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

In sight of that my last complaint was over looked Im going to separate each account so they can get resolved accordingly. I am in need of help because I am being harassed by a debt collector who is sending letters of intent to sue. In accordance with the Fair Credit Reporting act. The ACCOUNT below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have told the XXXX, Transunion, and XXXX multiple times to reinvestigate ( XXXX ) XXXX XXXX ( Transunion ) XXXX XXXX  XXXX. 
However they stated, XXXX XXXX XXXX XXXX response Company responded on XX/XX/2023 A summary of the results are listed below : Trade : XXXX XXXX XXXX XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : CREDIT LIMIT, ACTUAL PAYMENT, SCHEDULED PAYMENT, DATE OF MAJOR 1ST DELIQUENCY REPORTED, ADDITIONAL INFORMATION Trade : XXXX XXXX XXXX XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ACTUAL PAYMENT, SCHEDULED PAYMENT, DATE OF MAJOR 1ST DELIQUENCY REPORTED NON REPORTING DISPUTES and TRANSUNION INTERMEDIATE HOLDINGS , INC . Response Company responded on XX/XX/2023 In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXXUPDATED ; I have not heard anything from XXXX yet ; XXXX and Transunion have stated everything was complete and accurate. But how is that possible if Last Verified is inaccurate yet updated twice, Date of Last Activity is inaccurate yet updated twice, Date Reported is inaccurate yet updated twice, Date Opened yet updated twice, Dispute Status is inaccurate yet updated twice, Payment Status is inaccurate yet updated twice, Last Payment is inaccurate yet updated twice.

According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. Also the Credit bureaus took more than 30 days to complete my investigation ; certified mail tracking COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023
Product: Debt collection

Today I received in the U.S. Mail a letter dated " XXXX/XXXX/XXXX '' from " XXXX '' with a copy of my " XXXX '' credit report. Under the " Adverse Account '' section, there is only 1 false/Identity Theft listing. It is from a debt collection agency called " Enhanced Recovery Company , LLC. " ; XXXX. XXXX XXXX ; XXXX, FL ; XXXX ; ( XXXX ) XXXX. It claims that I owe " XXXX XXXX. $ XXXX. '' I have NEVER used " XXXX '' I 've had " XXXX '' for the last 22 consecutive years. I am a victim of Identity Theft. And this is the exact same company that unlawfully posted the exact same adverse information on all XXXX of the major credit bureaus ( i.e., XXXX, XXXX, & XXXX ) around XXXX of XXXX before being ordered by the same XXXX credit bureaus to " Delete '' this intentional false/Identity Theft " XXXX '' debt scam that this company has been allegedly running. When I called their toll free phone number, their company 's rude telephone operator just told me " ... just pay the $ XXXX, fool! ... ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 Chase Card reported unrecognized hard inquiry on my XXXX   credit report
Product: Checking or savings account

A couple of automatic debits from my wells fargo checking account are preventing me from managing my account as i normally do. 
Ive removed both of them from accessing my account in the future, & although i deposited enough funds in my account within 24 hours of when the transactions appeared online as pending, wells fargo has for 2 months initially charged an insufficient funds fee which not only ties up my funds preventing me from meeting my minimum 10 uses of my atm card needed to avoid the checking monthly service fee, it also causes other automatic transactions to cause additional insufficient funds fees. Wells fargo is circumventing the grace period i normally utilize to manage my accounts, by claiming that these transactions are approved a day before they even appear as pending online in their system. 
I would deposit the amount needed to cover the insufficient funds fees, hoping that with the overlap of transaction dates the associated fees will self resolve, but i must pay rent instead & do not have that luxury. Because my funds last month were unnecessarily tied up for several days I also failed to meet minimum requirements necessary to avoid charges for my wells fargo savings account & for the first time was charged that service fee. That account balance is now below zero as a result. I rely on text/ email notifications as wells as closely monitoring my accounts online & still can not avoid penalties using the tools they provide. Whats wrong with this picture? Account now is nearly {$60.00} in the red due to fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events.

