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

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the DPT ED/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 14 and 15 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my consumer report, and I have noticed multiple debts added onto my account without my knowledge. In pursuant to 15usc1681 ( 4 ) Experian must exercise their grave responsibilities with fairness, impartiality, and respect for my privacy. In the end of XXXX, Experian added XXXX accounts with the name DEPT OF EDUCATION/XXXX with a balance of {$26000.00}. This is a violation of the fair credit reporting act and violation of congressional findings. This is a violation of my privacy, and I did not consent for the XXXX accounts to be reported into my consumer report. This is impartial because Experian does not see me as a consumer, they see me as a product where other 3rd party corporations and themselves can profit from my account and name. Experian has no respect for fairness. This is limtiing my opportunity to use my credit for other services. In pursuant to 15usc1681 ( 1 ) unfair credit reporting undermines my confidence in the banking system since the banking system dependent on fairness and transparency which lessons the functioning of the banking system. I have named 2 violations from the fair credit reporting of the congressional findings and there are many more. I demand the XXXX accounts to be removed from my consumer report.
Product: Mortgage

In XX/XX/XXXX, I called our mortgage company ( Mr. Cooper ) to inquire about removing PMI from our home, which we purchased in XX/XX/2017 for XXXX, with a loan amount of XXXX. I was advised we would need to appraise for XXXX ( have 80 % equity ) to have it removed. 

On XX/XX/XXXX, I called to inquire again, and was told again about the 80 % requirement, and that XXXX would be needed. I asked to proceed. On XX/XX/XXXX an appraiser came out and appraised the home for XXXX. 

On XX/XX/XXXX, I received a letter that PMI could not be removed. I called and was told because they received the appraisal after XX/XX/XXXX that we have now owned our home for over two years and a 75 % requirement is now in place rather than 80 %. The rep said she would resubmit it for review because the appraisal was done prior to the two year mark so felt this was an error and would call me back. 

On XX/XX/XXXX, still no call back. I called there and was told that they would agree to the 80 %, but now the home needs to show substantial improvements in order to remove PMI. They will submit to management to see if they might be willing to refund the {$750.00} appraisal though, and will call is back by Friday. 

We are very upset and would like resolution to have the original requirement of 20 % equity for PMI removal upheld.
Product: Debt collection

I 've been getting repeated attempts to contact me on my business line ( from an automated dialer ). I 've called back twice, once I left a message and a second time I talked to a live person that verified the debt is not mine. Still they contact my number looking for someone I do n't know. The calls started on XXXX and have gotten a call on these days since : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I spoke to them on XXXX and it has n't stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received Dispute Results from Experian showing that a XXXX XXXX XXXX account was deleted from my credit profile. 24 hours later on XX/XX/2022, I noticed that the account had re-appeared on my credit report without any explanation from the credit bureau as to if they had received any proof of documentation from the creditor that would legally be a reason to add this account back onto my report. 

I placed a fraud alert on my credit report, and I notified Experian that the account was not mine. I wrote Experian and mailed them a copy of the Dispute Report they sent me where it shows the account was deleted and I asked them to provide proof of account verification to me. The report number they removed the account can be provided at request of CFPB. 

I also called the Experian Dispute line today XX/XX/2022 and I informed the representative XXXX whom took my call, that this account doesn't belong to me, and that I have the report number that shows where Experian claims to have done an investigation and had removed the account, and that it re-appeared a mere 24 hours later with no explanation. 

I also informed the representative that I wanted to file another dispute. His response was that I could not dispute the account with Experian, I have to talk to the creditor, I told him that I have made an attempt to ask both Experian and the creditor to provide me all evidence both parties have been exchanging during the disputes I filed and I have not received anything. I have been disputing this account since XXXX XXXX. 

