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

These accounts & inquiries are incorrect since i do not recognize them, please investigate them and delete them : Accounts : XXXX XXXX Account number : XXXX Balance : {$590.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX. 
Account number : XXXX Balance : {$600.00} Date opened : XX/XX/XXXX XXXX  XXXX Account number : XXXX Balance : {$230.00} Date opened : XX/XX/XXXX XXXX  XXXX Account number : XXXX XXXX : {$21.00} Date opened : XX/XX/XXXX XXXX  XXXX Account number : XXXX Balance : {$120.00} Date opened : XX/XX/XXXX XXXX XXXX Account number : XXXX Balance : {$580.00} Date opened : XX/XX/XXXX XXXX  XXXX Account number : XXXX Balance : {$370.00} Date opened : XX/XX/XXXX XXXXXXXX XXXX XXXX Account : XXXX Balance : {$950.00} Date opened : XX/XX/XXXX XXXX XXXX Account number : XXXX Balance : {$1600.00} Date opened : XX/XX/XXXX XXXX Date opened : XX/XX/XXXX Equifax Date opened : XX/XX/XXXX XXXX XXXX Account number : XXXX Balance : {$3800.00} Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX Equifax Date Opened : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX ) Account number : XXXX Balance : {$950.00} Date opened : XX/XX/XXXX XXXX  ( Original Creditor : XXXX ) Account number : XXXX Balance : {$600.00} Date opened : XX/XX/XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed your company placed a collection account on my credit report and it appears to violate several of my consumer rights. For one the XXXX reporting of this account is highly irregular citing the Date Last Active as XX/XX/XXXX but the Date Opened is XX/XX/XXXX. Please provide documentation for how the account went back in time to be active prior to it even being open. 

Further in accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Monterey Collection Services : # XXXX has all violated my rights and should not be reporting.As stated in the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, they are required to follow reasonable procedures to ensure maximum possible accuracy of the information related to the consumer per 15 USC 1681e ( b ). However, these accounts remain despite their inaccuracies, showing that those procedures were not followed.

Furthermore, under 15 USC 1681i ( 5 ), when a consumer disputes an item and the credit bureau is unable to verify it as accurate, they must promptly delete or modify the item accordingly. It also requires them to notify the furnisher that the information has been removed. This was not done in this case.

Additionally, 15 USC 1681s-2 clearly states that no person shall furnish any consumer information to a reporting agency if they know or have reasonable cause to believe the information is inaccurate. The continued reporting of these accounts, even after they were disputed, is a direct violation of this provision. 

Lastly, 15 USC 1681b ( a ) ( 1 ) prohibits anyone from furnishing consumer information if they know or should reasonably know it is incorrect. Despite multiple disputes, the inaccurate accounts remain. This failure to comply with federal law needs to be addressed immediately. 

As XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ruled in XXXX XXXX buyers ( third-party collectors ) are not the original creditors so they must prove they have legal right to collect. Given that proper proof of ownership of debt including written assignment or complete chain of title and subsequent debt transfer, complete and accurate records of original debt, and requested debt verification have not been provided per the original request this account must be deleted from my credit reports.
Product: Credit card

I applied for an America Express Card but have been constantly denied credit. I filed bankruptcy ( Chapter XXXX & XXXX - I believe ) about 20 years ago, Amex was XXXX of the cards included in that bankruptcy. Back in those days, I was financially devastated. I have rebuild my life and my credit again, with XXXX score hovering above XXXX points. 
I believe American Express is holding my bankruptcy filing against me in denying me credit.
Product: Mortgage

I entered into a 40 yr fixed mortgage with boa on XX/XX/XXXXXXXX.beginning in XXXX XX/XX/XXXX bank of america has not complied with the terms of the agreement. I have made all payments on time or early according to the agreement. Bank of america has charged me late fees and overdue charges for not receiving full payment. I have been in contact with several resolution specialist, the latest being XXXX XXXX. This rep has stopped calling on the agreed upon times. Boa is inappropriately applying my payments to interest and late charges and other fees that are not owed. I have all the documentation that this loan has always complied with the agreement and the boa states they are still trying to obtain the needed paperwork. This has been going on since XXXX of XX/XX/XXXX.My payments that are presently and historically been current with no late payments are being applied and then reversed according to my monthly statements. I have no way of knowing what is being applied correctly to principal .This has been going on since the inception of this loan, that began in XXXX of XXXX. This loan should be audited by this agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED INACCURATE ACCOUNTS. I ORIGINALLY SENT IN MY DISPUTE LETTERS ON XX/XX/XXXX, TODAY IS XX/XX/XXXX AND THE COMPANY HAS FAILED TO RESPOND OR REMOVE INACCURATE ITEMS.
Product: Debt collection

