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

Regarding XXXX. They are continuing to report an account as a Charge off. I have disputed this at least 6 times and have asked in writing to be provided with the accuracy of this account according to the laws and guidelines of the FRCA. They will not provide any proof of verification but continue their incorrect reporting. The company is XXXX XXXX. They have no information except a phone number to call and when I tried it says it's been disconnected. This account was originally thru XXXX XXXX. 
In XX/XX/XXXX I reported fraudulent charges made in this account, many in other countries or locations I had not been too. I worked with XXXX XXXX and continued to pay my charges off until the balance was XXXX. The last payment made was XX/XX/XXXX.  The account was closed. Both XXXX and XXXX  removed XXXX XXXX from my account as they were not the original creditor. XXXX XXXX is reporting the payments I made to XXXX XXXX, but begin reporting late from XX/XX/XXXX. In XX/XX/XXXX they reported my account current. I thought this meant that due to my dispute it would erase all late charges as the remaining amount left was due to fraudulent charges. This was not the case, they then reported it as a Charge off. They also reported that I had made a payment on XX/XX/XXXX. Again inaccurate. They have continued to report to XXXX since then that this is a charge off. Even though XXXX is aware of the situation they continue to report these inaccuracies and will not provide any proof, except to say they electronically verified, even though I asked for written proof that this is my debt, which they were unable to provide me with.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues sure as failing to forward Comsumer-provided evidence to furnishers, accepting unreliable responses, and failing too adequately notify consumer of dispute outcomes. These failures align with my experience, Where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX account listed on all three of my credit reports is inaccurate, how can all three credit bureaus have three different open dates for this account. TransUnion is reporting XX/XX/2015, XXXX  is reporting XX/XX/2015 and XXXX  is reporting XX/XX/2015. This is not good for my credit report worthiness.
Product: Debt collection

Im having credit issues over credit cards accounts that are not mines which is bringing my credit score low because its being told this is my debit some of these cards are over 7 years old and are not my credit cards or my debit its fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXXS Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

According to 12 CFR 1006.34 ( b ) ( XXXX ), collection agencies are required to provide validation information upon request. If they havent done so, you can use this as a basis to challenge the validity of the collection. 

12 CFR 1006.34 ( c ) ( XXXX ) ( i ) outlines the dispute process, which should be provided to you before any negative information is reported to consumer reporting agencies. If this process wasnt followed, it strengthens your position in disputing the account.
Product: Credit reporting or other personal consumer reports

After taking a look over my consumer report I've noticed several inquiries that doesn't belong to me. I have no knowledge of these lenders nor do we have any mutual relations. I strongly believe that the inquiries Experian is reporting are inaccurate in which they don't belong. anything reporting to my consumer report must have my consent. 

Violations committed by Experian : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint against equifax. I have asked that this company take XXXX XXXX off of my credit report since they did not respond to my previous dispute. This is the law!
Product: Credit card

On XX/XX/2023, I purchased two round trip tickets ( one for myself, one for my partner ) from XXXX, Illinois to XXXX, XXXX for {$920.00}. The flight was on XXXX XXXX and I purchased it through Chase Travel. The flight was set to leave on XX/XX/2023 at XXXX XXXX. About 24 hours before the flight ( XX/XX/2023 ), my partner and I attempted to check in for our flight. I was able to do so, but my partner was not. I called Chase to see if they could resolve the problem. I talked to person A who said something about spinning off my partner 's reservation, and said that would mean that my partner could use that confirmation code to check in with the airline. That did not work. My partner and I then proceeded to spend the entire day ( I would guess it was about 8 hours ) on the phone with person B at Chase trying to resolve the issue. We were ultimately told that my partner did not have a ticket issued and we would have to rebook a ticket for the next day at our expense. The cost of the same ticket ( to match my ticket ) was approximately {$3000.00}. Again, Chase said this money would have to come out of our pocket despite that we had booked the flight months earlier and had done nothing wrong ourselves to change the flight. We declined to give Chase more money and risk getting stranded in another country if the same thing happened on the way back, so we scrapped the flight, meaning that neither of us used the two tickets that cost {$920.00} ( as I was not going to go on an international 10-day trip by myself, when that is not what I purchased ). So I need the {$920.00} back from Chase because I simply did not get what I purchased. I have called Chase again on XX/XX/XXXX and XX/XX/XXXX and have submitted a written message through their portal, but keep getting the run around rather than a refund for this terrible experience that put me out {$920.00}, wasted my entire day on XX/XX/2023 ( and several hours after ), and suddenly ripped away long-held travel plans that we were looking forward to.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WFBNA CARD ACCOUN # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by XXXX XXXX XXXX XXXX, XXXXXXXX XXXX ACCOUNT # XXXX, WFBNA CARD ACCOUN # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A social security number in California ending in XXXX is associated with me. That is not my Soc Sec Number. I do not currently work for XXXX. I do not have a XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE COMPANIES VIOLATED MY RIGHTS TIME AND TIME AGAIN UNDERTHESE LAWS WHICH IM PROTECTED 15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS 15 U.S.C 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE XX/XX/XXXX XXXX BANK XX/XX/XXXX ACCT XXXXXX/XX/XXXXXXXX BANK ACCT XXXX XXXX/XXXX/XXXX XXXX BANK ACCT XXXX XX/XX/XXXX XX/XX/XXXXL XXXX XXXX ACCT XXXX XXXX XXXX CREDIT CARD ACCT XXXX XXXX XXXX CREDIT CARD ACCT XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX ACCT XXXX.. 
XXXX XXXX ACCT XXXX XXXX XX/XX/XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XX/XX/XXXX CHILD SUPPORT ACCT XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). This account may not be reported as unverified information without providing any supporting information within the legally allowed time range. The account is shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

