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

XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NYXXXX XXXX XXXX ) XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UTXXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEXXXX By mail only This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX Business Type : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX - XXXX ( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( in ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX : {$44000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$670.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$19000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; 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 XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account ending in XXXX, has violated my rights.

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 an account without my written instructions. 

XXXX XXXX  XXXX granted me a XXXX XX/XX/2021 after a XXXX national declared emergency. I submitted all of my paperwork for a mortgage adjustment and hired VA 's from the XXXX lost my information causing an invalid negative reporting on my credit report. I disputed through all XXXX credit bureaus demanding a reinvestigation and XXXX XXXX stated incorrect information. I submitted loads of documents to prove my case. XXXX removed it then added it back without explanation. This is illegal and fraudulent. Then XXXX XXXX  sold my loan to refrain from pursuing further.
Product: Credit reporting, credit repair services, or other personal consumer reports

Porfolio Recovery continues to report this account on my credit report which is n't my account. I 've sent my request on XXXX of XXXX for validation and never received it. They company says I owe over {$700.00} for a debt but they wont send me any proof. I tried contacting them in XXXX of XXXX and XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting an inaccurate payment history. TransUnion is showing payments that XXXX is not.
Product: Debt collection

I owed XXXX money and when I found out I paid them. I have not once even spoken to convergent outsourcing about this yet they say I owe them money and then update it to I dont owe them money. I have never signed one contract with them. I have sent 100s of validation letters and they never respond! My issue has always been settled with the original person yet they fraudulently report it. They really need to read and understand the laws surrounding this. They are an illegal company preaching illegal tactics
Product: Mortgage

InXX/XX/XXXXI was buying a home for the first time alone. I took out a loan for XXXX to purchase the home at 7.5 % interest and a renovation loan for XXXX to rehab the home at 9.5 % interest. The bank was HSBC Commercial Bank C/O XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NJ,XXXX XXXX XXXXXXXX Over the years I noticed that the Principal was barely going down, but attributed that to being told that most of the payment going to interest in the first few years, I did not know that ALL of the payments were going to interest until I got a letter stating that I had an Interest only loan and even though my interest rate would stay at 7.5 %, my payment would go up almost 350.00 inXX/XX/XXXX. I retired after XXXX over 25 years and my income was reduced dramatically and this new payment amounts to almost 1750.00 a month. Every year between XX/XX/XXXXI have tried to do a HARP refinance and once paid a lawyer XXXX to help me do a HARP. My answers have always been negative, even though I have never missed a payment. They in essence tell me my debt to credit ratio is too high and if they lower my payment they do n't think I will pay, even though I never missed the higher payments. It was suggested I miss a payment or short sell the house by employees sympathetic to my situation. Giving me " unofficial '' advice that would ruin my credit or at least put a real bad mark against me.I feel I can no longer afford this payment. I feel I was tricked into this type of mortgage product by HSBC and was turned down for a loan modification unjustly several times by HSBC. My home is worth only about 80,000.00 but I owe over 155,000.00. I am really desperate for some type of help. I feel trapped. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector XXXX not communicate with a consumer in connection with the collection of any debt. 


XXXX NAME : XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, FL XXXX INQUIRY : XXXX XX/XX/XXXXXXXX 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 XXXXXXXX EMPLOYER : XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXXXXXX XXXX XXXX  MI XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION NAME : XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  MI XXXX INQUIRY : XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, National Credit System, Account number XXXX, has violated my rights. 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.
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 3 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 XXXXXXXX Balanced {$15.00} XXXX XXXX XXXX XXXX XXXXXXXX Balanced {$9700.00} XXXX XXXX XXXX XXXX XXXXXXXX Balanced {$0.00} - XXXX XXXX XXXXXXXX Balanced {$0.00}
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

XXXX XXXX : A thief was able to pose as me and gain access to my credit bureau accounts. He changed my contact information and removed my credit freeze. He gained my credit report from all three agencies. At Equifax he charged my credit card on file to upgrade my account for more access. 

XX/XX/XXXX - today ( XX/XX/XXXX ) : I have called to change the contact information back and reinstate the freeze at all three credit agencies many times. And added a fraud alert multiple times. The thief continues to be able to remove the freeze and fraud alert. 