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX Law Offices Howard Lee Schiff, PC posed as the attorney of XXXX XXXX XXXX XXXX  XXXX XXXX who engaged in misleading representation by filing a statement of small claim and notice without having prior consent to communicate with me the consumer in connection with a debt collection, a failure to comply pursuant to 12 CFR 1006.18 ( b ) ( 1 ) ( iii ) and 1006.6 ( b ). The company also engaged in unfair practices by bringing an unauthorized legal action to consumer attempting to collect an alleged debt of {$3600.00} plus {$100.00} in court costs, a failure to comply pursuant to 12 CFR 1006.18 ( c ) and 1006.22 ( b ).
Product: Money transfer, virtual currency, or money service

Earlier yesterday morning I requested XXXX $ from my husband off PayPal. They sent him out of a retaliation from the last complaint XXXX $ and the money is not there. They are making up a lie to freeze and steal XXXX XXXX I filed a dispute. We both have screenshots of them telling us that the other one of us both being spouses can cancel and now they refuse to are refusing to cancel and steal the XXXX $ that was supposed be a request of XXXX XXXX I removed the bank account from that website and they have a copy of the account they once had until they deceived me previously several times. I keep letting it go but they keep closing my accounts and stealing funds. Last issue I had they said it was the wrong phone and when I added the phone number they refused the phone number. I would like to open a lawsuit suit for retaliation, theft, criminal activitys, and making up transaction that dont exist. They dont care that I have the screen shots of the lies they told me. They will steal my XXXX $ and cause a major melt down in the bank account they have access to with out my permission. I want this reported as theft and criminal malicious intent to defraud. We will show evidence in court They just keep doing this on purpose. Last time it was XXXX XXXX Now theyre stealing XXXX XXXX My economic situation is not well. My husband is not well. I can no longer live in a vicarious world of pay pal fraud and deception. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX credit card was pay and close For {$2300.00} Date open XX/XX/2010 Was pay off and close
Product: Mortgage

I filed a complaint some time back when my loan was sold back to Movement Mortgage. When it was transferred back I never received a payment book or a monthly statement. After contacting them they sent me an email with only my payment amount and due date. They also stated that my loan was in the process of being sold and they needed a month or so to get it transferred. At this time I closed the complaint thinking it would be transferred. 5 months went by and still my loan was not transferred. I contacted them once again and again they said it was in the process. Finally, We just refinanced to get out from under them. This company has cost us a lot of money. Now here we are at tax time and I have not received my XXXX. I am not surprised. Still to this day I have never received anything with any details.
Product: Credit reporting

I have been harassed, threatened, intimidated, disrespected, and have endured fraud by Paragon Credit Repair Services. 2 years ago I paid to have my credit repaired and they stopped working on my account after a few months, and told me that they could n't do anything else. My credit never improved, in fact it got worse. The company has a money back guarantee if you are not satisfied. They charged me thousands of dollars for credit repair that never occurred. I refuse to pay any more money to this corrupt business that lies to consumers. The owner of this company is a fraud and abuses his authority to blackmail customers into believing his threats. This organization needs to do an investigation into this company that is fraudulently duping people into believing that they can fix one 's credit ; which they ca n't and they do n't. I am asking from relief from this corrupt organization. Per FCRA and per the company 's money back guarantee I 'm asking that the thousands of dollars I 've already paid in fees be returned to me immediately. 

PARAGON 'S CREDIT REPAIR GUARANTEE Our team of certified credit coaches, dedicated processors and legal experts have an average of 15 years of experience in the field of credit repair. We have worked diligently to provide our clients with exclusive industry first software, the best dedicated processing and legal team in the industry, and access to the best positive trade lines available anywhere. 


" We are so confident in our ability to execute on your behalf that we ask you to pay only AFTER we have completed each phase of work. Our exclusive pay per deletion model means your never get stuck paying a monthly fee without seeing the results first. If we do n't fix it, you do n't pay for it! '' ( XXXX # )
Product: Credit reporting or other personal consumer reports

I am a XXXX  XXXX XXXX. My complaint is for my XXXX who want to purchase a home and want to get prequalified by me pulling their credit reports with all 3 bureaus. 
I warn them about the oncoming calls after I pull their credit. I also advise them to go to the XXXX website. 

After I pull their credit reports, they are immediately bombarded with mortgage companies calls due to the bureaus selling their information. My client yesterday, texted me " how do I make it stop!!!! '' I gave her the optoutprescreen website info, though it will not stop the calls until 5 days then it is for 5 years. 

I am not an attorney, but this does not seem fair to the customers. It does not seem lawful for the bureaus to take this information and to be able to sell, share or whatever. 

