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

Bankruptcy Case # XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX   XXXX Original Account Number # XXXX for {$140.00} 2 Years ago after our bankruptcy was discharged we received a letter from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX IN XXXX ( XXXX ) XXXX, stating that we owed a bill from XXXXXXXX XXXX   XXXX and that we owed them {$140.00}. We checked our XXXX credit report and sure enough they recently started to report to them. We called them and told them this account was part of a bankruptcy and the bill was taken care of and that we filed a dispute online to remove it from my credit report. They denied that it was part of the bankruptcy and requested proof. We contacted our bankruptcy lawyers, they checked and it was, so they faxed XXXX XXXX XXXX a copy of the bankruptcy report. Our dispute went through, and it was also removed from our credit report. We haven't heard a thing from them since. 
Today, XX/XX/XXXX I checked my credit report more thoroughly than normal and noticed that 6 months ago, XX/XX/XXXX to be exact, they relisted it on my transunion credit report lowering my rating again. They tried to fool us by not putting the orginal date that the XXXX was on which was XX/XX/XXXX, and just listed the opening date as XX/XX/XXXX. No other dates were visable, it was made to look like a newly turned in debt. I called the XXXX XXXX XXXX and told them that my lawyer had already faxed them the information on our bankruptcy, she still denied having it telling me I needed to have them send the information in again. We contacted our lawyer again, and they are resending the bankruptcy information and we filed a dispute again with transunion to try to get this off of our credit score. Our lawyer told us we needed to contact you to get them to stop harassing me, when we paid our debts by paying off our bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To Whom It May Concern, I am filing this complaint to dispute an eviction collection falsely reported under my name by National Credit Systems. During the reported eviction period, I resided at XXXX XXXX XXXX XXXXXXXX, GA XXXX, as verified by the attached notarized letter/lease agreement. I have also filed an FTC identity theft report, which is attached. 

This eviction does not belong to me, and I request that the collection agency and consumer reporting agencies immediately remove it from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I disputed with XXXX that they have on my credit report information that they acquired legally and not thru the court. I have 2 dismissals of bankruptsy appearing on my credit report of information that was not provided to them by the court. They obviously didn't aquire this thru the court but still managed to make bankruptsy dismissals appear on my credit report and it's keeping me from getting loans and heloc to fix my home..please help me so they remove that information from the credit report ... The court has sent me a letter stating that they did not report to XXXX, and I sent it to XXXX, but they still will not remove the 2 dismissals from appearing on my credit report.. 

This is the letter that I sent XXXX : I have previously disputed ( Public records of Bankruptsy dismissal Reference # XXXX on XX/XX/year> with you and in responce, you verified the item as accurate, stating that you have verified the information with the court. 
I contacted the court, and their responce is enclosed. 
It is clear they do not report to you or any credit bureaus for that matter, therefore, your innitial responce verified the item with the court was either an error or a lie. 
Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 16811 ), and the information must be deleted immediately. 

Sincerely XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX
Product: Debt collection

XXXX XXXX has repeatedly called me for the past 2 months ( XX/XX/2022 to date ) every Friday trying to collect on a credit card debt from several yrs ago. When I did talk to them they required me to tell them my mailing address, last 4 of my social or the full account # on the card. I informed them that I did not feel comfortable telling them my address but I did give them the last 4 of my social. The gentleman indicated that was not enough and required the full address. I again stated I was not comfortable with that. He stated that he couldn't go any further with my call. I stated I was sorry to hear this but again I wasn't comfortable provided that information on with the call. I also explained to him that I had lost my job 2 weeks ago and that even if we could proceed with the call, I had no money to give them for the debt. He stated that they wanted to work with me but again needed my address. I stated I got his letter in the mail so with that verification, could he move forward with just the last 4 of my social and that? He stated he could not.

