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

This is a Generic Complaint for All Mortgage Lenders and All Credit Reporting Bureaus. I am asking the CFPB to Change the Rules for Pulling Credit Reports so that Borrowers have the Right to Select the " Version '' of FICO or Credit Scores used by Lenders for Underwriting. FICO 8 scores are what most consumers see and want, but most Lenders use the outdated Fico 2, 4 and 5 versions. This should be the choice of Consumers and not the Lenders on What version is used for Underwriting Credit. 
Mortgage Lenders should let Consumers choose FICO 8 for mortgage loan credit scores if we as borrowers want. The vast majority of lenders still rely on FICO 2, 4 and 5 scores, which are all part of a larger report mortgage lenders can obtain called the residential mortgage credit report ( RMCR ). This report contains credit reporting on an individual from all three major credit reporting agencies. However, Score Values differ greatly from Older vs. Newer versions of FICO. If newer versions help, consumers should have the right for a bank to use FICO 8 if a borrower pays for a FICO 8 reporting service. 
XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( 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 ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a victim of data breach/identity theft. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX  - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, XXXX XXXX were provided to me by an entity in XXXX PA, that was in the process of being sold to a major University, during the shut downs triggered by the start of the XXXX pandemic. The University subsequently sold the entity to a XXXX system. Somehow in those transactions, an inaccurate bill for {$630.00} was generated, and refuted by me. The hospital ( which was not the original service provider ) never responded and a few months later the bill was sent for collections to XXXX XXXX XXXXXXXX XXXX XXXX I again rejected the bill and asked for documentation from XXXX, but received none. The matter then landed on my Experian Credit report in XXXX,, but after my complaint to Experian, the adverse and incorrect credit info was removed from my credit report. In XX/XX/XXXX, the adverse and incorrect credit info appeared, for the first time, on my XXXX Credit report, and is now also in dispute. The collection agency ( XXXX XXXX XXXXXXXX XXXX XXXX  ) is a XXXX party to the original matter. They are unresponsive and continue to distribute incorrect, adverse and damaging debt data.
Product: Credit reporting or other personal consumer reports

the information was not provided from the FURNISHER NOR FROM THE CREDIT REPORTING AGENCY
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries 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 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Transworld Systems inc. 
XXXX XXXX  XXXX XXXX XXXX XXXX, Pa XXXX XXXX Date XX/XX/2018 our account # XXXX creditor XXXX XXXX XXXX XXXX 's Account # XXXX Current Balance {$360.00} Called them to tell them this bill was not mine. Told them that I own vehicles and do not owe this. Transworld wanted me to verify my information or give them my information and when I refused they hung up on me. This is a false claim against me. It is a scam and would like you to help me so this is not on my credit, and put this fake company out of business. They are scamming people for their information.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX ***** XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXXXXXX XXXX XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$1200.00} Balance updated XX/XX/XXXX Transunion ***** XXXX XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXXXXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX ***** XXXX XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is reporting an inaccurate and inconsistent information in my credit report. I have disputed the inaccuracy on many occasions but Trans Union simply send me a letter that states account verified as accurate without providing me with the description of the procedure used to determine the accuracy and completeness of the information contained in my credit report as required by the FCRA. 
I have requested the description of the procedure used to determine the accuracy of this account from Trans Union on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but have not received anything back at the time of filing this complaint. 
Trans Union is therefore in violation of 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) which states : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and updating because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Jefferson Capital Systems LLC, I hope this communication finds you well. I am writing to address serious concerns regarding potential security fraud associated with my investment with Jefferson Capital Systems LLC and the actions taken by XXXX XXXX XXXX, a third-party debt collector. As an investor, I provided Jefferson Capital Systems LLC with an asset-backed security, aligning with the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 16815-2. Jefferson Capital Systems LLC, as the original creditor, is obligated to furnish accurate information to credit reporting agencies. The absence of a system to verify billing statements with investors, as outlined in 15 U.S.C. 1666 ( b ), raises significant questions about the permissible purpose for reporting such information without explicit written consent or a court order. Jefferson Capital Systems LLC, a third-party debt collector, I want to emphasize UCC Article 9 - Secured Transactions ( 9-609 ). This section mandates that a secured party must conduct enforcement in a commercially reasonable manner.