I canceled my automatic payment on XX/XX/XXXX. i got email confirmation. 5 days later they still processed payment and refuse to assist me in returning my money. they told me i could eat 14 days to request that the money be returned.
Product: Debt collection

Lloyd & McDaniel, a collection agency, filed a lawsuit against me in XXXX. XXXX in XXXX XXXX. 

At that time, I contacted them via phone and made a verbal agreement to pay a specific amount. I made every payment ( sometimes more than required ) monthly. 

They sent me a document in the mail stating that I was required to sign, but the language used in the document indicated that I was agreeing to a court judgement, which had not been made as we had not gone to court. It also added court costs to the payment schedule, which I do not recall agreeing to. I was informed by a legal advisor through my job to not sign, as no court judgement had actually been made, and in signing the documents I would be agreeing to tactics that would not normally be used without a court order. 

As stated, I made payments monthly. 

Recently, I found out I would have to have XXXX for XXXX, and have to take time off work. While out on XXXX XXXX XXXX, my pay would be significantly less. I asked if I could take a hiatus from payments. This request, made through multiple calls, as I could not reach the correct person for several attempts, was made XXXX XXXX. The response was 'no '. They said they would delete the payment schedule, instead. 

In the meantime, my local court sent a notice to dismiss the lawsuit due to lack of prosecution. In response, the company then sent a notice ordering the case stay active in the docket. In this notice, it claims that the " Plaintiff has not received any response from the Defendant to the Complaint filed in this action. '' This is absolutely incorrect. I have made payments regularly through their telephone system, often communicating with a person to make the payment. I called in late XXXX to discuss the financial situation. Essentially, they appear to be lying to get the case to remain active. 

They are requesting a default judgement, according to the document. Again, I have been making payments, and communicated with them. There is no default. 

In essence, the company has tried to get me to agree to a judgement that would give them powers only a court can give, and has sent a false statement to the court. 

I have screenshots of the dates, times, and lengths of my calls to them in XXXX. I can retrieve earlier call records, if needed. I have taken photos of the documents in question. I am unable to load them at this time, my phone does not want to upload. Will attempt again later.
Product: Mortgage

I refinance my house on XXXX XXXX, XXXX and opened mortgage with Quicken Loans. 
My monthly payment on 30 years fix interest loan was XXXX On XXXX XXXX, QL against my knowledge and my wishes created an Escrow account that is attached to my 30 years mortgage. Since XXXX XXXX I made over 10 requests to close Escrow account. QL refuses multiple requests to close escrow account unless I apply for new higher percentage loan. 

QL uses an Escrow account to frequently modify the amount of monthly payment, and charge me a fee if I can not pay new payment within the grace period. 

In XXXX XXXX clerk at XXXX XXXX collector office told me in person that I could make payment on real estate tax anytime until XXXX XXXX without incurring any additional fees. QL did not inform me about its intent and on XXXX XXXX, XXXX decided to pay XXXX XXXX collector office and present me with a bill. 

On XXXX XXXX, XXXX QL purchased second real estate insurance ( in addition to one I already had ) for the amount of XXXX. I complained and on XXXX XXXX, XXXX, QL issued a refund of XXXX. 

On XXXX XXXX, XXXX QL decided to pay XXXX XXXX collector office again and present me with a bill. My real estate taxes was paid by me in XXXX XXXX ( one month prior ) and QL issued a payment on taxes that is not due yet. Furthermore, QL paid on taxes that are not billed yet. 

I am asking QL to issue a refund of {$3800.00} because I already paid the second installment of XXXX taxes on XXXX XXXX, XXXX, close escrow account, and stop making payments on my behalf to entities that not even requesting payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a LEGAL older XXXX and resident of the United States since XX/XX/XXXX. 
I have a small sole proprietor design and remodeling business. 