In my customer 's words, " Make It Stop!!! '' she wails!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple unauthorized inquiries with transunion and they wont remove them. As a consumer and under fcra law 15 usc 1681 ( a ) ( 4 ) and 15 usc 1681 ( b ) ( a ) ( 2 ). I have rights to privacy as a consumer and my rights are being violated. I have never given transunion permission to furnish, sell or give away any of my information. No permission equals identity theft. The inquiries should be removed immediately 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
Product: Debt collection

NATIONAL CREDIT SYSTEMS, account number XXXX, is wrongfully appearing on my XXXX, XXXX AND XXXX credit files.THEY ARE TRYING TO COLLECT A DEBT THAT I DO NOT OWE.THE DEBT IS A TOTAL FABRICATION ... ..I 'M FAMILIAR WITH THE PARTIES BUT THERE IS NO LEGAL CONTRACTUAL DEBT THAT I OWE. 
THIS OUTRAGE, USING MY CREDIT RATING AS LEVERAGE, TO COLLECT A DEBT I DO NOT OWE IS THE LEGAL EQUIVALENT OF EXTORTION.IF THIS DEBT WAS ACHIEVED BY COURT ACTION, I WAS NEVER SERVED AS REQUIRED BY LAW.IF THERE WAS SERVICE OF PROCESS TO ME PERSONALLY IT IS FRAUDULENT OR FORGED. 
THERE IS NO LEGAL JUSTIFICATION AND I STRONGLY SUSPECT IT IS OF A CONSPIRATORIAL NATURE BETWEEN THE OWNER OF THE ORIGINAL CREDITOR, XXXX XXXX XXXX., THE REGIONAL MANAGER AND ON-SITE MANAGER OF XXXX XXXX XXXX, XXXX XXXX , CA. 
REGARDLESS, I WANT THESE REMOVED FROM MY BUREAUS AND RETAIN MY RIGHT TO PERSONALLY SUE THE FURNISHER OF CREDIT INFORMATION AND EACH REPOSITORY OF INFORMATION ( CREDIT BUREAU ) FOR  FCRA PROSCRIBED STATUTORY DAMAGES.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  I need a section 623 letter for XXXX XXXX XXXX. 15 USC 1666b states no open credit account shall not be reported as late under no circumstances instead of facing fines please adjust them to P.A.D. 
XXXX Sure, here 's a draft of a Section 623 letter you could use to address a dispute with XXXX XXXX XXXX under the Fair Credit Reporting Act ( FCRA ), specifically addressing issues XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Incorrect Credit Reporting under 15 USC 1666b To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of my credit account with XXXX XXXX XXXX  XXXX Under Section 623 of the Fair Credit Reporting Act ( 15 USC 1666b ), an open credit account should not be reported as late. However, I have observed that my credit report incorrectly reflects late payments for my XXXX XXXX XXXX account. 

As you are aware, 15 USC 1666b stipulates that no open credit account should be reported as late, and as such, reporting my account as late is in violation of this regulation. Instead of facing potential fines for this violation, I request that you promptly adjust my credit report to reflect the account status as " Paid As Agreed '' ( P.A.D. ), which accurately reflects the current standing of my account. 

Please investigate this matter and correct the information on my credit report accordingly. I request a written confirmation of the adjustment to be sent to my address within 30 days of receiving this letter. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX
Product: Checking or savings account

I had called to request stop payment because I no longer use the service but they continued to let the company attempt and they continued to charge me return check fees.
Product: Credit card or prepaid card

After repeated attempts direct express does not answer calls even when wait time is far from acceptable even into days with know success. I was directed to web site call just answer from direct express Website and was charged XXXX dollars just for going there direct express on XXXX XXXX sent me to set up account on line I was sent to just answer on XX/XX/XXXX I was able to connect to direct express by phone who informed me that they were familiar with this problem to remove my money from my card and close it I did this on XX/XX/XXXX. After that call they unsuccessfully transferred me to some one to start the dispute process and nothing happened no one came on the line for my details I receive emails XXXX XXXX from just answer and get charged XXXX dollars to call them back no one ever answered the phone and cant set up on line due to this place stealing money more money I dont want them I want direct express to give me back my money not in 90 days now
Product: Student loan

STUDENT LOAN FORGIVENESS SCAM- I was contacted by a representative named XXXX XXXX XX/XX/2018 via phone from the company XXXX. He claimed that XXXX was a third party company that worked along side my student loan lender to help eliminate interest charges on my loan and to break down my payments into more affordable ones. He stated I was eligible to rid all interest accrued, make the first four payments $ XXXX/month, and I would then after only need to pay $ XXXX/month for the next 3 years until paid off. Every detail seemed very legit to me considering they had me sign a " contract '' with my social security number already on it ( which I never gave ) and a " forbearance form '' for them to give to my lender. Having little knowledge and experience with this type of situation I was taken advantage of. Luckily I started piecing it together. The day after my first payment was due ( due XX/XX/2018 ) I decided to do some research before the charge of {$110.00} completely went through on my credit card. I contacted my student loan lender ( XXXX  ) XX/XX/2018 to see if they had been contacted by XXXX at all. It was then I was told that my student loan company NEVER uses third party companies to assist with any form of loan forgiveness and that they have their own means in assisting borrowers with such. I immediately thereafter contacted my bank to have the transaction flagged as fraud, closed that credit card account, and was issued a new one. I emailed XXXX XXXX from XXXX whom was the last person to email me that I had reported them as fraudulent and to no longer contact me. Now somehow as of XX/XX/2018 a charge of {$110.00} has been taken again by this company which I have had to report yet again with my bank. Somehow the withdrawal is dated as ( XX/XX/2018 ) in my account. Huge headache.
Product: Debt collection