The discrepancies in my billing statements suggest a potential violation of UCC Article 9 ( 9-609 ) guidelines by Jefferson Capital Systems LLC . Moreover, a critical issue in the billing statements has come to my attention.

A billing error is present, portraying my dividend check inaccurately as an amount I am required to pay.

This misrepresentation is a serious concern and constitutes security fraud, distorting the nature of my financial obligations.

I request a thorough investigation into both the security fraud concerns and the billing statement error.

This investigation should include a comprehensive review of my account, along with a XXXX XXXX, to ensure transparency and validate the financial details associated with my investment. I must also highlight that Jefferson Capital Systems LLC is attempting to collect a debt I never owed. 

My primary objective is to resolve these matters amicably. A comprehensive and timely correction of my credit report, addressing the billing statement error, and halting unwarranted debt collection are crucial steps for the best interest of all parties involved. I kindly request the immediate Deletion of this account in my credit report, aligning with federal laws, particularly the FCRA, and UCC Article 9 ( 9-609, 9-625 ) requirements.
Product: Money transfer, virtual currency, or money service

Since using Cash App direct deposits to receive my paychecks, they have taken {$59.00} out of every paycheck Ive had direct deposited into my account for a total of {$880.00} when under their terms theyve acknowledged and provided a public document stating there are {$0.00} in fees for direct deposits and no fees should be taken from them. There is XXXX percentage rates or fees for anything other than their instant money transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

My escrow increase my payment in XXXX and the lender 's notification was late. When I was past due, they put my partial payment in suspense and did not notify me of late status even though they have my cell and email. When I received XXXX bill, I immediately called and provided an echeck payment and was told it wouldn't be late and they would waive late fee. They didn't process the payment and reported it late to all credit agencies. When i called back again, they stated payment did not go through and they should have called back. I made payment again and they processed it. They still reported me late and I need all 3 credit reporting agencies updated that payment was made and it's not late. My credit was reduced by 100 points because of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report 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 have been complaining with the CRAS for months ( transunion, XXXX, and XXXX ) about the inaccurate and unverified items that they are reporting on my credit report. not only that the items that are more than 7 years never goes away and it is stressful and causing me not to get credit. also my personal information needs to be updated as well, please assist me in correcting this issue
Product: Debt collection

on XXXX i requested a validation of letter concerning the validity of this alleged debt. They failed to respond. I am aware of FCRA and FDCPA law. This agency is in violation under 15 USC 1692 G and 15 USC 1681 and also in violation of the HIPPA law. I am requesting the removal of this account
Product: Debt collection

I was a victim of identity theft I received notification that a conns appliance was added to my credit report for XXXX I contacted them and told them I never authorized and contract with them nor did I ever have a contract with them for anything please delete the account as fraudulent but they never responded
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED Please remove this account from my credit report since it is unauthorized and unrelated to me. I urge you to investigate and resolve any additional inaccuracies.
Product: Debt or credit management

I just heard about the Lexington Law settlement. I used Lexington back in XXXX. What would I need to do to receive my settlement?
Product: Credit reporting, credit repair services, or other personal consumer reports

Prestige Financial continues to add interest to a loan that they charged off for profit and loss. By doing so they are updating the account monthly in an effort to cause my credit score to be low.
Product: Mortgage

I was able to pay off my mortgage earlier this year. I'd been saving up to finish with 3 extra large payments of XXXX each. My mortgage belongs to Arvest Mortgage. 

I set up my bank to pay my mortgage company 3 checks of XXXX each, each 2 weeks apart. I bank with XXXX, an online bank. 

My bank had issues and sent 6 checks before I caught it. By their own admission ( in writing ), the " send x checks '' feature was broken. Since the payment was made by wire transfer, my bank says they can't do anything about it. 