In late XX/XX/XXXX and followed up last year, XX/XX/XXXX through marketing I received an offer for a a revolving line of credit by Bank of America for my small sole proprietor business, with the words that I qualify. 
Despite having a average stellar credit rating in the 800s and an enthusiastic encouraging preapproval, I got turned down by the bank after applying with the argument that I have to high payment obligations. When asked they said I have a mortgage payment of {$1900.00} a month. Although my average monthly gross receipts are more than sufficient the bank would not budge and insisted on a credit report Fact is I never applied for mortgage and I never held a mortgage. there is no such monthly payment obligation and I never have ever made such a monthly payment neither have I ever received any letter claim or collection of such. 

Even stranger but obvious to me, checking all 3 credit reports I do not show any mortgage or such payment obligation. All I got was a hard inquiry knocking me down by 10 points due to the bank inquiry. 

Bank of America so far has denied my request to see this report. 
Obviously it is pointless for me to file a complaint against a credit reporting agency for something that does not exist!
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I requested account cancellation and received confirmation of cancellation. On XX/XX/XXXX, I discovered acct was reinstated without my consent or knowledge. When I inquired how this happened I wasnt given an explanation. In addition prior to this incident. Daily pulled funds from correct pay period and the following pay period which wasnt posted nor were they eligible to pull from pay period. The exact amt that should have posted to my acct was {$940.00} reminder pay instead it was XXXX. I cancelled after this and was informed that I had to reopen to have error corrected. In addition, recently I changed my direct deposit and daily pay interceded and reverted my pay back to their chosen direct deposit acct. this happened x2-3 times with XXXX. I do not wish to conduct business with Daily Pay. This has caused extreme hardship and they continue to cause. I have no control over my banking/direct deposit and I have repeatedly asked them to seize all transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent inquiries and personal information from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any inquiries and personal information listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of inquiries and personal information that do not belong to me or were opened without my permission : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) , the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Debt collection

On XX/XX/18, My wife and I went to the Best Buy Mobile store in XXXX, FL to change our cell phone service from XXXX XXXX XXXX to XXXX XXXX. At that time, we agreed with the terms to buy one XXXX XXXX and get the second one free. However, we couldn't finalize our contract due to a compudter problem. We were asked by the Best Buy employees to return the next day to complete our contract. When entering the Best Buy Mobile store on XX/XX/18, we were told that both of our new XXXX XXXX 's would be free due to the computer problem from the previous day. We were also told the the store would have to eat the cost ( {$690.00} plus tax ). Of course we agreed to the new terms. For 8 months from XX/XX/18, XXXX XXXX did not bill us for phones. In fact, they gave us a discount for bringing our new XXXX to the new XXXX XXXX Plan. Then on XX/XX/18, we added our daughter to our XXXX account. The phone she added was an XXXX XXXX, and was fully paid for. As a result, XXXX determined that we were not being charged for our XXXX XXXX 's, and backed billed us {$480.00} in XXXX. Before this, we were paying {$60.00} or less for our two lines. I was a bit upset that we were to pay for phones that we were told were free by Best Buy. I called XXXX XXXX several times about this, and finally talked to XXXX corporate ( Mr. XXXX, phone # XXXX ). He told me that XXXX needed reimbursed, and since Best Buy Mobile made the mistake, that they needed to give us a credit, or that they needed to pay XXXX. Then I contracted Best Buy at XXXX about what happened. Best Buy started a file ( XXXX # XXXX ), and referred me to there supervisor XXXX XXXX. For 2 1/2 weeks we emailed numerous times. Thru our emails, she told me that Best Buy Mobile mis-coded our phones as being unlocked. It is now my understanding, that after 8 months of not paying for our phones, that we are to pay 100 % for there mistake. I don't think this is not good business practice, and is why we're asking for help. We previous submitted this same complaint to the Federal Trade Commision, but they recomemded to send our complaint to you. We told Best Buy that honest mistakes do happen, and would be willing to pay something. It seems to me, if a codeing error was made, that it would have been a simple fix. Best Buy Mobile employee are experts when it come to mobile phone, why would they just say there was a computer error, and say our phone were free. If you need any additional information, I'm available. XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX, phone # XXXX
Product: Mortgage

Rocket Mortgage lured me in with low-interest promises, then delayed the closing multiple times for a number duplicate requests and calls for documentation they already had. Then the mortgage broker failed to return my calls and correspondence about their rate-lock guarantee. As a XXXXXXXX XXXX citizen who is recovering from a XXXX, this business took advantage of me. Their deceptive marketing practices are well-known by now, why isnt anything being done? 
This company is damaging my quality of life, taking all of my financial information yet never giving enough information. They have me share information and dont even give a mortgage account so they can change the terms as they desire.