Equifax and XXXX have my account 'locked down ' during their investigation, meaning I can not access in real time who is making inquiries or check the status of the credit freeze and fraud alert. I do not get any notifications when they are removed. So effectively they have helped the criminal get away with stealing if he ends up being successful. ( For example, I called Saturday and the freeze and fraud alert was removed so I reinstated them. He removed them again Sunday, so I called this morning Monday and reinstated them ) The agents just keep putting it on my account but state there is nothing else they can do to prevent it from happening. 

The documentation I sent in will close my account and reopen with a new account number? But that information is not needed to lift the freeze and fraud alert so I'm not confident the action plan they have in place will prevent theft. And in the mean time there is nothing else being done to protect me or the banks/credit institutions. 

XXXX closed my online account after I changed my username and password but it didn't make a difference he continues to update my contact information and remove the freeze and fraud alert.
Product: Credit reporting or other personal consumer reports

XXXX {$1500.00} on XX/XX/year> Item was found to be inaccurate and was removed from XXXX XXXX but XXXX and Equifax refused removal
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months. After waiting for 180 days to withdraw my funds I was not authorized to withdraw still. But I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Mortgage

To Whom it may concern, I, XXXX XXXX, have been going through this lost mitigation process for about 3 years now. Unfortunately and unexpectedly I lost my employment in XX/XX/XXXX. I  contacted Freedom Mortgage immediately and started the process of a loss mitigation. It is now XX/XX/XXXX and I am still going around in the same circle with Freedom Mortgage. I have been sending documents every time they requested it. I finally got a non profit involved in XX/XX/XXXX with XXXX and even with XXXX no one can get Freedom Mortgage to do what they say they are going to do. They give us point of contact which I cant nor XXXX can get in contact with. In one letter its everything is good and in the next letter its your denied because of a form. The same form which is the XXXX Freedom Mortgage will say you have this amount of time to turn these documents in that your missing. I will email and XXXX will email but they still say the documents are missing. I am trying to get help in saving my home. I have been told and I feel Freedom Mortgage is violated this law and that law but XXXX or anybody can't do anything Freedom Mortgage. Because it is public record our home is coming up for foreclosure I get a lot of advertisement letters and calls from people even Freedom Mortgage has called as one of these advertisements saying they help when I say I am currently in the process with you guys in a loss mitigation they say oh well thank you for your time and good luck with that. I have put in a new application with Freedom Mortgage with tryin to use my VA and of course was denied. I don't know what or can help me to get Freedom to stop this. I am starting to feel like they are above the laws.I have in the past used certified mailed, faxes, and lastly emails. And the company still says that they didn't receive the information requested. I have been sending the same thing over and over for the past 3 years. Thank you in advance for your help in this pressing matter.
Product: Money transfer, virtual currency, or money service

Both my bank accounts linked to my cash app were frauded and all monies were stolen I tried working with both my bank and BLOCK, Inc. but never got the situation resolved. My banks said I need to take this matter to BLOCK , Inc . Whenever I started this process I never received any help causing XXXX of thousands of dollars in damages. Lost my house my car and caused me all types of mental issues including XXXX & XXXX
Product: Checking or savings account

I am perminently locked out of my Paypal account. I am Paypal customer since 2000. Now, Paypal refuses to remove old phone numbers from their system so that I can complete 2 factor authentication. I made my request. 
Paypal 's response was to lock my account. On their site they say 'follow directions in email. ' No email was recieved. 

Paypal is singling me out for bad treatment and denying me access to my funds. 

Paypal needs to operate in good faith and return access to my account. 