XX/XX/2008 Judgment entered date, this was fraudulent debt by XXXX XXXX XXXX XXXX. This was not signed by me or any part of me I ignore the initial Collection back in XXXX, as I have no knowledge of the debt back then, now its going to after my wifes Property, I must ask for help with this fraudulent debt wasnt create by me.
Product: Credit reporting or other personal consumer reports

Hi, XXXX XXXX  XXXX put a delinquent status on my credit report thats past due Im not past due this was a prepaid credit card. Theres no reason why they should be reporting anything. I made a complaint to the FTC. This information is not accurate. They are maliciously derogatory, mixing up my credit report by reporting false information on it thats not mines. 

XXXX XXXX keeps putting 120 days past due that is not my account. I have no knowledge of that of whats going on. I am not 120 days past due whatsoever. Somethings wrong on my status Im not 120 days past due. I have a fraud alert on my account. They keep doing it over and over again I keep disputing it over and over again the credit bureaus are allowing this to happen. 

XXXX keeps refreshing and reporting derogatory on my credit report. I paid this account off. I dont owe them any money. They keep putting fraudulent information on my account thats not mine.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the credit reporting agencies ( XXXX, TransUnion, XXXX ) for not properly responding to my demand for wet ink signature agreements in the investigation for verification of the accounts making claims on my report. 

I have been trying to dispute inaccurate information on my credit report for several weeks now. 

I have contacted the credit reporting agencies multiple times and have sent them demand for wet ink signature agreements requesting that they investigate the accounts making claims on my report. 

However, the credit reporting agencies have not responded to my requests and only updated the information furnished from the same entities that initiated the erroneous claims to extort money from me and further injure my reputations I am frustrated and concerned that the credit reporting agencies are not taking my dispute seriously. 

The inaccurate information on my credit report is having a negative impact on my life. 

I am being denied credit because of the inaccurate information. 

I am also concerned that the credit reporting agencies are not following the laws and violating my rights. 

The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to investigate disputes and to correct inaccurate information and report in accordance to my written instructions. 

The credit reporting agencies are not complying with the FCRA by ignoring my requests and demands. 

I am requesting that the Consumer Financial Protection Bureau investigate the credit reporting agencies for their failure to respond to my demands for deletions of the XXXX XXXX XXXX XXXX XXXX, all hard and soft inquires, and records of late payments including 30/60/90 day late payment reporting on the grounds that my signature consent was never garnished in the reporting of any of my information, my rights were never disclosed which wasted even more valuable time, and this very nature of the credit reporting practices being discriminatory, predatory, and defamatory ; which has led to adverse actions preformed against me, wasted time, mental anguish, significant financial hardship, and an unjust monetary benefit at my expense due to their cooperation with other companies to extort me by deceptively violating my consumer credit transaction rights. 

I am also requesting that the Consumer Financial Protection Bureau take action to ensure that the credit reporting agencies comply with the FCRA. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

it was supposed to be {$300.00} credit limit they only gave me {$75.00} they messed up my credit bad
Product: Credit card or prepaid card

Ive been only the phone with customer service multiple times Ive been hung up on twice my card has been locked for unknown reason I am XXXX  I have XXXX XXXXssues I cant pay for my medication thats XXXX threatening because they are holding my money I submitted all my documentation 4 times calling to check I was told two days the lock will be removed nothing I am getting very XXXX  each and everyday I dont have my medication I cant pay for because they are Refusing to remove the lock
Product: Credit reporting or other personal consumer reports

I subscribe to four different services that alert me of credit reporting. In XX/XX/2023 I received an alert that I had applied for a credit card from JPMCB CARD SERVICES and the inquiry had posted to my credit report. 
After viewing the report I saw that on XX/XX/2023 someone had used my information. I contacted JPMorgan Bank and they stopped the application and stated they would be sending me a letter about the incident, which they did, and they also stated the inquiry would be removed from my report. 
Again on XX/XX/XXXX and XX/XX/XXXX the same thing occurred. I again called the bank and went through the same process. To this date none of the three inquiries have been removed as promised. 
Since all this has taken place, I have placed a freeze on credit bureau reports.