I ended the call with apologizing to him and hung up.
Product: Debt collection

XX/XX/XXXX I am unaware of this alleged debt that the Caine and Weiner stated I owe them in the amount of {$390.00} that I supposedly opened with them XX/XX/XXXX. Per consumer law a collection agency has to provide validation of any debt on my consumer report under 12 CFR 1006.34 ( b ) ( 5 ). If they do state they have provided the information, I would like the method of validation, all correspondence of who you talked to, their phone numbers, emails and addresses. I have not been given a chance to dispute the account according to 12CFR 1006.34 ( c ) ( 4 ) ( I ) The collection agency is violating my consumer rights by using false misleading, misrepresenting and deceptive means.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 around XXXX XXXX In regrades of my Experian credit report, XXXX  XXXX, XXXX  XXXX. This is for all the credit Reports Agencies. All three want me to pay to monitor my credit even though I have fraud protection, freeze being a victim of Identity theft I have started checking my credit report every month sometime twice a month I also check with my creditors, my score was on XXXX on XX/XX/2020 after I spoke about my credit the gentlemen wanted me to pay for an upgrade I had did that before I told him no. And the next day XX/XX/2020 my score was taken down by four points. And they also ask about Boost up your credit with paying your utilizes bills but they only work with certain credit union and mine is not one of them. Another time XXXX all the way back to XXXX score up then every time I call with my credit report they want me to pay money, so I am wondering do I have to pay the credit bureau to have good credit even though I am paying my creditors. then I was ask to pay money to upgrade for my protection over my credit my response was why should I continue paying Experian {$20.00} a month more to raise my credit score up {$19.00} per month for XXXX. XXXX  {$29.00} per month. Now the way the economy going paying a total of {$70.00} a month is that fair to you all. I am a XXXX  and I work very hard on my credit. Please stop lower my credit points for know reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Bank of America 2nd mortgage account # XXXX has been paid. XXXX   CRA is still showing the account as " Open ''.
Product: Mortgage

In XXXX 2016 I cancelled my Hazard Insurance with XXXX XXXX and placed it with XXXX XXXX. I received a refund check from XXXX of {$1300.00}, I wrote a check to Ditech on XXXX16 and it cleared my bank. On XXXX16 I received an Escrow Statement stating that my amount was going to inc- rease from {$190.00} to {$380.00} ( wow! ) I called XXXX on XXXX and again on XXXX and again on XXXX/XXXX/16 to tell them that I has canceled the old insurance and ( which they paid ) and had replaced it with new insurance ( Which they paid as well ) and that I had sent them a refund check which was not reflected on my Escrow Statement to this date the {$1300.00} is not reflected on my Escrow Statement. Ia have talked with the Insurance Dept, an the Escrow Department and ca n't seem to get this cleared up. In the mean time my payment has gone from {$440.00} a month to {$630.00} a month. I have a XXXX mortg. 
I live on Social Security and this seem a little much.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several innacuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : *ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I visited XXXX to apply for phone service and I was asked to pay a down payment. I was confused because XXXX weeks prior I was approved for a XXXX credit line with XXXX. I went on line to check my Equifax and noticed it dropped XXXX points. My credit history has been improving. I have been paying my accounts on time but for some reason Equifax dropped my credit score XXXX points. I will be disputing it directly with Equifax but because the company is XXXX  there is a severe language barrier. Before the drastic drop in my score without warning my score was gradually going up and stopped at XXXX. Now I'm at XXXX. The reasons for the drastic drop does not add up. I read that XXXX is going through some legal issues regarding a glitch in their system and Prior to this I also notice Equifax was removing things from my credit report that were not being disputed like my name and business history. When I questioned it and tried to dispute it it was not resolved. They also kept adding and removing the same XXXX accounts that I did dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX when they should have been deleted permanently and not re-added. I also notice lots of inquiries on my report from Equifax and unsure why?
Product: Credit reporting or other personal consumer reports

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. 

