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

I disputed inaccuracies on my credit report with all 3 credit reporting agencies XXXX XXXX XXXX and Transunion XXXX on XX/XX/2020 that XXXX XXXX fails to correct. I have disputed with XXXX XXXX and provided proof of payments for the months they reported me as XXXX  days late, when in fact I paid as agreed. The CRA 's disregarded my dispute and continued to publish inaccurate information after providing them with the proof. They have violated my consumer rights and the FCRA by reporting inaccuracies and saying they verified the information was accurate. How is it possible to verify accuracy with the company I'm informing you is reporting the inaccuracies. Even after providing proof both XXXX and the 3 CRA 's fail to update my credit file to paid as agreed. 
I mailed several letters to the CRA 's and have not received a response back from XXXX. I have included copies of certified mailings and receipt returns. 
I also kept record of XXXX XXXX and they continue to report negative information to the CRA 's. However, I find it STRANGE that they do not report me as being late in their customer portal database, which was disturbing to receive a letter of Notice to Right to Cure in XXXX  days. This is ludicrous! XXXX retaliates by calling the balance to be paid in full after I contacted them inquiring about inaccurate reporting. 
My credit score has been seriously affected by the inaccuracies and have caused me to not qualify for loans that I would have been able to receive approval for.
Product: Credit reporting or other personal consumer reports

I am having an issue opening up a checking and savings account with banks and credit unions due to adverse negative information listed on my XXXX XXXX and Early Warning Consumer Report. All of the Inquiries Viewed By Others and Me currently listed on my XXXX Systems Consumer Report is fraudulent, unauthorized, not my inquiries and is the result of identity theft. All of the bank and checking accounts listed on my Early Warning Consumer Report is fraudulent, not my bank or checking accounts and is the result of identity theft. Full Name : 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

Hello Awa collections is trying to collect a debt that is not mine and this is not the first time this happens. 

I called the company and they told me that this is for a auto insurance policy. I don't have a car let alone a driver 's license. I have never engaged in business with this company and I have no knowledge of any insurance nor have I ever had one. 

This is affecting my ability to purchase a home I just recently move to the united states of america from abroad and have no business with insurances or collections.
Product: Credit card or prepaid card

First, how can you close a case without the main solution? I STILL CAN NOT LINK MY XXXX ACCOUNT TO PAYPAL!!! 

This is my third complaint within the month with PAYPAL I discussed this with XXXX  and determined the issue was with PAYPAL, and yet I receive a long response from XXXX  that does not solve the base problem. I have had my XXXX bank linked with PAYPAL for about twenty years. this was investigated and found no faults or issues with my account. PAYPAL upgrades and deletes my account. No matter how many times they notify me that that has happened, until they allow my bank account to be linked, the problem will continue. 

PAYPAY has my banking information. UNLESS THE RESPONSE IS MY ACCOUNT IS LINKED, I WILL CONTINUE TO SUBMIT COMPLAINTS.
Product: Credit reporting

To who It may Concern I am very Disturb on how this Credit Reporting Agency CHEXSYSTEMS Conducts Business. I requested my Credit Report I received it and things i did n't understand, the things that was on there i disputed them it was Inquires and Wrong Addresses submitted by XXXX and XXXX both which are Credit Reporting Agency 's also. So Chexysystems is submitting things that never was reported to them. So I want to know the method they use to verify accounts and inquires how did they Obtain my Social Security Number and my Address and my name. how are they able to prove to me that something is Verified if you getting information from two other sources, He say she say, Conflict of Interest, and i willing to take them to Federal Court because they are clearly Violating all of page 37 Section 609 of the Fair credit reporting Act
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX | DOBXX/XX/XXXX Date : XX/XX/year> Subject : Request for Correction of Inaccurate Information in My Credit Report Under the FCRA To the Equifax Consumer Relations Team : I am contacting you to formally dispute inaccuracies in my credit report. There are incorrect variations of my name and addresses listed that do not belong to my credit history. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I am entitled to accurate and complete information in my credit report. I am requesting that you investigate and promptly correct these errors.

1. Federal Legal Basis : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i - Reinvestigation of Disputed Information : Equifax is required to investigate disputed information within 30 days and correct or delete any inaccurate, incomplete, or unverifiable information.

2. Details of the Dispute : Incorrect Name on the Report : XXXX XXXX XXXX The correct name is XXXX XXXX XXXX XXXX XXXX I request that this incorrect variation be removed and only my correct name be retained. 

Incorrect Addresses on the Report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( Note : The correct address format is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The address listed is incorrect and should be updated. ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ( This address is not associated with my credit history. ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ( This address does not belong to my credit history. ) The only accurate address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. All other addresses must be immediately removed. 

3. Supporting Documentation : I am attaching a copy of my ID and proof of residence to facilitate the validation of my identity and expedite the correction process. I also include documents that support my claim.

