accurate and that's not what happened according to the agent I spoke with. 15 U.S. Code 1681i - Procedure in case of disputed accuracy - ( 7 ) Description of reinvestigation procedure - A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( i ) - 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 ; BY NO LATER THAN 15 DAYS after receiving a request from the consumer for that description. Consequently, I require a comprehensive report on the investigation that was carried out to confirm that I gave XXXX XXXX permission to share my information on my credit report and to verify the innacuaracies. If I don't hear back from you WITHIN THE NEXT 15 DAYS, THESE ACCOUNTS NEED TO BE DELETED IMMEDIATELY! 1. The names and business ' addresses of each individual with whom you verified the information above, so that I may follow up. 2. The date you contacted the individual furnishers of information. 3. The method of communication you used to verify the information.
Product: Credit card

Bank of America wanted to changed the terms of my credit card that I have had for over 20 years. 

They say I have to have a bank of America checking account to qualify for the premium points. I pointed out that my Merril Lynch checking account literally says its a BANK of AMERICA Account. 

They claimed it doesn't count.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I am confused how the credit bureau is reporting information that causes by credit score to dropped tremendously. Over the last 2 months my score went from XXXX to XXXX and continues dropping and no one can explain to my why. The information by showing on the credit bureau site is not clear at all. I need your help with providing me answers to my concern and with stopping my credit to fall. 

thank you
Product: Debt collection

I sent my letter off XX/XX/2023 I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. I have also filed an FTC report the number is XXXX. 

According to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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. 

They stated my account was verified, but how is that possible if they did not do a proper investigation according to the law? Also every piece of information on these are still accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

I have called Wakefield personally several times and the one representative told me to stop watching XXXX. I have sent letters and made calls to all three bureaus. This is preventing me from moving forward. As you see this is the only negative on my account. Please help me to get this removed.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$670.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$190.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

According to the fair Act 15 USC 1681 section 602 states ACCURACY AND FAIRNESS OF CREDIT REPORTING : ( IN WHICH THIS IN NOT BEING HONORED OR BEING REPORTED TRUTHFULLY ) 15 USC 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer. XXXX, EX [ ERIAN AND XXXX are all unlawful reporting inaccurate information. As the consumer I have the right to make sure my private information isn't being shared this statement is backed the 115 US 6801 and it states " It is the policy of Congress that EACH financial institution has an affirmative and continuing obligation to respect the privacy of it costumers and to PROTECT THE SECURITY AND CONFIDENTIALITY OF THOSE NON PUBLIC AND PERSONAL. 15 USC 1681-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISHANY INFORMATION RELATING TO A CONSUMER OR TO ANY CONSUMER REPORTING AGENY IF THE PERSON KNOWS OR HAS RASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. THESE COMPANIES SELLING MY INFORMATION AND COMMITTING SECURITIES FRAUD. I PULLED THEIR XXXX AND XXXX FILINGS AS WELL AS DOWNLOADED ALL MY DATA PLUS MY CREDIT PROFILE AND THE INACCURACIES ARE STILL THERE AND THEY FAIL TO PROPERLY INVESTIGATE THE ISSUES ATE HAND AND FAIL TO PROVIDE PROPER PROOF. NEITHER COMPANY ARE MAINTAINING REASONABLE PROCEDURES ALSO 12 CFR 160.7 STATES " A CONSUMER MAY EXERCISE THE RIGHT TO OPT OUT AT ANY TIME " I AM OPTING OUT OF YOUR ILLEGAL REPORTING SERVICES ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed seeveral disputes to remove a bankruptcy on my credit file XXXX had this information updated but XXXX and XXXX has not removed. I have contact my lock Bankruptcy court.Lexis Nexis who verified they have not supplied an personal information to any 3rd party! I also contacted pacer the source of public record whom also informed the same I have provided and supplied proof and statements from all sources and demand that the bankruptcy be deleted fro my file immediately. public records reported on credit reports must be checked by the credit bureaus for updates every 90 days to ensure their accuracy. If the records are not checked, they should be removed from the credit report. Bankruptcy records already hold these strict requirements, which is why the changes dont impact this type of public record. According to 15 U.S.C. 1681 The Credit Reporting Agencies were NEVER given the role to furnish credit reports ; they ASSUMED the role. This is exactly why CONGRESS implemented the FAIR CREDIT REPORTING ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7900.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681 and they violated my rights numerous times, I demand the accounts listed below be removed because I have the right to privacy and I did not give Equifax permission to furnish these accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX