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

I'm preparing to purchase a home so I had credit pulled to see what if anything I needed to work on. Unfortunately when I ran my credit, I noticed a slew of things that should not be on here because they absolutely do not belong to me. I contacted the local police and FTC. Now I need your help with this issue. I'd like all these items removed as soon as possible as they are causing a negative effect on my credit. XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UNIVERSITY XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Also, there are even a few items on the report that do not have a name, only account numbers. Unknown item acct # XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I confirmed to make a new business PayPal account rather than using my personal account because i was confusing my transactions and not able to keep track of them. After a few days I begun receiving funds for my sales and sending invoices to some of my buyers, one is currently on a payment plan while the other paid in full. The transaction that was paid in full was around XXXX for a signed item. I added a tracking number for the product and the person who paid for it received it in the mail accordingly. The money was still on hold after a long time so I decided to enter more of my information into PayPal website to get my account a faster money transfer because its a high amount to have on hold. After adding my information into PayPal they said it would be under review after more than a week I hadnt heard back and emailed them. They said they would take a bit longer to confirm, later finally my account gets confirmed but then says theyve decided to permanently ban me for suspicious activity when I only have 3 transactions on my new business account with all the information needed and provided. They are holding more than XXXX of my money and I need to access this and be able to continue my business. Its a new account so I dont understand how theres been suspicious activity or breach of contract. I spoke to a PayPal representative and they said sometimes PayPal makes an error when banning accounts and I should call legal department but they did not answer or acknowledge my concerns. They can not provide proof of anything suspicious or illegal ive done because there IS nothing Ive done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and to whom it may concern : I need your help ... Since XX/XX/2017 I been trying to reach all three major credit bureaus and the original creditors and collections companies to ratify and validate several accounts that I surprisedly found with multiple inaccuracies on my credit report. I being given runarounds for like 6-9 months now and haven't received any resolutions based on my investigation. My credit file has several inaccuracies starting with wrong personal information, wrong addresses, wrong account information, wrong DOLA, wrong acct type, etc. I would like these accounts as shown attached to be updated, and by now I WOULD more than likely wants them DELETE from my credit file. Seeking permanent deletion!!! 

XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX XXXX  Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX. XXXX =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX  XXXX =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX  XXXX : =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX : =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX : =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX XXXX=>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!!
Product: Credit reporting or other personal consumer reports

In Accordance with FCRA, 15 us code 611 ( a ) ( 3 ) ( A ) this account with XXXX XXXX is PAID and CLOSED therefore it shouldn't be reporting or shown as POTENTIALLY NEGATIVE. Please delete the RED POTENTIALLY NEGATIVE from credit reporting. 


XXXX XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Credit limit {$120.00} Highest balance {$830.00} Terms - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Current / Terms met XXXX Past due XXXX  days XXXX Closed Payment history guide XXXX  days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Balance history XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Additional info Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$120.00} Contact info Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Your statement Comment Current : Account closed at consumer 's request. 

Previous : None Reinvestigation info This item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Credit reporting

A few months ago I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least XXXX months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within XXXX days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to contact someone at your company to let you know that I mailed a letter to XXXX XXXX XXXX, XXXX, XXXX, and Lexis Nexis about the validity of this Bankruptcy that you have listed on my Credit Reports. I mailed this letter on XX/XX/2021 and not one of the 5 companies have sent any corresponding letters. I recently challenged the same account on the other Credit Bureaus and they came back stating that they have verified this account. I have went to the courthouse and they have also stated that THEY DO NOT VERIFY THIS INFORMATION TO ANY 3RD PARTY CREDIT BUREAUS OR AGENICIES. Please send me whatever documents of information you have personally used to verify this alleged Bankruptcy, immediately.
Product: Bank account or service

I had a return check that resulted in a over draft return fee. Then i forgot to remove my auto pay billing and got hit with another overdraft return ach fee. They never paid any of those payments and now i owe the bank XXXX just in fees. I called and tried to talk to them & gave them my situation. Im a poor college student and I didnt plan on all this happening. No help
Product: Credit reporting, credit repair services, or other personal consumer reports

To Equifax Escalation Department : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 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 ; I am CLEARLY requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS ECMC XXXX not mine ECMC XXXX not mine How is Equifax able to verify these items when other agencies can not? 

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission.

( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file. Please sent a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Product: Mortgage

During Cocvid-19, I started working with my mortgage company, Bank of America XXXX XXXX modify my loan. Bank of America assured me several times over 2 years that they were working on my loan modification each time I submitted the modification documents. Each time the modification packet was submitted, I was told constantly that the underwriters were reviewing the packet and it takes time to process. Eventually, I was told that the underwriters took too long to review the documents and I had to start the modification process all over! again, and again, and again and again!!! This happened each and every time I submitted the required document packet! Bank of America NEVER worked with me to modify my loan, and out of no where, they notified me the sale date of XX/XX/2023 to foreclose on my home!!! I was given the run around for over 2 years. Each and every time documents were requested by Bank of America, I submitted all documents, and called them to confirm that ALL documents were received each time!!! I spoke to a Law Firm and they offered to take my case and bring charges against Bank of America for unlawful foreclosure, because a large volume of other clients of this law firm have been treated the same in dealing with Bank of America in the same way when it comes to modifying a home loan with the end results being a Foreclosure!!! Here is the previous claim number, were Bank of America responded stating that they were working with me to help me stay in my home by modifying the loan!!! 

Previous Complaint # XXXX
Product: Debt collection

I have been in communication with Wakefield & Associates. I have asked them numerous times to VALIDATE the debt. I explained I have no business contract with Wakefield & Associates. There isn't an agreement bearing my signature or any employee of Wakefield & Associate. They said they are no longer disputing because I didn't prove or show any new facts or information. They sent a letter stating they have requested to report on my credit report. I don't feel that is fair or legal. According to law, they are suppose to cease all collection activity until they can validate the debt. Which includes adding themselves to my credit report. Wakefield may need to read 73 AmJur 2nd, sections 90 and 93 which is a Supreme Court law!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pull my credit and i noticed a few collections on my credit with banks that i have never did business with. I did not authorized any of these accounts on my credit report.i called XXXX, XXXX  and equifax to inform them and i was told to send a identity theft report. None of these accounts listed are related to any transaction done by myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite spending the better part of two days trying to communicate with Experian, I still can not communicate with a real individual. As a result, I am locked out of my credit report, my credit is frozen and I can not proceed with the purchase of a new car. On several occasions, the automated system said it couldnt transfer me to a live agent. The issue is incredibly simple in my case I have a new phone number, so the extra security protocols do not let me access my account and it would take only minutes to resolve the issue. Given the importance of credit reporting agencies and their gatekeeping function, it is astounding that they have so walled-off access to real agents. 

For reference, I am a XXXXXXXX XXXX who generally understands how to find right person to contact in these situations.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inquiries were not and should not be reporting. 



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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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

I implore you to take immediate action to get these unlawful inquiries removed from my credit report. They are seriously upsetting me, and I can verify this with the paperwork I've given. Please look into this situation as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a few student loans through the XXXX XXXX XXXX/XXXX  and am very grateful for it. However, around XXXX of 2013 and before, my understanding, was that my loans were in deferment ( 2 student loans on XXXX2013 reported 90 days late ). It has just come to my attention that it is and has been reporting as 90 days late. If I knew about this earlier, or IBR, then this issue would have never occurred. I am wondering if XXXX XXXX XXXX/XXXX would be kind enough to remove this 90 day late from both XXXX XXXX XXXX/XXXX Accounts, as it 's really hurting my credit score, and hindering my attempt of being a home-owner one day. I have made my payments current for about 2-3 years or so, and I hope that would be taken into account.
Product: Credit card or prepaid card

