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

I recently checked my credit report and noticed a two new accounts showing that doesn't belong to me. XXXX XXXX XXXX in the amount of {$3900.00}, And XXXX XXXX in the amount of {$680.00}. 

I spoke with someone over the phone for both accounts and they said that there was a medical debt in my name. I have no medical debt. I informed them that the debt was not mine. they told me to bad so sad. I then spoke to the hospital XXXX of XXXX and explained what was going on. I was once again turned away, telling me they don't care and i need to report this with someone else. 

XXXXXXXX XXXX and XXXX XXXX  have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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, States a consumer reporting agency can not furnish an account without my written instruction 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 7 years. 
U.S.c 1681s-2 ( A ) ( 1 ) states 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 the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is now showing my payments to XXXX XXXX services as " late '' over 7 occurrences which is false causing a severe point score drop on my scores. I have never been late with this account payment. They should correct immediately.
Product: Money transfer, virtual currency, or money service

Ive been told my auto deposits from social security and the VA are being delayed and I have now been blocked from asking questions to Chase on the online messages. What appears online is not a reality as my account is frozen from ALL transactions both in and out and Ive been offered no coherent reason. Ive been given contradictory and inaccurate information
Product: Mortgage

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX XXXX Mortgage Company : Rushmore Loan Services Loan no : XXXX To Whom It May Concern : I am sorry for delaying my mortgage payments. I have not kept my financial responsibility to your company because I had a marital separation and family emergency. All of my assets were almost lost due to my unfortunate event. 

However, I have slowly recovered from financial depression and I am able to keep my monthly mortgage payment and if you agree to help me workout a repayment plan. 

I have a stable job with a good income, and I would like to know if I can include my daughters income. I have invested 12 years on my property and I do not want to lose my condo, it is very important to me. 

I CAN AFFORD MY MORTGAGE PAYMENT ; UNFORTUNATELY, ITS THE ARREARS I NEED TEMPORARY HELP WITH. HELP WITH a repayment plan, a reinstatement, or some other solution to get me back on track. 

I have sent a detailed report to the Consumer Financial Protection Bureau as well as FHA and HUD. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

My payday loan repayment was due back on XX/XX/XXXX. I had not been able to pay it be-cause other expenses that I am paying for. I had requested for help from debt relief agencies to help me repay the loan. I need help from your agency as well to help me repay the loan of {$300.00} back to SPEEDY CASH.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Subject : Request for Update of Personal Information and Removal of Fraudulent Entries Dear Experian, I am writing to formally request an update of my personal information in your records and to dispute the continued presence of fraudulent and inaccurate information on my credit report. The only address I have ever lived at is XXXX XXXX XXXX, XXXX XXXX, FL XXXX. The address listed on my credit report that is being repeatedly inserted by XXXX XXXX XXXX XXXX, FL XXXX XXXX not mine, and I have never lived at that address. 

Additionally, I have noticed that a fraudulent XXXX XXXX account continues to be RE-INSERTED on my credit profile, which I dispute. According to the FCRA, an itemized billing statement is not considered proof of obligation, and at this time, I have not received any legitimate documentation showing that I owe this fraudulent debt, nor have I seen any agreement signed by me with a wet ink signature validating my obligation to this account. 

Experian has continued to RE-INSERT this fraudulent address and XXXX XXXX account on my credit report without providing adequate proof of my association with the address or the account. This ongoing re-insertion, despite clear evidence to the contrary, constitutes aiding and abetting fraudulent practices and sham investigations that are severely harming my livelihood and ability to obtain shelter, employment, and credit for transportation. 

I am formally requesting that Experian BLOCK these fraudulent items under XXXX  XXXX, which requires blocking fraudulent information WHILE NOT UNTIL an investigation is conducted. If Experian continues to allow these fraudulent items to remain on my credit report without proper verification, Experian will be seen as assisting and abetting XXXX XXXX in fraudulent practices, which is a clear violation of the FCRA and constitutes willful non-compliance. 

Your continued failure to remove these fraudulent items is damaging my reputation and creditworthiness. I demand that the fraudulent address and XXXX XXXX account be removed immediately from my credit report. Failure to comply will result in legal action, including but not limited to defamation and violations of consumer protection laws. 

