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

XX/XX/2018, prior to obtaining a auto loan, I checked all 3 credit bureaus reports, as there were major discrepancies in my pre-approval XXXX  and XXXX score ( s ) ... 670-672 -vs- my monthly monitoring of actual scores results XXXX. 
Of the 3 credit major credit bureaus, Experian was only agency to include multiple errors. Multiple ( 5 ) accounts from my father 's ( Senior 's ) credit file ( credit card accounts ) were reported as mine, and applied to my ( Junior 's ) credit file/report. 
After consulting my parents, my mother ( auth.user of accts ), contacted the card companies, and each denied reporting the errors, each stating that they did not have my ( Jr 's ) personal information ( social, DOB, etc ) that would even allow them to make such reports/errors. 
All erroneous accounts were disputed with Experian as " not mine, not authorized user ''. ( I also signed up for Experian monitoring service to more easily monitor this problem ). 
Experian very quickly removed all of the errors, and sent me update stating corrections completed, file has been updated. 
However, on XX/XX/2018, when applying for an auto loan with XXXX XXXX, XXXX XXXX, etc ... all debt errors ( $ 24,000+ ) was still reported as mine, therefore causing my 'debt ratio ' to be vastly incorrect, and as a result, 4 auto loans companies have denied me credit stating " credit card debt too high ''. 
Hard inquiries are now present ( expected ), with very negative results ( not expected ), and long term results that should have never occurred. 
Today, XX/XX/2018, I was going to print, and send copies of Experian credit file errors/corrections to the 4 loans companies, in hopes that it by some miracle, it would help me, although very doubtful, now that they have a negative image of me. 
However, in trying to do so, only one of the many corrected disputes are showing as having occurred. Obviously, this will be in total contrast with the report ( s ) the auto loan co. 's have on file. 
Three of the five corrections were with same company ( XXXX XXXX XXXX  ). I don't know if this has anything to do with the lack of 'corrected results ' showing. However, when Experian reported errors as mine, they were reported individually, therefore should be shown as corrected individually. 

Thank you very much.
Product: Vehicle loan or lease

I need my XXXX title to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX already got paid for ... or I will just put lien on XXXX XXXX whole business XXXX YALL THINK I DONT KW WAT THE XXXX GOING XXXX XXXX XXXX XXXX AND STILL IS EVEN IF I GET CAR BACK JUST TO SHOW HIS XXXX XXXX I CAN JUST LIKE HE DOING IMMA PLAY YALL XXXX BETTER THAN YA XXXX XXXX  ... and doing XXXX XXXX today since XXXX XXXX want to sit up and lie to my XXXX face go XXXX some were which y'all clone XXXX and taking y'all XXXX to court for misleading practices XXXX STOPS WITH ME AND DESE XXXX GAMES WE OUT WITH KIDS AND Y'ALL XXXX WANT TO PLAY GAMES GIVE MY XXXX BACK FOR IT GET REAL UGLY OUT HERE LAST WARNING NOW TRY ME XXXX XXXX XXXX XXXX IN THAT INDIANA OFFICE U CAN BE FOUND for XXXX with my intellegence ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Never open up a truist bank credit card from XXXX to XXXX. This is fraud and theft. This is on my credit report from 3 credit bureaus and needs to be remove immediately. The account # on my credit report is XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {>= $1,000,000} XXXX XXXX XXXX XXXX Balance : {>= $1,000,000} XXXX XXXX XXXX XXXX Balance : {>= $1,000,000}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2014, CHOICE RECOVERY add a derogatory mark on my credit reports. CHOICE RECOVERY did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Debt collection

This complaint is against XXXX XXXX XXXX, not sure if they go by other XXXX names. I spoke to Dept of Justice, Attorney Generals office, agent XXXX XXXX the other day and new developments have been made in this case. This creditor has been collecting from XXXX ( XXXX XXXX ). I was out of the country and missed my mails. Upon return I saw this comcast account been in Collections. I immediately called XXXX and the Executive Regional Team helped me with this account, she told me upon full payment, all credit collection activity will be removed. So I paid this in full. However, couple weeks later till date, this account still appears on my credit report. 
I called Collections company today, spoke to agent named XXXX XXXX, I told him that XXXX XXXX has authorized this account to be removed and deleted, he laughed and said why would he do that. I also told him that I spoke to XXXX agent and I was informed another name this Collections company go by, he told me he does not care about XXXX  or any letter received from XXXX  or XXXX XXXX XXXX complaints. He abruptly hang up on me. 
XXXX XXXX XXXX  are a corporate group offering Accounts Receivable Management ( ARM ) and Business Process Outsourcing ( BPO ) services. XXXX has received many consumer complaints alleging violations of the Fair Debt Collections Practices Act ( FDCPA ) such as failing to provide verification of a debt. If you have been contacted by XXXX, make sure you know your rights before responding. 