I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXt ( s ) Name ( s ) and Number ( s ) : Account name : XXXX XXXX XXXX ; Account number : 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a Loan through XXXX. They have falsely reported two 30 day late payments to my TransUnion report. I have called multiple times to resolve this issue and was told by a manager i have no late payments and they have not sent any late payments to my credit. All of my payments have been up to date and on time. I currently am in the process of purchasing a new vehicle but am unable to due to the false claims on my credit. There is now an investigation on why it is on there but the manager has already let me know everything is on time and there should not be any credit issues. However 2 weeks later nothing has yet to be done about it.
Product: Credit reporting or other personal consumer reports

Midland Credit Management Reporting account # XXXX I am unaware of this debt. I didn't have an opportunity to dispute this debt. I didn't receive proper notification of this debt. 

If in fact you believe you gave me proper notification as required by federal law, please send me the certified mail receipt with my name and signature validating that I received proper notification from you.
Product: Credit card or prepaid card

Greetings, I have been making payments on-time all the time for my Apple Credit Card by XXXX XXXX XXXX Payments are reflected on my Apple XXXX as directed and instructed by the Apple Card instructions within the XXXX. Apple has teamed up with XXXX XXXX to be the Banking Credit Provider for their cards. 

My billing cycle starts every XXXX of the month and ends at the end of the month either the XXXX or the XXXX depending on the month. Every end of my billing cycle I make the required stated payment through the XXXX Apple Card by XXXX XXXX. But in recent times XXXX XXXX has not properly acknowledge my timely payments and has wrongfully put my account past due. When the representatives call me to discuss my allegedly past due amount, I bring to their attention the payments made by me and the amount and size of the payments and the frequency of those payments. These representatives when I bring this up to their attention they always hang up on me, or put me on hold for more than XXXX hour without answering me forcing me to hang up. Apple Card by XXXX XXXX has went as far as restricting my account for further access even when I bring up to them the payments I made and the amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several investment properties which I've been paying on auto pay for years. In XX/XX/2022 my mortgage provider, XXXX XXXX, transferred my loan to XXXX XXXX. I did not receive notice of this. Months later, in XXXX, by chance I noticed my credit report took a major hit due to a late payment to XXXX XXXX. 

I called them to figure out what happened, and it turned out they were now the servicer of my mortgage, and so I was late paying them because I had not realized that my mortgage had been transferred. They had an old address of mine on file, an incorrect home phone number listed that was not mine or any of my past phone numbers, the correct mobile phone number, and the correct email address. In addition, I had been receiving advertisements by email from them for months, but received no emails relating to billing or late payments. 

I immediately paid off the bill and requested XXXX XXXX  remove the late strike on my credit report, and they refused. I filed disputes with XXXX, XXXX, and Equifax, and they refused to rectify the situation. Finally, I contacted an attorney, and they suggested I reach out to the CFPB. I've had a stellar credit report my entire life, and never miss any payments, and now my credit score is down over XXXX points due to this issue. I feel this is not my fault, the mortgage provider had my cell phone number and email address, which they were using to advertise to me for months, but never sent any notice of bills due or late payments.
Product: Credit reporting or other personal consumer reports

Recently, I did a 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 maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681e ( 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 shall ( i ) promptly delete that item of information from the file of the consumer, or ify 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. 

XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Submitted a complaint/request for explanation to Equifax about my drastic credit score change.

1 ) Equifax responded saying they reviewed the information I attached to the complaint. ( I did not have an attachment ) 2 ) Equifax said they contacted my creditors to discuss negative information. ( I don't have anything negative in my file ). 

Either Equifax has me confused with another customer ( gross negligence ) Or, Equifax is lying about what they did ( fraud ).

