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

This complaint raised my concern on XX/XX/XXXX Account number XXXX. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( A ) - states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Opt- Out law - 15 U.S. Code 6508- That law clearly states that I have the right to Opt-out of anything that's on My credit report.

Per- The FCRA as A federally Protected Consumer, I am Now Opting Out From any and all Authorization, That ( I ) the consumer, May have given you, Written, unwritten, verbal, non-verbal Per 15 usc 6802. 
Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974. 
15 U.S code 1681b - permissible purpose of consumer reports ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( XXXX XXXX XXXX has not had My Written consent to report any impact on my consumer report file ) They Do not have my Written Permission to report. 
15 Usc 1681 - b. Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( b ), 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 anteates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 
XXXX, XXXX, equifax, XXXX XXXX XXXX XXXX XXXX XXXX is a 3rd Party company.this reporting is in direct violation of Metro 2 compliance standards. 
Important Definitions - The term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph This includes consumer reports. 
XXXX, XXXX, equifax, XXXX, & XXXX XXXX XXXX, is a 3rd Party company. 

Account Means : A Written list of Transactions, noting MONEY Owed and money paid; Statement of mutual demands Arising out of a contract or a fiduciary relationship. 
Account can simply list payments, losses, Sales, Debits, Credits, and other transitions, or it may further and show a balance or the results of companies opposite transaction, like purchase and sale.
Product: Mortgage

My insurance company sent a yearly invoice for payment to my mortgage company " Lakeview Loan Servicing '' /XXXX ''. The policy number is XXXX with an expiration date of XX/XX/22. Lakeview still has not paid the invoice, and are indicating that my information is " outdated ''. They have had the same insurance information for years, and my homeowners insurance company has not changed. Why havent they paid this invoice, and why are they pretending like its up to me to update it every year? It is automatic, my insurance company bills Lakeview Loan Servicing. My Lakeview account number is XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for its repeated refusal to conduct a thorough investigation into inaccurate items on my credit report, as well as incorrect personal information, despite multiple requests and provision of necessary documentation. 
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I diligently submitted dispute letters to TransUnion, requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. I took great care to include a copy of my photo ID, social security card, and a recent bill with my current address to assist TransUnion in verifying my identity and address. However, on two separate occasions, TransUnion refused to conduct the investigation. 
Subsequently, I received responses from TransUnion, dated XX/XX/XXXX, and XX/XX/XXXX, which stated that they refused to conduct the investigation. These responses failed to provide any valid justification for their refusal and neglected to address the substance of my dispute. This repeated refusal to investigate the inaccuracies on my credit report is in direct violation of my consumer rights. 
Transunions failure to conduct a reasonable investigation into the disputed items on my credit report is a direct violation of my consumer rights under the FCRA. As per the FCRA, credit bureaus are obligated to conduct a reasonable reinvestigation when the completeness or accuracy of any item of information in a consumer 's file is disputed. It seems evident that Transunion has infringed upon my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute, as mandated by the Fair Credit Reporting Act. 

Enclosed, you will find a copy of the dispute letter I sent to Transunion and Transunion 's subsequent response. This documentation serves as irrefutable evidence of my efforts to rectify inaccuracies on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX many times to complain and to remove 3 inquires that i did not authorise and still have not done anything or removed them.
Product: Credit reporting or other personal consumer reports

I called GM financial along with their total loss department know that as a federally protected consumer, I was opting-out of any and all authorization given to report any information given to any third party. That I the consumer have given them written/ unwritten- verbal/nonverbal per 15 USC 6802 effective immediately and indefinitely!

