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

Equifax has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving in accurate or unverifiable accounts unresolved the ( CFPB ) consumer financial protection Bureau has recently bought a lawsuit against Equifax, alleging, systemic issues, such as failing to forward, consumer provided evidence to burnishers excepting unreliable responses, and failing to adequately, notify consumers of dispute our XXXX, these failures, along with my experience, where Equifax has neither corrected nor removed Disputed items, despite the evidence I provided, causing ongoing harm to my credit standing I am requesting immediate, corrective action to remove or amend the disputed accounts as Equifax is in action, violates federal law, and my rights as a consumer
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I transferred {$100.00} using Chase quick pay to buy some baseball tickets from a stranger I met online. Did not receive baseball tickets, contacted Chase within minutes of the payment but they refused to cancel/refund the transaction and told me to contact XXXX. Chase said they don't know who I sent the moeny to as they are not Chase customer, which make sno sense because the service was called " chase quickpay '' and is supposed ot be used for sending money between Chase customers. I have been unable to get a rep from XXXX on the phone. Heard about this consumer protection website today so thought I would open a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've received my credit report from Equifax in the mail. I previously reported to them this same missing information problem and their response was to contact the credit card bank. The account bank keeps telling me that they report their information. My primary credit card, that I use most often, is my credit card from XXXX. It's a XXXX card. I use if regularly and it doesn't ever show up on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

An unauthorized hard inquiry from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I entered into a temporary payment agreement with Capital One and I made the agreed payments. The company still reported late payment history for XXXX, XXXX, XXXX, and XXXX. I initially called XX/XX/XXXX to open a case about getting the late payment history on my credit report updated to reflect on-time payments because I made the agreed payments. Capital One agents called me XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to inform that it had been resolved and credit bureaus would be notified and my credit report would be updated as of XX/XX/XXXX. I recently retrieved my credit report and noticed that the late payment history had not been corrected. I spoke to Account Manager XXXX ID # XXXX and was informed that they couldn't fix the inaccurate credit reporting on their end because they already asked credit bureaus to update XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My compaint is against Equifax, XXXX, and XXXX. They are all still reporting a derogatory tradeline under my consumer reports after the creditor agreed to delete the tradeline from my social security number. 

In addition to this, Equifax, XXXX, and XXXX are reporting conflicting info on the alleged loan balance. 

Equifax and XXXX are reporting an open negative tradeline from XXXX XXXX XXXX with a {$18000.00} balance. XXXX is reporting an open negative tradeline from XXXX with a balance of {$19000.00}. 

The payment status is also inconsistent between these three credit bureaus. What is going on here???? I am again asking them to delete the tradeline they are reporting for this company. They should no longer be reporting something that even the creditor has requested them to delete. 

If Equifax, XXXX, and XXXX fails to delete the tradeline, I will be seeking {$1000.00} per violation and they will have to show up to a venue local to me to defend themselves for violating the FCRA.
Product: Debt collection

I received a phone call on XXXX from a guy who said he was XXXX XXXX a legal Courier of XXXX XXXX XXXX. He stated that they were going to come to our house and serve papers and our place of business or a relatives house. Case # XXXX. He would not tell me what it was for only that I owed over {$6000.00} from XXXX He had my social security number and my ex-husband social. He called from XXXX. He said to call XXXX or XXXX. 
They claimed to be a XXXX XXXX? They were very threatening. They also said something about Wells Fargo dealer services which showed up on my credit report that's how they might have got my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple complaints with   XXXX   for verifying my accounts with  XXXX   XXXX . There are  XXXX  accounts that are currently being reported past the  seven  year period of the original date of delinquency. I have made several attempts and most recently speaking with a representative on  XXXX / XXXX /   2017  by the name of  XXXX  and she spoke with her supervisor by the name of  XXXX . What I was explained by both individuals the date of delinquency starts over when the account is made current. I even explained per the companies website this is n't correct.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX Date Opened : XXXX Owed : {$5.00} - XXXX
Product: Debt collection

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify has hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account ( s ) be verified or removed immediately : JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason For Dispute : Fraudulent Account, Account Not Mine, Unauthorized, Identity Theft
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