User ID : XXXX ( XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland Funding claimed that a credit card debt was mine, but neglected to provide documents to me proving that debt was mine, nothing with my signature, only documents showing statements and payments which I have never made Midland took me to court and I was set to be able to provide my documentation, when I arrived for my court date I was told the case was vacated and it was found in Midlands favor based on the documentation the judge received from Midland , I never received the documentation even after requesting it through the courts and paying a fee to file the request I also was not even able to state my case at all, never got to stand before the judge The court documents I received showed that the the court notice was sent  to Midland, but  the box for " defendant '' was not checked, I wasted my time away from work to go to a court case that never took place
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to remove inaccurate addresses from my account however Experian will not allow them to be removed nor will they receive my dispute letter. I demand that these addresses be removed from my credit report immediately.
Product: Money transfer, virtual currency, or money service

Hello, I tried to transfer XXXX XXXX dollars from my XXXX XXXX  account ( in XXXX XXXX XXXX to my online savings Discover account. This transfer happened on XX/XX/XXXX. Despite my transaction activity saying the transfer was successful, the transfer actually failed due to a error on Discover 's part. I was told this by Discover representatives. On XX/XX/XXXX, Discover attempts to reattempt the transfer and tries to transfer the XXXX again. Since there was already a transfer initiated XXXX XXXX, and the error was on XXXX 's part, XXXX XXXX  charges me with overdraft fees. On XX/XX/XXXX, a return ACH transfer is initiated by Discover, however a week later, neither bank has my XXXX. I've contacted both banks throughout the week and both redirect me to each other. I don't know how to proceed but would like help in order to get this solved as soon as possible. Thank you.
Product: Debt collection

Requesting for a year now that NCA XXXX National Credit Adjustors, remove an account that was paid and settled years back with the original debtor and have provided a letter of confirmation to this, that came directly from the original debtor XXXX  also dba XXXX  where I had finally reached out to them directly to get my documented proof. Still to no avail have they removed this account from my XXXX  Reporting agency and I was at my wits end feeling helpless till I saw your website. 
Please HELP get this account removed from the XXXX reporting bureau agency as they as well are not reading the attached documents, nothing but frustration, I have that this remains and seriously affects my life! Dates that I have on file so far where proof of settlement and fileclosed are for just this year alone is the following : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, then gave up till XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XXXX XXXX. 

Look forward to hearing from someone as soon as possible and thank you kindly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX graduate of XXXX  I borrowed {$17000.00} for XXXX degree. XXXX I entered graduate school and borrowed {$4000.00}. Totaling {$22000.00} for both. In XXXX I paying XXXX per month for both loans until XXXX. 

XXXX I called XXXX XXXX and requested lower payment because I purchased my home and could not afford student and mortgage payment. They obliged me without a problem. However, all the previous payment never reflect my account. I was told after 10 years of paying XXXX my loan would be paid in full. 

XXXX none of my payment were applied to the principle. As a young adult, I was unaware that I was starting over as if I never paid a dime. XXXX I paid religiously. Needless to say I defaulted on my loans Today Im paying XXXX for XXXX for half of my loan but the other half still remain with XXXX ; I requested my entire account be transferred so I could begin making payments .However,  XXXX has never release my loan payment to XXXX XXXX Instead, I have two accounts under one consolidation. Therefore all the reporting is inaccurate. 
Currently I am in repayment of my loan. However XXXX is still sending me threatening letters. How do end the XXXX Nightmare.
Product: Debt collection

The company has failed to validated information to collect a debt. Request the company to remove the debt from all three credit report.
Product: Credit reporting or other personal consumer reports

US Bank DS West gave me a letter stating they would remove unauthorized inquiry. They have not removed it. XXXX has not removed it. It needs to be removed!
Product: Vehicle loan or lease

I recently turned in a lease thru US Bank. I paid the lease off early and was almost 3000 miles under the lease agreement. About a month after I turned in the lease a received a bill from US bank for {$930.00} for wear and tear and a contract termination fee ( {$390.00} ). The letter said I could call them to dispute any of the charges. Included in those charges was {$35.00} to replace oil, which was changed as scheduled at the dealership us bank does business with. {$200.00} for scratches in the truck bed, it's a truck and this is not covered in the lease agreement. US bank called me before the bill was due for payment on XX/XX/XXXX asking for payment. I attempted to dispute the charges of the oil change and truck bed scratches and was told it was non negotiable, which is very deceptive since letter says to call them to dispute. I asked to pay {$700.00} and wanted to dispute the rest of the charges. The rep told me the vehicle was already sold and that nothing could be disputed.