Thank you for your prompt attention to this matter. I look forward to your immediate response and resolution of this issue. 

Sincerely, XXXX XXXX
Product: Checking or savings account

It came to my attention from a fellow veteran about this lawsuit from navy federal about overdraft fees. I have had issues in the past about overdraft fees and Im not sure what exact dates these occurred. I was a XXXX and served through XXXX so I know I was serving during the timeframe these issues occurred.
Product: Credit card or prepaid card

On XX/XX/XXXX, Barclay 's Windham Rewards card took a payment from my bank when there was a {$0.00} balance because I had auto payment turned on for the statement balance, but I had made a payment in full by check before that autopay date. I even received an overpayment refund from the last payment. On XX/XX/XXXX, I advised them they took money from my bank when no payment was due. They informed that a refund could not be processed until 7-10 business days have passed from the date payment posted. I have reached out to them on multiple occasions only to get the same response. 
Additionally, they can not process a refund in the same manner they took it. I have to wait for a check. I have been debited {$2400.00} since XX/XX/XXXX. There still has not been a check issued to me as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please do not close this complaint. This dispute is unrelated to complaint XXXX. XXXX and Equifax were not listed in the previous complaint. 

I am filing this complaint against XXXX and Equifax for failing to delete and discharge an inaccurate public record account from my report. They're stating I have a bankruptcy listed from XX/XX/2017. I sent them a letter demanding copies from the court showing this public record is valid. They did not send me the documents I requested and refuse to remove the account. I am frustrated and dismayed about this erroneous item on my credit report. I also found out from Representative XXXX XXXX of the House Select Subcommittee that XXXX and Equifax have been discarding disputes they know violates the fair credit laws.This public record account is inaccurate, invalidated, unverifiable and questionable. Please ensure this account is deleted and discharged immediately.
Product: Credit reporting

TransUnion refuses to reinvestigate an item that 's appearing on my credit report. I sent several documents in that stands behind my claim. I was told by a XXXX that works for TransUnion on Friday XXXX, 2016 that although I sent in proof of the inaccuracies there 's nothing they can do about it. Only the company can remove inaccurate items. Please find that I 've included the necessary documents that this item is reporting incorrectly and still remains on my credit bureau. 
" Under Section 611 of the FCRA, if a consumer disputes the completeness or accuracy of his or her credit file, the credit bureau has an obligation to conduct a reasonable reinvestigation.79 Thebureaumustgenerally complete a reinvestigation within 30 days, in which it must consider all the relevant information supplied by theconsumer.80 Moreover, it has five business days to forward the dispute to the relevant furnisher.81 The credit bureau notification to the furnisher shall include all relevant information received from the consumer.82 Ifthereinvestigationdeterminesthattheconsumer'sdataisinaccurate, incomplete, or can not be verified, thebureaumustdeletethedisputeddata.83 Furnishershaveindependentobligationsunderthe FCRA, after receiving notice from a CRA of a consumer dispute, pursuant to Section XXXX to conduct an investigation into the disputed information, to review all the relevant information provided by the CRA, and to report the results of the investigation to the CRA. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX veteran trying tp purchase a home. I noticed that XXXX XXXX is duplicated twice on my XXXX report listed below. I dont owe this company anything. 
According to Louisiana state law CC 2682. 
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. I have not XXXX, Transunion have not showed proof please remove. This is affecting my ability to provide shelter for my family. 
XXXX 1. Date Reported : XX/XX/XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1500.00} XXXX XXXX XXXX   Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was making a purchase at XXXX XXXX XXXX in XXXX, Louisiana on XX/XX/21. The Sales Representative suggested using my existing XXXX XXXX credit card in order to earn rewards points. I opted to use my personal general credit card. The Sales Rep persisted in using my XXXX card, so in order to finish the transaction I used my XXXX card. The system did not receive/invalidated the card. I then countered to again just use my general credit card. The Sales Rep kept insisting, and had me call XXXX XXXX  ( operating the XXXX credit cards at that time ) in order to verify my XXXX cards validity. The Bank confirmed my card was valid. After trying to swipe/tap my XXXX card again, it declined. The Sales Rep then came up with the reason that XXXX was switching banks and that affected my cards validity. She insisted that she can assist in locating my XXXX account to charge the purchase. At this time I insisted again to use my personal general card. She insisted it will take only a few minutes. After a few moments, she asked me to provide my personal information into the system she was using to locate my information. I asked to confirm that she is locating my existing card, and that this action will not affect my credit report. She said no. I asked 2 more times as she continued to verify my information that this action will not show up on my credit report. She said no. Finally, she called the bank in order for me to verify my Social Security Number, and I asked the phone representative that they are able to see that I already have an existing card and that this is the same account I am trying to access for this transaction. Phone rep said yes. After I confirmed the final piece of information with the phone rep, I was congratulated for my new account. At this point I realized they ( XXXX XXXX under XXXX XXXX  ) opened a completely different account/card under my information. The Sales Rep was dumbfounded as I repeated the confirmation that a new credit card account was indeed opened on my behalf without my consent. I ordered the phone rep to cancel the transaction, but she said she could not and will need to just close the account. At that point, that was my only choice. The Sales Rep did not take responsibility and blamed the training team/material for the grave mistake. I repeated that is why I asked multiple times if this would reflect on my credit report, as well as using my existing personal credit card. Now I had both a hard inquiry and closed account inaccurately recorded in my credit report. 