OPEN ACCOUNTS : XXXX XXXX XXXXXXXX XXXX - {$1000.00} open XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. - {$1000.00} open XX/XX/XXXX XXXX XXXX open revolving {$590.00} XXXX XXXX open. {$740.00} credit card XX/XX/XXXXXXXX XXXX XXXX  & line of credit {$320.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  open Mortgage {$89000.00} XX/XX/XXXXXXXX XXXX XXXX  CLOSED ACCOUNTS : XXXX XXXX XXXX closed accounts XX/XX/XXXX secured Card XX/XX/XXXXXXXX XXXX XXXX for {$320.00} XX/XX/XXXX for {$740.00} XX/XX/XXXX installment account XX/XX/XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX closed {$230.00} XX/XX/XXXX XXXX XXXX XXXX closed XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX closed XX/XX/XXXX XXXX XXXX XXXX closed XX/XX/XXXX revolving {$810.00} XXXXXXXX XXXX XXXX XXXXXXXX closed XX/XX/XXXX revolving {$0.00}
Product: Debt collection

In attempt to get solar panels my credit was hurt for project that was never started. XXXX took my information and signature from original meeting and used it to add a XXXX debt to my credit. In XX/XX/2023 I canceled the project and XXXX forever told it would be taken care of. Now, earlier this in this month of XX/XX/2023, I noticed the account was still on my credit. XXXX forever claims they've done their part in canceling the project but the debt collector mosaic is telling me XXXX forever is saying they're going to continue the project even though I made it clear I did not want the project to be done. I've had multiple conversations in between XXXX and XX/XX/2023 about having this resolved and I continue to be given the run around. Therefore I am filling this consumer complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am summiting this complaint by myself and with no help from any professional. I have been reading and studying about consumer laws and our rights. 
After all the studying and research I have done I have been applying my rights to all appropriated institutions that had violated my rights, therefore I am summitting this complaint right now to Equifax , INC . 
I am submitting this complaint because Equifax, INC is in violation for furnishing 9 hard inquiries on my consumer report without my written instructions and without my permissible purposes. Which means that they are liable to me 9 times for violating 15 U.S. Code 1681n ( b ) 9 times.

I gather all my proof and mailed Equifax, INC a Notarized Affidavit Of Truth along with an invoice dated on XX/XX/2021, which they received on XX/XX/2021 as per USPS Express Mail tracking confirmation # : XXXX XXXX XXXX XXXX XXXX. 
I gave Equifax, INC the opportunity to resolve this matter amicably and gave them 20 days to comply, but I have not received any communications whatsoever so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX  are reporting FRAUDULENT DEBT on my credit report from the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CHILD SUPPORT SERVICES ( DCSS ) D-U-N-S # : XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX ], XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, in which I, Secured Party - Creditor - Holder-In-Due-Course, have Perfected Security Interest, XXXX recorded with the XXXX XXXX XXXX XXXX. The absconding DEBTORS agree to pay Secured Party {>= $1,000,000}. ( XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX  ) in Functional United States Currency, gold and/or silver equivalent by the ounce at current market value with daily interest of 9 % for Commercial Dishonor. 
See. https : XXXX.
Product: Credit reporting or other personal consumer reports

i tried several times to fixed this issues but I never heard or receive any response from the XXXX credit bureaus I send my letter last XX/XX/XXXX but untill now I never heard anything from them. I Requesting to delete the following accounts Account Name : XXXX XXXX XXXX Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$2900.00} Account Name : XXXX XXXX Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$1100.00} Account Name : XXXX XXXX XXXX Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$320.00} Account Name : XXXX XXXX XXXX Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$320.00} XXXX XXXX, XXXX. 
Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX
Product: Checking or savings account