Having problems with cash app. I was at XXXX XXXX XXXX and left my card in the machine. Whoever came after me used my card to buy a meal without me knowing. I tokd the company only the first charge was mine the second was unauthorised but they refused to issue a refund. Said i  had to file a police report over a XXXX dollar sandwich charge. Ridiculous
Product: Debt collection

around XX/XX/XXXX I Filed a complaint because it appears that two separate collection agencies where attempting to collect the same. as part of the complaint CFPB forwarded the complaint to XXXX XXXX as well. Today I received written conformation from XXXX  XXXX on the Complaint initiated against ( LVNV Funding LLC ) who responded to they were the owner of the Debt ( case number ; ( XXXX. However XXXX XXXX 's response stated the account was sold to ( XXXX XXXX XXXX ) ( see attached response from XXXX XXXX ). They were only able to Confirm the account that they sold to XXXX XXXX XXXX ). 

Resurgent who is affiliated with both XXXXXXXX XXXX  and LVNV Funding LLC responded to the complaint against LVNV, their Response which I have also attached was unsupported by XXXX XXXX XXXX some of us are aware these companies are affiliated and have been sued for Debt Flipping. Based On XXXX XXXX response. I now believe this was an attempt By both affiliates to Deceive and pressure me into paying a debt that is Time Bard in my State and to keep the negative credit reporting past the 7 year look back period imposed by State. If I remember correctly, I believe that as part of settlement these affiliates agreed to stop that practice. 

I also believe, that due to XXXX XXXX 's apparent policy of not reporting the bad debt themselves, which makes it very difficult to match collections with the original creditor, they have seized that opportunity to take deceitful and harmful collection practices to the extreme which I am now confident has also been done to others as well.
Product: Credit reporting

On XXXX XXXX, XXXX I borrowed {$600000.00} from XXXX to purchase a house. I fully repaid that loan on XXXX XXXX, XXXX. However, the bank failed to report this significant transaction to the credit bureaus. They acknowledge their responsibility to do so. However, they say that they attempt to report this transaction to the XXXX main credit agencies " manually '' but the credit bureaus apparently are unable or unwilling to receive credit information " manually '' ( whatever that means ). 
I have an unfair negative credit rating. It does not reflect reality, but it complicates my life immensely. Please, help resolve this matter. I would like to propose XXXX alternative solutions : 1 - If XXXX is unable to deliver its side of the bargain they should reimburse me for all the interest and the fees that I paid them in good faith. 2 - Help our nation 's XXXX major credit agencies to become a bit more flexible. I am sure that I am not the only one who is unfairly penalized due to their lack of flexibility. 
Please see XXXX attachments:1. My letter to XXXX of XXXX XXXX, XXXX2. The response I received from the bank dated XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

There was a glitch in XXXXXXXX XXXX system and they wasn't aware of the u authorized inquires that was placed on my credit report
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. The account is hurting my ability to obtain credit. It's my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account name XXXX XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX, XXXX XXXX XXXX & XXXX.
Product: Mortgage

My mortgage was transferred to BSI Financial, as servicer, in XX/XX/XXXX. The first PILOT ( payment in lieu of property taxes ) payment for XXXX to the municipality was due on XX/XX/XXXX ( note that these are paid out of escrow ). I called BSI Financial customer service on XX/XX/XXXX, spoke to someone and informed them of my issue, and subsequently emailed them the overdue notice from the municipality. Since then, I've received another overdue notice from the municipality and subsequently I have called BSI Financial customer service two additional times. They claim that they are escalating the issue, but no progress seems to be made. I have no confidence that my PILOT payments will be made on time for this quarter or in future quarters.

Also note that this is the second CFPB complaint I have had to submit against BSI Financial since my mortgage was transferred to them in XXXX.
Product: Mortgage

* This past month I received a notice that my mortgage was sold off to : XXXX XXXX XXXX  UPON CALLING THEY CA N'T FIND MY ACCOUNT NOR GIVE ME INFORMATION HOW TO PAY. I WISH NOT TO GET BEHIND ON PAYMENTS AND DESIRE INFORAMTION ON A MODIFICATION OF THE LOAN THROUGH HAMP OR HARP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2022 I contacted Experian 's fraud department to report the address on XXXX XXXX, XXXX TXas incorrect. The woman from Experian, refused to have it disputed because it is an address that a creditor, XXXX Bank for a XXXX Credit Card ) submitted. She explained that her job is to report what the creditor tells her and that Experian does not work for the consumer. Whatever information the creditor gives Experian is what Experian will report. 