My rights are being violated and my requests for proof of account verification are being ignored, even after informing the bureau that the account doesn't belong to me and I placed a fraud alert on my profile, and that did not make a difference in inclining Experian to respond to my requests, again I alerted them about this account in XX/XX/2022 and have been trying to dispute it to the present day.
Product: Debt collection

Mid Atlantic Consumer Services LLC XXXX, NY XXXX phone XXXX has repeatedly harassed me and my family regarding a bad check that I did not write. They will not stop calling me and I have repeatedly advised them to stop. They have threatened me repeatedly and I have filed a complaint with the XXXX XXXX XXXX as well.
Product: Debt collection

XX/XX/XXXX I made an agreement with XXXX XXXX XXXX to settle a lawsuit from a credit card debt. At that time the amount to be paid was {$5800.00}. The agreement was for XXXX to take {$100.00} out of my bank acct on the XXXX of every month. XXXX said it was my only option because they did not accept checks being mailed in. Until XX/XX/XXXX they took {$100.00} from my acct. And then it stopped. I do n't know why it stopped even though a balance was still due. Nothing on my end changed the bank acct was the same ( I have had this account for almost 20 years ) and no contact was received from them, ( I have had the same phone number for 25 yrs and the same address for 17 ). Then on XXXX XXXX, XXXX I received a call at my office wanting to verify employment. When I asked what this was about I was told it was in regard to a judgment gotten against me by Midland Credit Management for violating the terms of the agreement. I was never notified about this, did n't even know that a court date was set up nor did I ever receive a phone call or letter from Midland about this. When I mentioned that I did not violate the agreement that they had stopped taking the money, and that all my information was the same, the person said it was my responsibility to find out why they stopped. Again none of my info changed so why is this my responsibility? She they said I had to pay the full amount even though they had collected over {$2900.00}. It took me over 4 hours of arguing with them and lots of lies on there behalf. All of which they kept blaming me for their error. I was told that I should have sent them a check and when I said that I was told they did n't accept checks I was called a liar. Finally I was able to speak to someone who claimed to be an attorney and who blackmailed me into paying them {$500.00} to make it go away. When I ask for the lawsuit to be vacated I was told NO. This is not right, now my credit which I have been working very hard to fix is showing a Judgment against me, which is not my fault. Again I have had the same bank acct. Phone number and address all for over 17 years so they could have reached me at anytime. This is not right, I was basically black mailed into paying a debt which they failed to collect, not that I failed to pay. I hope you can assist me in taking action against this company which I am sure I am not the only person they have done this too.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I opened a Macys card unfortunately due to a divorce that card was charged off in XXXX I received a letter stating that the account would be removed from my credit report permanently ( which I misplaced ) however as of today XXXX XXXX I can still see that information on my credit reports .I would like the information to be validated that this is an old account that is past the statute of limitation and seeing that is delinquent or derogatory reporting to have it removed from my credit file permanently.
Product: Student loan

I have called XXXX XXXX everyday for the whole month of XXXX XXXX now XXXX and they say they have the information and they are fixing but the fail to fix it they are lying I want these loans gone they are nothing but liars and trying to steal money my loans should still be in there grace period and they refuse to fix it
Product: Credit card or prepaid card

wells fargo bank   where i bank resuses to aprove my crdit card application    for no reason what soever and continue to deny my application for credit card and need help  with this issue thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing I was 90 days past due in XXXX through XXXX of XXXX. My account was in the process of renewal of forbearance application. At that point it was in the hands of the financial department in which I was either constantly trying to contact the, ever changing, financial officer assigned to my account or being transferred multiple times to different departments and employees. I have never had to make a payment because of my forbearance status, therefore, have never been past due or late with any payments. 
I have disputed this issued multiple times through XXXX, XXXX XXXX, and all the Credit Bureau 's and the information has never been updated or changed to reflect the correct information.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : CXXXX XXXXAccount Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> According to 15 USC 1681i ( 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 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 ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FDCPA, I am a consumer as defined under 15 USC 1692a ( 3 ) The term " consumer '' means any natural person obligated or allegedly obligated to pay any debt. Im allegedly obligated, not obligated. You can be either and since the law states The United States is obligated to pay debt, not a consumer according to uniform code 18 usc 8 company is being intentionally negligent by furnishing such information to my consumer report! Company is reporting inaccurate information.
Product: Credit card or prepaid card

I have had the credit card with Chase bank since 2016. I pay {$550.00} a year for the annual fee for this card. I pay this fee because the card comes with benefits and features. One of the features on the card is allowing for my authorized user to transfer miles and points to their account. I have had my authorized user on my account since 2016. I also pay an additional {$75.00} per year for my authorized users card. Two years ago, Chase bank had an IT technical error which prevented me from transferring miles to my authorized user. When I needed to transfer miles to him, because of this error I could not, and therefore I could not use my points- this caused me to lose over {$1000.00} having to buy a ticket for cash instead of using my reward which I earned- which had to be booked from my authorized users account. I reached out to Chase and after hours of requests, it took them nearly two months to resolve this problem. Because I could not use this benefit, I asked them to refund a portion of me fee, since per terms & conditions, I pay the fee to use this feature - CHase refused. I felt this was unfair since they failed to provide a service for which I paid, but I let it go. 