4. Request for Action : Based on the regulations outlined above, I request that : The incorrect name variation be removed. 
The incorrect addresses that do not match my history be deleted. 
I receive written notification of the results of the investigation, as required by the FCRA. 
If the disputed information can not be verified, I request that it be removed from my credit report immediately. 
As a consumer, I demand that no more time be wasted, and that the information be corrected within the legally established timeframe of 30 days, as per the FCRA.
Product: Student loan

MyFedLoan is miscounting the number of payments I have made toward repayment. They record that I was in forbearance from XXXX to XXXX. This is not the case. I have requested they fix the problem and then have not been able to willing to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX ; I have been proactively trying to get inaccurate, non-compliant accounts to be updated correctly on my credit report by submitting the appropriate requests and supporting documentation from the creditors/collectors showing the account status is to be updated to paid and the comments showing either paid in full or paid and settled for less than full amount. 

The bureaus and creditors/collections agencies just point blame and constantly send me back and forth for resolution. The creditors and collections agencies did supply me with supporting documentation since XX/XX/XXXX showing the accounts were to be updated to accurately reflect the correct status yet the bureaus continue to fail and report inaccurately and non-compliantly. I have been trying to amicably resolve this and have since been denied a mortgage due to the negligence of both parties. 

XXXX XXXX, Experian & XXXX continue to be negligent and I am seeking the accurate updates per the supporting documentation to be completed immediately. 

Thank you,
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the accounts listed below as I have been a victim of a data breach. This request is made in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 

Accounts to be Blocked and Deleted : XXXX  - XXXX - XX/XX/XXXX - {$1000.00} XXXX  - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$780.00} XXXX  - XXXX XXXX XX/XX/XXXX - {$780.00} XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$450.00} XXXX  - XXXX - XX/XX/XXXX - {$620.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$430.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$430.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$450.00} XXXX  XXXX  - XXXX - XX/XX/XXXX - {$1900.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$620.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1600.00} XXXX  - XXXX - XX/XX/XXXX - {$24000.00} XXXX - XXXX - XX/XX/XXXX - {$790.00} Inquiries : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX were never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX  XXXX XXXX AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Mortgage

Applied and took out a mortgage ( MOVEMENT MORTGAGE ) on XX/XX/XXXX/17 for $ XXXX. From the get go I told the mortgage broker it was my intent to pay the mortgage weekly or biweekly as that 's how we get paid and we want to get this thing paid off as quickly as possible, including adding some extra for principal when we could ... ... He said, " yes, we do that, but you have to wait til you get your first statement, as they have a " high turnover rate = selling the mortgage '' ... Now, fast forward to near closing : the mortgage broker ( XXXX XXXX ) was annoyed constantly by my questions like : asking for more details about what different fees were and requesting explanations etc. We probably had 15 versions of the Closing Docs, as I was reading them and questioning everything.. he basically said in a text to me.. " Well I found out you are pretty relentless in fight every person in the process, so now I need to call a whole bunch of people to try to get you written proof on how mortgages work and why you need to escrow '' ... Escrow was NOT the only questions I had and isi n't it his job as my mortgage broker to assist and educate me on the process? ( We did not have a real estate agent ). So on the last CD at the Settlement table there was a tax fee of {$420.00} to cover " unpaid '' taxes - however, our taxes were already paid for that period by the seller ( and proven ), yet they were still charged to the seller ( which my husband was XXXX seller ) and also the purchaser. They should not have even been charged to anyone ( Seller/buyer ). Was told by the title company representative for the Mortgage Broker ( at settlement table ) that they were told in advance by XXXX XXXX if there were any changes on the CD, that they would negate our approval and cancel our purchase. Ok, so we are out {$460.00}. because, whats XXXX to the grand scheme of XXXX and the entire loan process all over again??? Now, I get my 1st payment slip, call Movement to et up weekly or biweekly payments, and I am told they do NOT allow weekly or biweekly payment and do not have anything in place to do that. Basically ensuring the term of the loan and the amount of interest they collect. I would never ever recommend Movement Mortgage or their broker XXXX XXXX, whom I fully entrusted as he was a previous work colleague ( he rented office space ). After closing, I did not receive a thank you / congrats call, text or email from XXXX XXXX, but I am sure he will be enjoying the commission earned from that loan. I will be filing a lawsuit and complaint to the Federal Government, State Government Agencies, Better Business Bureau and any other agencies that I can get the word out too ....
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  XXXX  closed/late - XX/XX/2018 balance {$1900.00} - reported on Equifax and XXXX  XXXX  XXXX  ( ORIG CREDITOR : XXXX ), XXXX XXXX   XXXX, XXXX XXXX XXXX  accounts do not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following addresses are being report as new address that have but arent my address and I never used these addresses. I was told that Citibank provided those addresses as my new address. I dont know if anyone obtaining credit cards or any other fraudulent account at those addresses. 