I have never lived in XXXX Texas but Experian Refuses to remove it I have submitted a dispute for this Synchrony Account Every month for the past 5 months and Experian will not remove it. I have a letter from XXXX Explaining that this account will not affect me or show up on my report but Experian continues to report it. 


How can I hold Experian accountable when their employees are confirming they will only submit what the creditor says?
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This is the second complaint I am filing regarding two ( 2 ) Midland Credit Management accounts that are being reported inaccurately on my credit report. 

The accounts in question are listed below : MCM # : XXXX Current Balance : {$560.00} MCM # : XXXX Current Balance : {$670.00} I have disputed the validity of the alleged debt that I owe to this company and in return, I received several credit card statements and not the purchase agreement showing that I am the owner of the account and that they can legally collect on the debt in question. Since I have not received the account information I requested, I am filing a second complaint.

Under 15 USC 1692g ( b ), the debt collector must provide verification of the debt, including evidence that they have the authority to collect the debt ( e.g., proof of assignment or a contract with the original creditor ). Please provide me with proof of the assignment for you to collect on this debt and/or the contracts that were signed in writing by me indicating that I am the owner of the alleged accounts. 

If this information can not be provided, the accounts should be promptly deleted from my credit report or you are in violation of my rights under the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my mother and I received notifications from Wells Fargo Bank that there have been suspicious transactions on my checking and saving accounts. We both called on XX/XX/XXXX as my accounts are under my mothers XXXX XXXX. We filed the claims with the bank and was told it will take 7 to 10 days for the investigation. The claim number at the time given to us was XXXX. We called again after 10 days, and was told it was still under investigation and some of the suspicious transactions were not included. 2 new claim numbers were given at the time, XXXX and XXXX. On XXXX, I received a letter with the case # XXXX stating the claim was denied. On XXXX, I received a letter for claim # XXXX saying that it has been resolved and {$4700.00} has been credited back to my account on XX/XX/XXXX. However, the amount was not reflected on my account when I checked on XX/XX/XXXX. On XX/XX/XXXX, I called the claim department about the denied claim was told the case was closed and theres nothing I can do. Then, I asked about the letter from XXXX and the person was unable to explain all the details why the {$4700.00} was not returned and why I still owe them money. The bank reported and notified me of this suspicious activity yet, they have proved unable to resolve this fraudulent activity successfully.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : My payments were made on time, but due to a clerical error by the creditor, the payments were incorrectly recorded as late. The payment confirmations from my bank show that the payments were cleared well before the due dates. I have enclosed copies of these confirmations for your reference.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I had never had a clear information on the payment due date they always gave me misleading info on the due date some were saying is on first some were saying is on XXXX. 
Lately there were refusing to take my payment online and asking me to do a manual payment which was me sending a check to them, but they never disclosed any details as far as address or check style. Finally after calling them for the whole month of XXXX begging them to accommodate me with a wire transfer as I was hospitalized they gave me an address on were to mail the payment hoping I was not going to be making it as I keep repeating them Im in the hospital while XXXX of the employe told me that's good for us that way you wont go somewhere else to refinance if you get negative remarks on the credit report. 
I gathered my self up violating the doctors orders to stay in hospital and I mailed them a certified mail with a cashier check for next day delivery on the XXXX still being within the 30 days of their due date whether that was on the XXXX or on the XXXX. 
However thy decide it to Proces it late and now they put sa negative remark on my credit report. I try to get her from them several time calling writing e-mails disputing with credit bureau but I have no help I have all necessary records on this regard mail receipts and phonically records if needed Credit card companies are reducing me limits or even closing my lines of credit. My new house still under renovation can get financing just because of that, the declining letter from says that .This is affecting my health and my finances very badly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquiries listed. As a reference, please see the below inquiries : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given EXPERIAN permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ). Both together and separately my consumer and privacy rights are being violated. Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information, please remove the above mentioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to EXPERIAN resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations. Warm Regards, XXXX XXXX XXXX Authorized Representative for XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous disputes. I can not get duplicate reported accounts off of my credit report and it is derogatory effecting my scores on all of the big three reporting agencies. Negatively impacting them double because they are duplicates.