Of the last 3 checks, 2 were rejected and credited back to my account by the mortgage company. The last one never was. So now I'm 3k short. 

I have tried contacting the mortgage company only to have the customer service person tell me " they are looking into it '' for the past 3 months. I tried sending an email and still no response ( it's been 1 month ). All calls and emails have been documented on my end. 

I feel stonewalled by both institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Finance I am writing a final statement to inform you that I do n't believe I 'm treated fairly. My case with PDQ seems to get thrown out everytime without anyone taking a close look at it. I need a supervisor at both CFPB and PDQ to look over this case along with the account. It is a fraudulent error account on my credit report. I am only left to file a lawsuit against PDQ, XXXX, & XXXX. This is a situation that has been ongoing for a couple years and it seems to get over looked. If no one looks after this case, I am left to file a lawsuit against the two bureaus along with PDQ. This is not a threat, i am fed up and wo n't allow a fraudulent error to remain on my credit report that is n't mine. This case has been looked over and someone needs to take a very close look at it and not allow it to be over looked this time around. If no one looks over this case correctly I will post all the credit bureaus and PDQ on public record if this gets over looked and a positive resolution is n't correct on my credit file. Please investigate this case closely. I sent in certified letters to PDQ, XXXX XXXX & XXXX to review this case and I asked for any documents from each credit bureaus along with PDQ and no one sent me any documents bearing my name or signature. It is very frustrating and embarrassing and comes with great pain to be going through a situation where a fraudulent error is torchuring my life and credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below story is regarding an incident when Macy 's retail company in error severely damaged my credit score. The situation took place in 2016 and to this day it has not been resolved. My credit score has not improved since. Please help me! I do not know what else I can do. Here are the details : Macy 's damaged my credit score by continued monthly fee charges on my account that was closed back in XX/XX/2016 (! ) via the phone. At that time Macy 's representative assured me that my account is fully paid and closed. 
Shockingly in XX/XX/2016 I received a letter from Macy 's stating that I owe hundreds of dollars! I talked to yet another representative who checked my account and assured me that it was a mistake on Macy 's part, and it will be taken care of within the next 30 days. I asked and received a written confirmation dated XX/XX/2016 ( copy is attached ). 
Early in XX/XX/2016 I discovered that nothing changed on my Macys account and my great credit score was badly damaged by Macy 's reporting of the incorrect & damaging information to the credit reporting agencies. 
In XX/XX/2016 I talked to multiple representatives at Macy 's : Customer Service, Disputes Department and other groups spending hours on the phone over the course of a few weeks. NOTHING has been done so far. The superficial fee is still there and accruing and most importantly, my credit score is still very low.

Every time I called, I had to explain this situation all over again, being transferred from a person to person, being disconnected in about half of the calls. I call again, explain again, suffer bad connection, being put on holds, calls being dropped or promised that the situation will be resolved and asked to call back in a few days. Only to repeat this vicious circle all over again. 
On XX/XX/XXXX I shared my story on XXXX and a Macys rep responded and promised to help. However, nothing has changed, and my credit score have not improved since despite my diligent payment on my utilities and other bills.

Sadly, my story in not rare. Search the internet for Macy 's Credit Card fraud/issues to see other customers stories of suffering. 

Please help me to repair my credit score. 

Thank you!
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXXXXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/year> XXXX 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 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have a Home Depot Fortiva credit card. I prefer paying my bills with my bank " XXXX XXXX '', it is safe to use. I made a payment on XX/XX/2020. The bank put it through, and it is marked as processed. They are sending me non payment notices. I called and they said they don't have it. I faxed them a copy of the payment, I mailed them a copy of the payment. Now they are reporting it as a missed payment. I also automaticly made another payment on them XXXX of XXXX. I am getting calls, text messages, emails of non payment. They do not speak english well which makes it hard to talk to them. They actually told me, You should only pay on our website. I do not trust payments on websites that is why I use my bank or XXXX. Please help me they are ruining my credit.