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

On XX/XX/2021 my mortgage was paid in full satisfaction of the debt. I sold the home and XXXX XXXX was paid. I have two letters stating such. My credit report states the mortgage was in my Chapter XXXX bankruptcy ; however, as stated above, the mortgage was satisfied completely. I disputed the credit report with Experian and XXXX. They investigated, I submitted the letters from XXXX XXXX stating the mortgage had been paid in full, and the result was no change in reporting that the mortgage was included in Chapter XXXX bankruptcy.
Product: Credit reporting or other personal consumer reports

XXXX ignored my request They have never verified the information I have a code of violation that I have send ftc report for identity theft on over 12 violation XXXX has on my report Experian insist the account were verified but not notifying what and who validated the information I believe several infraction have been violated Following violation : 15usc 6802 15usc1681c-2 18usc10284 15usc1682g 15usc1681i 15usc1681b 15usc1681s-2. 15usc1681c2 15-1692g 15usc1692-1692p 15usc1692e Fcra sections : 609. 611. 623 Violation of law part 611 a 1 604 a 3 Violation 605 c. Violation 623 part ( a ) ( 5 ) ( B ) ( ii ) Bankruptcy 15usc1681a2b Hard inquires 18usc1028A 15usc1601 change off accounts 31usc sec 3123 all debts are United States obligations
Product: Debt collection

On XX/XX/XXXX I received a call from a so called " XXXX ''. They way the called and harassed me was inexcusable and beyond my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Im filing a formal complaint against JPMCB CARD SERVICES due to their ongoing reporting of incorrect information on my credit report. Despite multiple disputes concerning these accounts ( Account Numbers : XXXX and XXXX ), they have not taken steps to correct or remove the inaccuracies. This false reporting is having a significant impact on my credit score, giving potential future lenders a misleading impression of my creditworthiness. Ive reached out to both JPMCB and the credit bureaus repeatedly about these errors, yet no solution has been provided.
Product: Payday loan, title loan, or personal loan

This is the third time I have attempted to make a complaint about Advance Financial in  regard to an installment loan account that was fraudulently accessed by an unknown third party and for which several payments within one day were initiated through my debit card. I reported the fraudulent and unauthorized transacations immediately to my banking institution as well as Advance Financial. Advance Financial has escalated my account to a third party debt collector ( which I have notified is not a valid debt ) and somehow assessed my account a balance that does not make sense nor is valid. I have reported the fraudulent use of my account to the FBI XXXX for which I have a copy of the compaint file ). Advance Financial has refused to acknowledge the fraud and stated there was a valid EFT authorization on file at the time of the fraudulent transactions.

I unequivocally and unilaterally revoked all EFT authorizations on XX/XX/2018. The fraudulent and unauthorized transactions occurred on XX/XX/2018. THREE separate transactions occurred. First - they were unauthorized. Second - because Advance Financial allowed them despite NOT have an EFT authorization they are in DIRECT violation of the EFTA ( Electronic Funds Transfer Act ). Third- by authorizing THREE separate transactions that were not agreed upon in the initial contract AND NOT notifiying 10 days prior to those transactions ADVANCE FINANCIAL is again in direct violation of the EFTA .

Advance Financial continues to respond to my complaints by stating there was no evidence of fraudulent use of my account [ when in fact I made them aware AT THE TIME OF THE INCIDENT that it was not authorized ]. They also continually state there was a valid EFT authorization in place when I revoked IN WRITING my authorization TWO MONTHS prior to the fraud. AGAIN - this has been reported to the FBI ( as this falls outside of any state jurisdiction ), I have made Advance Financial aware and the debt collector aware of the fraud, my bank was made aware within 24 hours of the unauthorized transactions so I followed the letter of the law. I am AGAIN attaching my emails revoking my EFT Authorization along with emails showing the unauthorized transactions. Advance Financial is in DIRECT VIOLATION of the EFTA. This debt reported is NOT VALID.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I disputed a collection account with Experian on XXXX and they said it was verified on XX/XX/year>. I asked Experian to provide how it was verified and They wouldnt provide that information to me. 