I want an explanation for the drastic score change ( XXXX points ) when there is nothing negative in my file. Additionally, I want an explanation of their previous response which is absolute nonsense.
Product: Mortgage

About one year ago my mortgage company increased my payment by about {$280.00}. I was paying {$610.00} and have been paying {$890.00}. They claimed that my property taxes had increased and that was the reason for the payment increase. I went down to the tax accessor 's office and they said that my taxes had not increased, in addition my taxes are reduced even further because I am XXXX so I receive a tax reduction from the county which I complete that paperwork every year. In addition, my homeowners insurance had not increased, therefore my mortgage payment should not have increased. What they are doing is illegal and violates RESPA. They have failed to resolve this matter or give me a reasonable explanation why they are continuing to charge me this increased erroneous amount.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Balance {$570.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX -Balance {$4200.00} Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX # XXXX XXXX {$310.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX -Balance {$810.00} - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX -Balance {$980.00} XXXX Opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint personally. After examining my credit history, I found late payments recorded. I sent correspondence regarding this issue over a month ago but have received no reply, nor have they provided adequate verification of these entries. I'm seeking your help to address this situation.
Product: Credit card

A fraudulent credit card ( XXXX XXXX - citi bank ) was opened on XX/XX/XXXX and around {$1900.00} spent. I noticed this about a month later with my XXXX XXXX  app and reported it to Citi immediately. They closed the account and opened an investigation. However, I just received a letter saying that their security team did not deem this a fraudulent account and that I'm still responsible for the charges. This account IS fraudulent. I did not open an account, nor did I purchase anything with a credit card from Citi bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Product: Mortgage

Our mortgage has been transferred to newrez XX/XX/year>, with the exemptions & assessed value the taxes should be based on. For the current tax year our mortgage in {$29.00}. The mortgage company confirmed this as we have filed two other complaints without success because they stated now the tar report reflects differently. 

They one use the full assessed value per their own admission. 

When we attempt to address we don't get a phone call only to lie, when we phone them we get no return call. We need assistance dealing with them. 

Per your request please see attached XXXX XXXX XXXX Tax bill which you state reflects differently than the tar report. It also includes the assessed value. 

We've attempt to reach out to the phone # on the response without any follow up from newrez. They continue to send the same follow up generic response.
Product: Credit reporting or other personal consumer reports

XXXX has not responded or updated any reports or credit scores even after the removal of several derogatory items were removed the last report that shows online and on paper still reflects all old information that has been removed it has not been updated as it should since XXXX of XXXX my score should be in the XXXX close to XXXX since the removal of the negative items 3 bankruptcies XXXX XXXX XXXX XXXX XXXX and XXXX inquiries ( hard ) to be exact were removed and no further updates to my credit score or report has been made! 

XXXX XXXX has refused to provide me with my credit score and I have requested that now for over 2 years the last report that I can see was not updated since XXXX and my score has said XXXX for 2 years even after the hard inquiries have been removed as well as the bankruptcies this is a violation of my consumer rights and I am demanding a new updated credit report and updated score not only be visible to me online but sent to my address on file. 

Equifax has not sent me an updated credit report and score ever and I have requested this several months now I have had three bankruptcies deleted several hard inquiries removed XXXX XXXX  deleted XXXX  XXXX deleted I have no negative items on my report anymore yet my reports are not being updated online or hard copy to reflect an update to my scores or credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which coused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting

I submitted a written dispute to Experian. They replied stating that they will not reinvestigate my dispute due to credit grantor has verified its accuracy but they have not submitted the required proof to me.
Product: Credit reporting or other personal consumer reports

I have review a copy of my credit report and I have found the following items listed below to be in error. These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective XXXX XXXX my identity theft affidavit. I have never authorized or gave express written consent to any 3rd affiliate XXXX to furnish my data with the following companies, please be aware, no consent is identity theft : 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

Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 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 shall ( i ) 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of XXXX :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit reporting or other personal consumer reports

I recently reviewed my report and noticed some fraudulent accounts on my report.Please remove these accounts off my report they are hurting my ability to obtain credit