We have paid Care Credit and met the minimum due for XXXX, XXXX, XXXX. Unfortunately, payments were going to an account Synchrony had CLOSED due to inactivity during initial Covid lockdown. I realize the mistake ( automatic bill pay routed incorrectly ) is on our part, however we phoned Carecredit/Synchrony after each late charge and they could never figure out that we were paying the wrong account? Meanwhile, a credit kept accruing on a closed account for XXXX payment cycles. 
All I am asking for is a that they waive all three of the late fees as they received money from us by the agreed upon date in the required amount. I think this is an excessive price to have to pay for a simple mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the account which does not belong to me STILL reposting on my file in Equifax. The other bureaus have already DELETED this fraudulent information so my question is why do you still report this damaging record? I have already disputed this account several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting this account. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE this account from my file like the other bureaus have done. 

XXXX XXXXXXXX XXXX
Product: Debt collection

National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX, GA XXXX Toll Free : XXXX. Email : XXXX XXXX XXXX XXXX On XX/XX/XXXX this collection agency fraudulently placed a collection account on my national credit file which negatively impacts my credit file and score.They are attempting to collect a debt that does not belong to me. i signed a roommate agreement in XXXX. I contacted the owner of the account, XXXX XXXX  on XX/XX/XXXX, and spoke with leasing agent XXXX. She pulled my file and confirmed I was not listed on the lease and do not owe them any money. She also confirmed XXXX XXXX is solely responsible for this debt.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Student loan

So apparently this is a serious situation I havent have use my credit at all until 2022 when I made my XXXX for my business. As Im preparing my brand I check my credit for issues. I have two student loans I never applied for in my name. Apparently I hit the info that my mom has been using my credit when she started college and i was not aware until now. 

So I just need info on how or where the money is going to just need the source of how it all started
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for failing to maintain accuracy in my credit report and improperly verifying disputed information ( please see attached ), in violation of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 

I recently disputed inaccurate charge-off accounts on my credit report. The following inaccurate accounts were not properly investigate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Instead of conducting a proper investigation, Experian verified and updated these accounts without providing any reasonable basis for their accuracy. This action violates my rights under 15 U.S.C. 1681i, which requires credit bureaus to conduct a proper reinvestigation of disputed items. 

Experians actions also conflict with federal statutes, including : 15 U.S.C. 1602 ( g ) ( 2 ) Defining " credit '' and consumer rights under the Truth in Lending Act.

15 U.S.C. 1635 Protecting consumers ' rights to rescind certain transactions.

15 U.S.C. 1601 Establishing Congressional intent to ensure fair and transparent credit practices.

15 U.S.C. 1692g Requiring debt validation to prevent inaccurate reporting of debts. 

I am requesting that these inaccurate accounts be removed from my credit report for such violations.
Product: Debt collection

At some point in 2011, a representative from XXXX XXXX called my house and talked to a family member. The caller was trying to sell us credit cards. The family member, my husband - accepted the offer. Without consulting me, he gave the person my social security number, as well as his own. I *never even spoke to the person, * and I never would have accepted the offer of another credit card. I thought the card was my husband 's, when I used it *once* - to pay my annual dues to the XXXX XXXX XXXX XXXX I paid the amount due upon receipt. 

Two years later, I got a letter from an attorney, XXXX XXXX, who claimed to be suing me on behalf of XXXX XXXX, for over {$2000.00} in fees and interest. I wrote Ms. XXXX immediately XXXX per the legal requirement to dispute it within 30 days XXXX, to tell her that the " debt '' in question was not mine. 

During the last month - over ten years since the original card was improperly issued, I have gotten letters from lawyers and bills from a collection agency - for that same " debt, '' which is not mine and should not be deemed to be mine. The lawyer was actually, and appallingly, pitching a proposal whereby I would use the money I will receive due to the CARES act, to " repay '' the creditor. I believe this is called " zombie debt '' - with an additional appalling bid to get a hold of money being sent to all Americans to provide relief during an unprecedented and devastating health emergency ( one which has deeply affected my family ). I am attaching copies of several relevant documents.