I pray and request if your office can help me bring any Justice from this Collections company abuse and disrespectful behavior of their employees, such a disrespect and unethical way of conducting business, XXXX there are numerous complaints filed against XXXX with XXXX XXXX XXXX. I would like this Credit Collection to be removed from all 3 credit bureaus, this is affecting tremondously financially and inability to get any loans. Here is the email from Comcast Vice President. Should your office need further info, pls kindly let me know. 

Respectfully XXXX XXXX
Product: Debt collection

The representative that left a message with my son said they were calling with the XXXX County Court. The rep I spoke with alluded to the fact that since it was n't him it was n't a problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

After obtaining a copy of my credit report I noticed multiple unauthorized inquiries from the same company all around the same date. There a re 3   XXXX   XXXX   XXXX  for 3 days in a row that I did not authorize.  The 2 I am  disputing is  XXXX / XXXX /  XXXX   and  XXXX / XXXX /  XXXX  . I 'm not sure why this creditor ran my credit multiple times. The next  is 2 in quiries for  XXXX   XXXX . The oth er 2 is  for  XXXX  and  XXXX  I am not sure who or what these companies are.     On  XXXX  there ar e 2 inquiri es per creditor. I did not authorize  XXXX   XXXX  to run my credit on  XXXX / XXXX /  XXXX   or  XXXX  on  XXXX   XXXX . I am not sure how these creditors got my information. I called the credit bureaus and was told to contact the creditors directly, I did so and I was informed to contact the bureaus. I sent the creditors certified letters and not  one of t hem has responded but  XXXX   XXXX  for the  one  inquiry  XXXX / XXXX /  XXXX  .     The credit bureau proclaims to have verified I authorized these accounts, I asked them to provide me with the information they used to validate these accounts but my request have went ignored.
Product: Checking or savings account

I filed an insurance claim for a roof repair. When the checks came in my ex-spouse, the mortgage company, and I all properly endorsed the checks and I gave them to the contractor for the repair. ( I did not know at the time that I should have deposited the checks myself and when they cleared paid the contractor. ) The contractor deposited the checks ( totaling {$11000.00} ) into his Chase Bank business account on XX/XX/2022. The checks were accepted for deposit into his account and despite the checks being drawn on another Chase Bank account he was told that there would be a 7 day hold on the funds. At the end of the 7 days it looked as if the funds had deposited into his account and he completed the roof repair. On XX/XX/2022, Chase Bank removed the funds from his account claiming fraud ( and closed the contractor 's account ). The bank wanted all of us to go into the local branch to prove our identities. My ex-spouse does not live in the same area anymore and we were trying to find out if he could go to a branch local to him when the Chase Bank representative informed the contractor that the checks were being shredded and I would need to request they be reissued. I contacted the adjuster working my claim to request the re-issuance of the checks only to be told that Chase Bank cleared those checks from the insurance company 's account on XX/XX/2022 and the funds could not be reissued. When I received the recoverable deprecation checks for this claim I went to Chase Bank with my ex-spouse to cash the checks. Chase Bank refused to cash the checks even though they were drawn on a Chase Bank account. I had to open an account and then my ex-spouse and I had to go through an " identity verification process '' to enable the funds to be released after a 4 day hold. I asked about the other funds that were in Chase Bank limbo so I could pay my contractor, I was told that now that my ex-spouse and I had come in the contractor should be able to get the funds. No, he has not been able to get the funds, the bank refuses to deposit the funds in my account so I can pay the contractor, and now I am facing a mechanics lien from the contractor and since I have sold the house a possible lawsuit from the new owner. All because Chase Bank claimed that the checks were fraudulent after the funds had already cleared the insurance company 's account. If this were an individual stealing in excess of {$11000.00} it would be a felony. Please advise as to the recourse for an individual when a bank steals in excess of {$11000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late ! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Mortgage

I check my mortgage and escrow account regularly. For months my escrow account had a surplus of {$570.00}. The website stated that Nationstar Mortgage will be mailing a check in that amount to XXXX XXXX XXXX, XXXX, New York. On XX/XX/2018 Nationstar Mortgage did an annual analysis of the escrow account and sent me a check in the amount of {$140.00}. 