I have attempted to file this incident with Experian, XXXX, and XXXX. They conducted investigations that all lead to confirming the incident as a valid transaction and have recorded the opening and closing of a second XXXX XXXX credit card that I did not authorized and was defrauded by the company to open.
Product: Debt collection

you asked the collection agency to send me proof of the original contract from the original creditor. With my written signature. I also asked for proof of ID and Social security card which must be present when trying to obtain a service from t mobile and that I have never done any business with XXXX XXXX  or amshercollectionservices also The FCRA states that if they provide proof of original documentation that I am allowed to sue them. I want collection removed from all credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXt # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX account # XXXX, Capital XXXX account # XXXX, XXXX XXXX XXXXXXXXXXXX XXXX  account # XXXX, DEPTEDXXXXXXXX XXXX  # XXXX, DeptEDXXXX account # XXXX. 

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

15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to 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 have disputed this account with Equifax and resolved the issue with XXXX XXXX with the assistance of CFPB. The company responded and that CFPB information was provided to Equifax. They in turn responded to me that the collection company is still reporting to Equifax that the account is Reporting correctly despite the fact they reported to CFPB the following : responded Status Company responded on XX/XX/XXXX Response Type Closed with explanation XXXX XXXX XXXX Dear Consumer Financial Protection Bureau : Thank you for the inquiry regarding the above-referenced consumer. Our office values the feedback of the consumers we serve and hope to reach an amicable resolution with the consumer and your office. I have reviewed our notes and the documentation provided by the consumer. The account was placed in our office for collection on XX/XX/XXXX with a balance of {$350.00} owing to XXXX. The last payment on the account to the creditor was XX/XX/XXXX. On XX/XX/XXXX, the creditor recalled the account from our office, and our office has not attempted any collection effort on this account since said date and we are no longer reporting the account to the credit bureau. If you have any further questions regarding this account, please direct them to XXXX 

My question is, isn't this a violation of the FCRA? 
Someone is lying to both of us. 
Equifax 's report is reporting on XX/XX/XXXX that the " account is verified and reporting correctly! ''
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} DEPT OF EDUCATIONXXXX XXXX XXXX Balance : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company several times to change my personal information that was compromised. They refused to change my information to help my identity. My local bank has a different story. I payed through them every month on top for all my payments I made through out every month. I made a XXXX dollar payment out of XXXX dollars before they closed the card then added another XXXX dollars this past month. They seem to raise my loan all the time. The current balance is {$610.00} no transactions so far. available credit is XXXX. Last statement balance {$610.00}. They wanted to have a payment quickly. statement closing date XX/XX/2022 payment due date XXXX ; XXXX miminumun payment {$40.00} When I call them they tell me I have to pay them every XXXX by that date. I told them I have social security. They didnt seem to care. My first payment was XX/XX/2022 of {$100.00} Payment description was payment thank you. for each payment. next payment receeived was XX/XX/2022 of XXXX then XX/XX/2022 {$200.00} then the next payment was XX/XX/2022 of {$50.00}. After my second payment I noticed someone from my local bank contacted me and told me to come in and said someone was pulling out money without my permission. I found out it was the credit card company. They took out the rest of the payment of the card without my permission and consent that month after I payed them {$100.00} on XX/XX/2022 everytime someone uses that card or number my loan increases. They refuse to close it. They keep it open all the time.
Product: Debt collection