However they have failed to do so in multiple attempts of me contacting them submitting this request even though I was told by the two of the representatives that they had in fact submitted my request. With them failing to do so has took a toll on my credit score damaging my reputation unforeseen future credit extension as a consumer to get to get things I need.
Product: Mortgage

On or about XX/XX/XXXX, I began working with my existing mortgage provider ( Bank of America ) on refinancing my mortgage. My loan officer and I engaged in back and forth discussions over the next couple months, which included the bank charging me {$610.00} on XX/XX/XXXX for the processing of the loan refinancing. I provided all documentation that was requested and possible for me to obtain, such as my W-2s, tax filings, home insurance information, however, I began to grow concerned when they indicated that they might not be able to process it because my student loans were in " deferment. '' I explained to them that this was a result of the CARES act, which provided an automatic suspension of principal and interest payments on federally-held student loans through XX/XX/XXXX. I am currently enrolled in the PSLF program. They began asking for various pieces of evidence on not only my school loan payments, but also about my company 's bonus structure and why I got a higher amount at the beginning of year XXXX as opposed to XXXX, which I provided in writing the best I could since I did not make the decision of what I got for a bonus. Additionally, I provided them evidence of every payment I made as part of the PSLF program, as well as all documentation provided regarding the CARES act and how it would pertain to my loan. This was not sufficient, however, they continued to ask questions on how they determined my monthly payment plan, which I explained was based on tax filings, which were already made available to them. In the end, I was unable to obtain the processing because I could not " Obtain written documentation from the creditor verifying : ( a ) Actual monthly payment ; ( b ) Payment status ; ( c ) Outstanding balance ; ( d ) Loan terms '' that were satisfying because that information was {$0.00} due to the CARES act suspension. 

After following up over the past month and not hearing anything, today, XX/XX/XXXX, I found out that they had ultimately denied my refinancing as a result of the loans being in " deferment. '' From everything that I can gauge, the CARES act should not have prevented me from obtaining the refinancing, and I believe that the bank is using that as a reason for me to not have a lower payment. Additionally, I was informed that I would have to request in writing to have the money for the processing refunded, and that they could not guarantee I would even get that money back.
Product: Credit reporting or other personal consumer reports

Based on the provided account information from the credit report for XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ), here are the inconsistencies and incomplete information among the XXXX major credit bureaus ( XXXX, Experian, and XXXX ) : Account Number : XXXX, Experian, and XXXX all report a partial account number as " XXXX. '' Account Type : XXXX reports it as an " Open account. " Experian reports it as an " INSTALLMENT '' account. 
XXXX reports it as an " Open Account. '' Account XXXX - XXXX : XXXX reports " XXXX account. " Experian reports " XXXX XXXX. '' XXXX reports " XXXX Account. '' XXXX XXXX : XXXX and Experian report " Individual account '' as the bureau code. XXXX reports " XXXX Account '' as the bureau code. 
Account Status : XXXX and Experian report " XXXX '' as the account status. 
XXXX reports " OK '' as the account status. 
Monthly Payment : None of the bureaus report a monthly payment for this account. 
Date Opened : XXXX, Experian, and XXXX all report a date opened of " XX/XX/2023. '' Balance : XXXX, Experian, and XXXX all report a balance of " {$770.00}. '' No. of Months ( terms ) : Experian reports " 1 Month '' as the term for this account. 
XXXX and XXXX do not provide a term for this account. 
High Credit : XXXX, Experian, and XXXX all report a high credit of " {$770.00}. '' XXXX XXXX : None of the bureaus report a credit limit for this account. 
XXXX XXXX : None of the bureaus report past due information for this account. 
XXXX XXXX : Experian reports " Seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department '' as the payment status. 
XXXX and XXXX do not provide a payment status for this account. 
Last Reported : XXXX, Experian, and XXXX all report a " Last Reported '' date of " XX/XX/2023. '' Comments : There are comments indicating that the account is placed for collection. Experian also includes a note about consumer disputes and reinvestigation in progress. XXXX does not provide comments. 
Date Last Active : XXXX and XXXX report a " Date Last Active '' of " XX/XX/2023. " Experian reports a " Date Last Active '' of " XX/XX/2023. '' Date of Last Payment : None of the bureaus report a date of the last payment for this account. 
Two-Year Payment History : Experian reports " CO '' ( charge-off ) for the month of XX/XX/2023, while XXXX reports " OK XXXX for all months. XXXX does not provide a payment history for this account.
Product: Credit card

i am not request for credit card from target company on XXXX/XXXX/2016, on my credit report they showing HARD in quire on that day can you please help me to dispute the report because i am ready have the debit card for target i do not need that card thank you very much for you support
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent accounts and inquiries you have reported on my credit file. I have never conducted any business with your company, nor with XXXX XXXX, XXXX XXXX XXXX XXXX, or XXXX XXXX XXXX. I did not authorize any of these companies to access or report on my credit. This is a clear breach of my privacy and a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Here are the key facts : XXXX Fraudulent Account : I was the victim of identity theft, where a fraudulent XXXX account was opened in my name. After contacting XXXX XXXX they confirmed the fraud and closed the account, as verified by XXXX XXXX XXXX However, despite this, Credence has inaccurately reported this account on my credit report. 