I received an deposit of {$12000.00} from the XXXX government agency on XX/XX/2023 to my PNC Checking account and on the next day on XX/XX/2023 they revoked my online access to my account and froze my account. They said it was fraud when I only had the account for XXXX weeks. I called PNC customer service 4 times on XX/XX/2023 and no one could give me an answer on why my account was locked and my funds was on hold. So I went into the local branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke with XXXX XXXX and she didn't provide me any answer about my account but told me to come back later or she will call me. I provide her with my bank card, driver license, loan documents from the XXXX agency showing her this is not fraud but she just said we will call you. I still haven't heard anything from them regarding my account or funds. I have XXXX kids and I have no money to pay my bills and the result of this will have us homeless with no where to go. I need this issue resolved asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested multiple times for experian to reinvestigate a bankruptcy being reported on my credit report. I provided proof that XXXX has reinvestigated my claim and removed the inaccurate reporting of a bankruptcy on my credit report. Still Experian refuses to reinvestigate after I have provided additional information that I don't have a bankruptcy on file. They asked for proof, I provide proof but they still refuse to reinvestigate.
Product: Credit reporting or other personal consumer reports

Today, I came across incorrect accounts on my credit report and have no idea how they appeared. I check my credit report regularly, but this time, I noticed discrepancies that werent there before. Thinking it might be a browser issue, I refreshed the page, but the errors remained. Because of this, I kindly ask for a careful review of my submitted documents to ensure I no longer have to deal with this concern.
Product: Credit card

My credit card account was shut down with a rewards balance of {$760.00}. The points are now gone from the account and I have no access to them from the website.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from. my credit reports. List all those negative accounts from your Equifax credit reports. Account names and account numbers and file Your complaint with the CFPB
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 1681 Section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX has incorrect account information. This was paid and should have never went to collection.
Product: Debt collection

On XX/XX/XXXX I paid XXXX XXXX XXXX the amount of {$170.00} to create a remaining balancing of {$0.00}. XXXX XXXX XXXX sent my account to collections on XX/XX/XXXX to the collector transworld systems inc. I contacted transworld inc on XX/XX/XXXX to notify they can no long be on my credit report because I already paid the original creditor XXXX XXXX XXXX and there is no debt to be collected anymore. Transworld inc has refused to remove themselves from my credit report and stated that they will list my account balance as XXXX. XXXX XXXX XXXX has already informed transworld the account was paid in full.
Product: Vehicle loan or lease

I provided a loan refinance check issued by XXXX XXXX XXXX XXXX to payoff the Bank of America XXXX loan ending XXXX via overnight delivery to the address provided on the Bank of America fax payoff quote and received delivery confirmation from XXXX on XX/XX/XXXX at XXXX am. XXXX tracking number XXXX. 

Bank of America website clearly states that all payments will be posted within XXXX business days. As of XX/XX/XXXX, XXXX calendar days and XXXX business days, Bank of America has not posted the payment. Multiple phone calls to their auto loan service center results in no additional information and they do not reflect receipt of the payoff. 

At first, the Bank of America agent states that their payoff instructions are inaccurate and they no longer accept payments at the address specified for overnight delivery. A second phone call states that they do and that payments are being forwarded. A third call states that they need 7 days to process a payment, in contradiction to their website banner. 

At this point, they have not processed my payment and I have delivery confirmation of the $ XXXX payment. The new lender, XXXX XXXX has confirmed that the new loan check has not been presented for payment. I want Bank of America to take responsibility for the check they received and process the payoff.
Product: Credit reporting or other personal consumer reports

Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security XXXX XXXX ( XXXX ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my XXXX  and XXXX XXXX  have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why XXXX made it very clear that XXXX, transunion, XXXX ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( XXXX ). Also, XXXX, transition, XXXX failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. XXXX, Transunion, and XXXX is in violation of several federal laws including responsibility they have to protect my privacy. Im giving these consumer reporting agencies the opportunity to make this matter right by way of the following ; REMOVE ACCOUNTS, REMOVE LATE PAYMENTS, REMOVE INQUIRIES, REMOVE INACCURATE PERSONAL INFORMATION.These fraudulent accounts consists of a Auto loan account opoened : XX/XX/XXXX, under account XXXX, Action Collection account Opened XX/XX/XXXX Account Number XXXX, Late Payment From Account XXXX  Date XX/XX/XXXX. I Have XXXX name : XXXX XXXX I Demand all other names be removed from my consumer report, I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.