A few weeks ago, I received an unexpected certified letter from a law firm representing Portfolio Recovery, detailing wage execution procedures with various numbers and percentages. The letter lacked any explanation of the underlying debt. It stated that I was being sued and had XXXX  days to respond to both the law firm and the court.

I promptly responded, expressing my confusion as I had no knowledge of the debt in question. Despite my response, I received a subsequent letter from the law firma copy of their communication with the courts finance departmentrequesting a constable to enforce the wage execution.

Shortly after, I was informed by the court that my objection to the wage execution was denied. I reached out again to the finance department, the law firm, and the court, reiterating that I had no information about the debt, had not waived any rights, and suspected a scam, as there was nothing related on my credit report.

As a resident of New Jersey, I am aware that the statute of limitations for such debts has long passed. Nevertheless, I have now been assigned a court date for next month, as Portfolio Recovery aggressively pursues this wage execution.
Product: Debt collection

Hi applied for a loan for solar however no work was done, and the total amount of loan was paid to the contractor.

The contractor acknowledges they received the funds, did no work, and accepted 100 % responsibility for the loan/funds. 

However, the company Mosaic continues to seek repayment from me. XXXX acknowledges funds were paid entirely to the XXXX, and the XXXX has sent them a letter saying they were paid the loan funds, however XXXX continues to seek repayment from me. 

The company is Mosaic, Mosaic XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

Since XX/XX/year>, the company ( Western Union ( WU ) ) has been cancelling my transactions with no apparent reasons. First I was told that my local bank is preventing the transaction which turned out to be false, and my bank has confirmed that there is absolutely no problem with my account or there is no 'hold ' on my transactions. Next, when I contacted WU, then I was given a different story, - that their compliance department has blocked my transactions. Why? No answer.

I lodged two complaints through the WU Customer Service Department ( case # XXXX for the compliance dept, and case # XXXX for the corporate office ). I was told that WU would call me back within 2 days to have this matter resolved, but that also hasn't happened. 

For not being able to remit funds to my near and dear ones is causing a lot of stress and inconvenience. WU 's customer care service to resolve this matter is simply pathetic.
Product: Credit card or prepaid card

An automatic payment for {$2400.00} failed on XX/XX/22 and the failure was corrected ( balance paid in full, plus extra ) on the same day through 2 payments ( XXXX and {$1000.00} ). The company ( Goldman Sachs ) charged interest totally {$56.00} for the balance of the missed payment. Goldman Sachs representatives refused to acknowledge that our payments made them whole on the same day that I was aware of the missed payment and refused to remove the interest charges.
Product: Debt collection

I just spoke with experian and I spoke with and employee badge number XXXX I asked to remove XXXX XXXX XXXX off my credit report I cant receive mail from the XXXX XXXX XXXX he said he could not remove the address I also explained to him that there should not be any past due amounts on a debt collection he said he couldnt do anything about that I also told him that web bank sent me a letter and in the letter they had sold the debt to XXXX XXXX XXXX and they would not remove it from my credit report XXXX XXXX XXXX is reporting misinformation on the credit report past due balances incorrect information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX case # : XXXX ( deducted credit score XXXX points ) never get adjust XXXX XXXX did removed incorrect delinquent history, but not late payment history, from my credit report. 
The late payment was a mistake and I reported it to XXXX XXXX. 

My credit score ( never NOR adjust ) after the delinquent history payment was removed. 

I disputed the late payment with the credit bureaus, but my dispute was not successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian didn't do a great job with my my fraud case. Seem like I did all of the leg work myself. I asked a rep at the Experian company why I'm I paying each month if they can't get answer to my problem.