XXXX XXXX Fraudulent Account and Inquiry : I have never had any business with XXXX XXXX, yet a fraudulent account and inquiry have appeared on my credit report in their name. This is unauthorized and must be removed immediately. 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX : I have never done business with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and their inquiries on my credit report are fraudulent. I did not authorize these inquiries, and they violate my rights under the FCRA. 

These actions constitute violations of : FCRA ( 15 U.S. Code 1681s-2 ) XXXX and the above-mentioned companies are reporting inaccurate and unauthorized information to consumer reporting agencies. 
FDCPA ( 15 U.S. Code 1692e ) False representation of a debt, as I have no legitimate relationship with these companies. 
FCRA ( 15 U.S. Code 1681b ) These companies had no permissible purpose to access or report my information. 
I demand the immediate removal of : The fraudulent XXXX account and any associated negative information reported by XXXX. 
The fraudulent XXXX XXXX account and inquiry. 
The unauthorized inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 
I expect written confirmation that all of this information has been removed from my credit report within 10 business days. If this matter is not resolved promptly, I will proceed with legal action for violations of the FCRA and FDCPA, and I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Better Business Bureau ( BBB ).
Product: Debt collection

XXXX XXXX XXXX XXXX sent me a letter to collect debt. I do not owe any. And the letter provides no info on what debt i owe. It looks like a scam.
Product: Money transfer, virtual currency, or money service

PayPal was used by a buyer that was purchasing some items from me .items were shipped in good condition nothing broken on my end .but the person who received the items claims some where broken. Buyer is responsible for packing materials which he did not want to do he only paid for a box which was to late to purchase after I had gotten my own box to ship the items off.i send the items it's free but nothing more is free so anything extra will cost. money I didn't have buyer is responsible for all that. A dispute was placed on me due to items he claims wasn't the original items when clearly the site I posted them on has pictures showing the items and the condition they were in .I was told to send pictures to prove that there was nothing wrong with the items when I sent them off did so and PayPal told me the pictures were pretty much not going to help my case and that they were not going to go off that. But the buyer did the same and they refunded his money and all mines as well. The XXXX I had in my account PayPal took it for no reason .and now they say I still owe them {$36.00} and some change.i had to pay for the dispute fee when i was not the one who filed the dispute in the first place. I was told that only the dispute fee would be taken out {$15.00} for one and {$21.00} for the other. PayPal took all my {$160.00} and some .I was never told anything else about extra fee 's. I read threw some of the agreement and found nothing that states any extra fee 's being paid. I feel it's unfair that someone can get there money back and I get my items returned to me broken and now I can't do anything with them due to the Buyer 's Own fault. And now I have to pay.
Product: Money transfer, virtual currency, or money service

Cash app did things with my account with out approval. And scammed money. Locking down account.
Product: Checking or savings account

XXXX XXXX is when I called to see if I could open my acct because I found out that my acc has been closed & was charged off to collections I wasn't informed that my acc was closed or what sent me into over draft
Product: Credit reporting or other personal consumer reports

On XX/XX/year>24 I sent XXXX, Equifax, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.
Product: Debt collection

AR Resources has once again attempted to collect on a debt that I have previously disputed as not valid. I submitted a case through this portal on XXXX/XXXX/2016 which they declared to remove the collection and cease collection on XXXX/XXXX/2016 I received another collection letter from AR Resources collecting for the same debt and also stating this debt will be reported on my credit report. They need to cease collection and leave me alone.
Product: Credit card