Alert date : XX/XX/XXXX XXXX XXXX XXXX, XXXX, NY XXXX Alert date : XX/XX/XXXX XXXX XXXX XXXX, XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section. 
Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Everytime I call this company they never resolve any issue they just transfer you till the call drops. It's really unprofessional that the agents you get cant speak english and have a bad attitude. Im also receiving other peoples credit reports in my mail. What is your process on verifying info? Im over this company making so many mistakes and never resolving them!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet and SSN and someone started opening accounts in my name and I would like these accounts removed the law states if victims of fraud or identity theft these items will have to be removed within the week. 

XXXX XXXX XXXX : opened XX/XX/XXXX XXXX XXXXXXXX : opened : XX/XX/XXXX XXXX XXXX XXXX : opened XX/XX/XXXX XXXX XXXX XXXX XXXX : opened XX/XX/XXXX XXXX : opened XX/XX/XXXX I also want to remove late payments from department of ED accounts : opened XX/XX/XXXX XXXX
Product: Vehicle loan or lease

I finance truck capital one XXXX and have problem paying due to unempolyment.They repossed the truck 2008.I just get dated XX/XX/XXXX account number XXXX. 
I think is 15 years old i should not get.
Product: Consumer Loan

As senior citizen and XXXX veteran who now is experiencing a financial hardship due to decreased income and spouse XXXX who is unable to work. My wife and I have fallen behind on a title loan which is secured via a boat title. Our payment history was excellent with PNC Bank until XXXX. Please be advised that we live on this boat in Michigan during the summer months. It is large enough to serve as our residence during that time. Received a threating letter from PNC Bank ( Notice of Default and Right to Cure ) demanding payment of {$9400.00} in less that 33 days from the date of letter ( XXXX15-not received until XXXX/XXXX/15 ) increasing our payments {$1800.00} over the demand period with no consideration or dialogue regarding a customers ability to repay. No concern via PNC regarding the Repay Rule just a threat and oppressive demand to pay under threat and PNC ultimatum. I initiated contact with PNC prior to receipt of XXXX/XXXX/15 demand letter to work out a payment plan to no avail to date. Constantly in contact with PNC Collections ( XXXX ) and Executive Client Relations ( XXXX ) in order to work out a reasonable/affordable payment plan still to avail. I will keep up contact until I have a representative call contact me while many days passed with our any reasonable terms discussed to work out a payment plan. This to prevent reposition of my asset which I have paid on for over 13 years in good standing and promptly. PNC Bank also demands this customer must contact them in writing with a payment plan taking up more time of the 33 day time allotment attempting to place repressive pressure on the customer to relent to their treats and payment ultimatum only. Please contact PNC Bank on behalf of this senior and XXXX veteran to get their attention and work our a reasonable payment plan for this customer which I have not been successful accomplishing as soon as possible. I also believe that PNC acting in bad faith using oppressive collection tactics on other customers like me as well. Perhaps, this complaint will help the CFPB to assist other PNC Bank customers and require this bank to active in a customer centric manner and correct their repressive and perhaps illegal collection efforts in bad faith as in my case.
Product: Checking or savings account

To Whom It May Concern, I bank with Wells Fargo. I have been debited {$600.00} on XX/XX/XXXX from a company called XXXX XXXX. It was an ACH payment. I was out of country traveling, so I tried to contact Wells Fargo XXXX XXXX XXXX, but was not able to connect with someone. 

So on XX/XX/XXXX, the day I came back to the States, I called WF to report the fraud claim. Wells Fargo gave me a claim ref number XXXX. I then waited and waited for an update. Never received one. 

So today, XX/XX/XXXX, I called Wells Fargo XXXX XXXX to check on the status of the claim. I was told that I had done business with this company in XXXX, XXXX, and they denied the claim. They gave me a XXXX XXXX 's number of XXXX to resolve the matter on my own. I asked Wells Fargo on what date of XXXX that I had done business with this company, because I don't use ANY accounting service other than XXXX XXXX, and I certainly can't find any transaction history with this company. WF rep said they don't have the date information, but consider my fraud report deniable .... 

Then I called the number Wells Fargo had provided, it's a number that can't be reached. If it can't be reached by me, how can it reached by them to confirm the transaction?????? 

Wells Fargo is very unresponsive to its customer 's claim, and very helpful to the scammers...
Product: Debt collection

I have sent several letters to dispute this item and no response. The first letter sent was a Hipp letter on XXXX and no response or removal. I sent a failure to respond XX/XX/21 no response and it is still on my credit report as of now. The amount of the account is XXXX and still not response on this account that should be removed by now after several attempts.
Product: Money transfer, virtual currency, or money service

I got my PayPal closed to due a violation in the user agreement which I have not done. I only used for personal selling on XXXX. And sending money to friends and family. They refused to give me an answer on why this happen. I believe its most be a mistake in their flagging system. I been a user with them for over XXXX  years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently was notified by XXXX XXXX that i got hit with a hard inquiry from walmart/capital one i never applied or authorized anyone to do this. I would like this removed off my credit report. It was fraudulent activity to best of my knowledge. I have no knowledge of it. I never went into there store. They are saying XX/XX/XXXX. That is inaccurate have not even been inside a walmart since covid.