Collection on my Credit Report is XXXX XXXX XXXX.
Product: Mortgage

In XXXX, XXXX I applied for Mortgage assistance to Bank Of America, which WAS my primary mortgage holder. ( Bank of America Loan # XXXX ) We have been working with XXXX XXXX since XXXX XXXX, trying to get assistance for a predatory HELOC loan with a fixed balloon payment that came due in XXXX XXXX. 
My husband and I have faced financial hardships due to the downturn in the economy and subsequent bankruptcy. We are self-employed but have not missed payments on our mortgages. 
XXXX XXXX keeps denying us any assistance telling us we can not prove affordability and told us that if we could modify our primary mortgage under a HAMP program, they would consider giving us assistance on our second mortgage. 
We have applied XXXX times with XXXX XXXX, only to be denied. Our last submission was in XXXX XXXX, XXXX. 
We contacted Bank of America for assistance and was assigned a Home Loan Team Specialist, XXXX XXXX XXXX who guided me through the application process. 
On XXXX XXXX, XXXX, we submitted a Request for Mortgage Assistance, with follow up documentation as requested in early XXXX, XXXX. 
Then, without any response to our application, Bank of America SOLD my loan. I was sent a letter dated XXXX XXXX, XXXX notifying me the servicing of the loan would be transferred to XXXX XXXX XXXX XXXX. On XXXX XXXX, XXXX the loan was transferred. 
I was not able to get any further assistance form BofA and was not able to get through to my assigned representative. 
I was told that XXXX was aware of my application for assistance and advised that I could speak with them about mortgage assistance. I followed up in conversation with XXXX, but was met with unfriendly, unwelcoming advice. 
We had applied XXXX times with XXXX XXXX, only to be denied. Our last submission was in XXXX XXXX, XXXX. My present Home Preservation Specialist called me on XXXX/XXXX/XXXX to say I was denied again, and I am waiting a letter with their determination. The rep told me that they can not help me under any government program because it has to start with my primary mortgage ... so I restated to them what happened with BofA when I applied for assistance, and they sold my loan.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently checked my credit report with XXXX, XXXX, and XXXX, and in my amazement, I found an account that I did not open. I am a victim of identity theft and Macy 's / DSNB account ( acc no : XXXX ) is a fraudulent account. I submitted the FTC Identity Theft Report to the credit reporting agencies and they deleted the fraudulent account. But XXXX reinserted the fraudulent Macy's/DSNB account back to my credit report without sending me any note or letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collections account for {$820.00} with XXXX XXXX XXXX, at the beginning of XXXX, 2018. I was notified that the account had been removed, due to the fact that I do not have a contract to pay this company. Immediately after being notified that the debt had been removed, I was notified that the account had been added back to my credit report. I have no contract to pay with this company, and they need to remove this from my credit report.
Product: Credit card or prepaid card

I am writing today in regards to my account with Discover Bank Account # XXXX which is reporting a late in XX/XX/2020. I would like to inform you that at the time of the payment I was impacted by Covid as soon as I was able I did get that account paid and current.
Product: Credit reporting or other personal consumer reports

I called the credit reporting agencies letting them know the inquiries and accounts are unauthorized/ not supposed to be visible on my consumer report. Never gave them permission or consent to report these unauthorized accounts. This is Aggravated Identity Theft XXXX XXXX XXXX XXXX
Product: Mortgage

Hello This is a complain against LoanCare / ( XXXX ) XXXX / XXXX XXXX XXXX, XXXX XXXX, VA XXXX. 