XXXX XXXX, XXXX we requested a Balance Transfer with American Express to pay off our XXXX bill in the amount of {$7300.00} They instead sent the payment to XXXX XXXX and we DO NOT have a XXXX Penny card. We disputed it several times and in XXXX XXXX they did a Balance Transfer to XXXX as originally requested but they refuse to credit me back for the original {$7300.00} that went to XXXX XXXX. They are forcing me to pay the original transfer of {$7300.00} to XXXX XXXX and I do n't even own a XXXX XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO I CHECKED MY REPORT AND I SEEN AN AUTHORIZED CREDIT CHECK INQUIRES THAT XXXX AVE NOT GIVEN CONSENT TO. I AM DEMANDING THESE INQUIRES TO BE REMOVED WITHIN 4 DAYS AS THEY ARE FRADULENT. IM TRYING TO ESTABLISHED RELATIONSHIPS WITH BANKS BUT CONTINUE TO BE DECLINED BECAUSE OF THESE ITMES ON MY REPORT. I HAVE ATTTATCHED THE FRADULENT ITEMS TO MY LETTER AND NOTIFED THE FTC.
Product: Mortgage

On XX/XX/XXXX, I received my annual escrow analysis for my mortgage provider. The escrow analysis included an anticipated property tax payment in XX/XX/XXXX. However, the payment was about {$600.00} more than the taxes that were owed ( due to previous over-payments of taxes by my mortgage provider, my property 's tax account has a positive balance with the city ). 

At some point ( I do not have the exact date ), I requested a new escrow analysis from CrossCountry. As long as they looked on my city 's website, they could easily see the balance in the tax account and adjust their anticipated tax payments ( and therefore the required balance in my escrow account ). 

On XX/XX/XXXX, I received a new escrow analysis. That analysis complicated things further with more errors. Now, CrossCountry anticipates making a payment in XXXX of XXXX for my XXXX property taxes ( correctly seeing the existing credit in the account and paying about {$600.00} less than the actual annual tax rate ), plus another payment in XXXX of XXXX for the full amount of the property 's XXXX taxes. Essentially, a double payment of taxes, spread out over a few months. 

This mistake greatly increased my required escrow balance and therefore increased my mortgage payments, which should have declined were this new analysis done correctly. 

On XX/XX/XXXX, I called CrossCountry 's main customer service line, at which point I was informed that it would do no good to request a new escrow analysis at this time because the results would be the same. They referred me to contact a third-party sub-contractor who handles their tax payments and ( as far as I can tell ) does not have a phone number where anyone can speak with a live agent to express concerns or point out mistakes. 

Additionally, I reached out to the person who initially sold me a mortgage through CrossCountry. He appears to be trying to reach out to CrossCountry 's customer service team about this issue, but I have little hope. This issue is a result of prior property tax over-payments by CrossCountry and XXXX ( issues taking back to at least XXXX of XXXX ), which they clearly failed to resolve.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$110.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX Balance : {$23000.00} 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: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This is a bill collector for XXXX. 
I had contacted XXXX to make payment arrangements on my final bill of {$500.00} Dated XX/XX/21. 
Last day of service was XX/XX/21. I called XXXX to make payment arrangements they denied me to being able to do that. When I switched to XXXX they were supposed to pay up to {$500.00}. so I sent a check for {$25.00} to XXXX now I'm being hit by Amsher collections for over {$1000.00}. when I contacted them to make arrangements they also denied me the option. 
I'm still trying to find our from XXXX why it was not paid. 
keep in mind this is all in the midst of a pandemic. I'm not working I'm XXXX  & on XXXX XXXX XXXX. it wasn't til XX/XX/XXXXwhen I was XXXX XXXX
Product: Debt collection

This MCM Midland Credit Management called me several times per week for over a years time. I was afraid to answer the phone. I did make them one payment and arranged for a second payment. I called the MCM phone number I had from a previous debt I just paid off. They said my account was clear and I did not owe anything. So this MCM or supposed MCM from XXXX XXXX kept calling me and would sometimes offer me a settlement. I am suspicious if they are even real. This does not show up on my credit report. I still continue to get letters and they add to my " balance ''. Not to sure what to do with these people. Is this a scam?