I called and asked where the check was for the {$570.00}. I was told that the check was sent to me. I stated that I never received a check for {$570.00}, only {$140.00}. I was told that a stop-payment would be put on the check and another check would be issued. A week later I called again and was told that whomever was to get the check issued failed to get the appropriate approval and the issue was sitting on someone's desk. Several days later I called again and asked where the check was for {$570.00}, and was told that I received the check and cashed it. I again stated that I never received a check for {$570.00}, and only a check for {$140.00}. They have not gotten back to me.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

if noticed i am a victim of identity fraud with the accounts listed below XXXX   XXXX XXXX XXXX XXXX Last reported XX/XX/2019 {$580.00} Reported balance XXXX   XXXX XXXX Last reported XX/XX/2019 {$900.00} Open balance 01 XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/2019 {$680.00} Open balance 11 XXXX Original creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in 3 requests to un-freeze my Sagestream and they have all been ignored. I requested to un-freeze online and over the phone. I have called and left several messages and still have not received a response. I requested to remove security freeze using my PIN number on the Sagestream website.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, Equifax are ALL Falsely reporting a credit card charge off from XXXX XXXX XXXX that is 8 years old. All 3 basing the information on information provided by XXXX XXXX XXXX .... but XXXX XXXX XXXX claims they have no record. XXXX XXXX XXXX claims their records only go back 7 years and they have NO information .XXXX, XXXX , Equifax are Damaging my credit with NO documentation from XXXX XXXX XXXX that would Support a Derogatory credit card report.I have contacted all 3 agencies and all 3 Refuse to provide documentation to support their consumer credit reports
Product: Credit reporting

Trans union has closed my file before I am me and XXXX here we go again. They do n't need proof of anything they have it. here are my list of problems with them 1. CA state tax liens there are XXXX of them they keep verifying them they pad and released but that 's not the issues the problem is the dates the amounts and who they belong to. I want the method of verification I want to know who you speaking to and at what number you contacted them I want to see all paper that was included in that verification and just saying the court is not good enough because it does not meet FCRA standers.2. The being verified I am requesting method of verification such as filing dated dismissal date what was included in the BK address used in the filing and whom you spoke to and when you spoke to them and at what number so I am to talk to them in regards to your verification Well that brings me to the number 3 The federal tax liens you have it all wrong the dates the amount whom they belong to and that they are withdrawn given that again I am requesting method of verification it is my right and your duty to provide me with this information or remove it under the FCRA they also are reporting XXXX collection accounts from XXXX XXXX XXXX this company is being reporting illegally on my credit and this company has been reported to the HHSS. GOV because of hippia violations and they are now involved in that 4 they are also reporting XXXX and they agreed to be removed through this web site
Product: Credit reporting, credit repair services, 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 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 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: Credit reporting or other personal consumer reports

The listed accounts below are still showing late payments on my credit report despite the multiple letters and appeals sent to Experian. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or a customer service representative. Please UPDATE these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Spoke to a counselor at XXXX XXXX and they suggested that I can put any missed payments on the back end of the mortgage. The mortgage company will not allow that they won't put the Miss payments in the back end they're asking for the full amount of Miss payments for the past 12 months up front. The XXXX XXXX representative said that they should allow this and to find out why and if not to schedule a conference call
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite 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. XXXX ) 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. These are the accounts XXXX XXXX XXXX XXXX XXXX and many more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a Account from CCS Collections {$400.00} us still on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 Multiple inquiries did NOT count as one when applying for finance or even just a pre approval. 

All below, were posted XX/XX/2020 and I had no idea they were supposed to count as One. 

XXXX XXXX XXXX ( two within the same day ) Coaf XXXX XXXX XXXX XXXX XXXX -- XX/XX/2020 XXXX XXXX XXXX XXXX ( both in the same hour ) I remember these when trying to get pre approved for an auto loan, and was told they should count as One if applied multiple in the same day.
Product: Credit reporting

Yet again you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being report accurately. Additionally, please provide the name, address and phone number of each person who personally verified this account, so that I can inquire about how they " verified '' the alleged account, without providing any proof, bearing my signature. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally bound contractual obligation to pay you the alleged amount. An employee looking at a computer screen, seeing my name listed in their database is NOT verification or validation of any debt. 
Be aware that I am making a goodwill attempt to have you clear up this matter. The listed item entirely inaccurate and incomplete, and a represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.