Before I explain, please look at their XXXX review : https : XXXXXXXX XXXX I have had several issues with this company. But this complaint is about me trying to get my pay off amount. I called, emailed, and used their website to get a pay off amount in the last 3 months. This company is purposely ignoring my request so I am forced to pay more interest. Please help.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX Balance : {$6500.00} ; XXXX  XXXX Balance : {$4400.00} ; XXXX  XXXX Balance : {$6300.00} ; XXXX XXXX Balance : {$6300.00} ; XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I had an extended fraud alert on my credit report with all three bureaus. I was able to successfully remove from XXXX  online and XXXX via phone. I had to submit a bunch of supplemental documentation for experian but they eventually removed it from their report as well. A few days after the removal, XXXX  initated and placed another extended fraud alert on my credit report. This prompted the other XXXX bureaus to readd the fraud alert onto my credit report. I went through the same process again and removed all three. A few days later, another fraud alert was initiated on all three reports without my consent or any documentation requesting it be added on my behalf. Frustrated, I called experian who informed me that they were able to see that XXXX was the bureau that reinitated the fraud alert. The experian representative provided me with the confirmation code that XXXX provided to them when they initiated the fraud alert ( XXXX ). XXXX keeps initiating fraud alerts on my credit report AFTER Ive submitted requests and have the fraud alert removed from my credit report. They initiate the extended fraud alert without my consent and without me submitting additional documentation to them. I can not get and keep the fraud alerts removed d/t XXXX reinstating XXXX them.
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 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 XXXXXXXX 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: Credit card or prepaid card

I received a fake text from Phone number -> XXXX ( XXXX ) XXXX Thank you! for choosing PayPal_Inc Your payment for {$540.00} successfully confirmed. ( XXXX ID : # XXXX ) To cancel or Report- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX,, XXXX XXXX Account XXXX XXXX, XXXX XXXX  XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX  XXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Ref XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, XXXX Account XXXX XXXX, 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.
Product: Credit reporting or other personal consumer reports

I received a letter from XXXX XXXX after applying for a credit card that stated they couldn't verify my identify. After going to XXXX XXXX in person and producing my Texas Drivers license and my XXXX XXXX XXXX XXXX to a certified banker he stated there was different personal information on the credit report with Experian. I immediately returned home and received a free copy of my credit report from Experian. After reviewing my credit report I found several items had been changed from my previous credit reports with Experian. ( Address, Phone Number, Social Security Number ) Experian is located in State of Texas where they have shown harassment and discrimination of XXXXXX/XX/XXXXAmericans causing them credit issues. This needs to be address immediately. If you check under the screen name XXXX you will see I have had previous issues with Experian. Also I have saved my credit reports and it shows my information being correct and now I have a wrong social security number at 64 years of age. THIS NEEDS TO BE INVESTIGATRED BY THE GOVRNMENT TO STOP THISXX/XX/XXXX IN XXXX TEXAS.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX NUMBER : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

I request that the following actions be taken immediately : Investigation of the mentioned violations.

Removal of the unauthorized accounts from my credit report.

Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ) Notification of the correction to any person who has received my credit report the past sixmonthsI expect a written response within the next 30 days. If this situation is adequately resolved, I Will consider taking the necessary legal actions to protect my rights.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that i see this negative, unauthorized fraudulent account on my credit report. This is really damaging my credit worthiness. I am trying to start a business for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months age so I figured you all would protect my consumer report. I do not feel my information is being protected. This is defamation to my character and is a federal law violation. According to 15 U.S.C, 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I AM upset!! I AM depending on the banking system and credit reporting agencies to promote my privacy and fairness and they haven't. This is not right, going against my federal consumer rights, causing emotional and mental stress. Also, it is illegal, neglect, and fraud for companies and should not be furnishers of people 's information to 3rd parties. I have reported this to the proper legal departments. Including FTC. This is negatively affecting my livelihood and putting me in a bad space. These companies and credit bureaus can be sued. I feel your database is inaccurate and I am thinking about filing ligation, if negative items are not removed IMMEDIATELY. I am suffering.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry that has been placed on my credit report on XX/XX/2019 by Comenity Bank from COMENITY BANK/XXXX. I disputed this inquiry with the credit bureau ( XXXX ) asking them to verify the inquiry because I did not authorize the company or anyone to submit any application and if COMENITY BANK claims that I agreed for them to pull my credit then I want to see the original documentation with my signature for this inquiry, because the FCRA states the company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that COMENITY BANK verified or validated this inquiry when in fact I never authorize the bank to submit any applications for credit. What I received from the credit bureau is not enough to validate this inquiry. This application was submitted fraudulently.
Product: Credit reporting or other personal consumer reports

Please review this complaint thoroughly, as it has been submitted intentionally and is of critical importance. My credit report appears to contain mixed or inaccurate information, including accounts, transactions, and items that I do not recognize or belong to me. This ongoing issue is deeply troubling, causing unnecessary stress and XXXX.