Today I have the same problem with a different transfer partner. I reached out to Chase on XX/XX/XXXX and filed a case over the phone and was advised that within XXXX business days I will receive a resolution. No one had followed up. I reached out via my card portals messenger 4-5 times since XX/XX/XXXX, and the responses have been generic, not addressing the problem, absolutely incorrect, as if the responders are not reading about my problem and have no interest to fix it. 

I have asked the team to provide a partial credit to my fee or bonus points because I am currently paying for a product which is not available to me due to Chase 's technical problem which has no one assigned to the case, no anyone at the bank who even takes a minute to understand the problem, let along solve it. 

I need this resolved, but I also need them to provide a partial credit to my fees, since I am not able to use the transfer service for my authorized user. I keep this card and pay a total of {$620.00} annual fee for this card mainly so I can use this transfer feature, but unfortunately Chase 's technical incompetency are preventing me from utilizing it. 

Please help force Chase to assign someone who can help fix this and also ask them to prorate my fee because the service hasn't been available to me for about two months now that I am aware of, but in actuality it hasn't been available to me for the past two years ( since they only fixed one partner out of the 12-14 partners they have ). 

This is beyond frustrating that Chase is not providing service for which they charge me as part of their terms & conditions, and also that they don't have adequate customer service to resolve this. 

Chase bank needs to fix this technical error for all their Airlines and Hotel partners for my account, not just the one at hand.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion According to Cushman v Transunion 1997, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws ; 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. Delete PUBLIC RECORD ACCOUNT.
Product: Debt collection

RS Clark is reporting on a that debt I do not owe. This debt is really old and past statute in TX. I do not owe this debt and it needs to be removed off of my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION LLC, after receiving a Notice of Identity Theft and Unauthorized use of Identifying Information issued by the consumer, has declined to block the identified information within the allotted time of FOUR ( 4 ) DAYS after receiving notice as required by Federal Law in accordance with the Fair Credit Reporting Act section [ 15 USC 1681c-2 ]. 


TRANSUNION LLC, allegedly conducted an investigation and concluded that all disputed information identified by the consumer resulting from identity theft was Verified as Accurate. Accurate verification of a consumers personal identifying information, which includes the Social Security Number ( SSN ), must be verified by the Social Security Administration using Form SSA-89. 


TRANSUNION LLC, was never provided a completed Form SSA-89 authorizing the Social Security Administration to release and provide verification of the associated Social Security Number ( SSN ) and identifying information on the consumers credit profile, and has therefore failed to assure maximum possible accuracy of credit reporting in conducting its alleged reinvestigation. 


TRANSUNION LLC, has failed to provide any specific cause of action or allege any material facts used to reasonably determine their authority to decline the blocking of the information disputed by the consumer in accordance with the Fair Credit Reporting Act section [ 15 USC 1681c-2 ( c ) ].

In accordance with provisions under the Fair Credit Reporting Act section [ 15 USC 1681i ( a ) ( 7 ) ], and [ 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) ], I am now demanding that TRANSUNION LLC produce proof of all evidence, documentation, and records of communication provided by ALL institutions, which were relied upon to determine the validity, truthfulness, and accuracy of the disputed account information. I am exercising my right in accordance with the Fair Credit Reporting Act [ 15 USC 1681a ( e ) ] to demand full disclosure of the Investigative Consumer Report, including details of all communications shared and received during the conducted reinvestigation of the disputed account information. 

As required under the Fair Credit Reporting Act [ 15 USC 1681i ( a ) ( 7 ) ], TRANSUNION LLC, shall be granted FIFTEEN ( 15 ) DAYS to respond to this CFPB Complaint. The consumer has also mailed notice of this complaint by way of USPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter via certified mail to XXXX  on XX/XX/2018. Tracking number XXXX. It shows it was delivered on XX/XX/2018 and signed for. XXXX  tracking number XXXX Equifax tracking number XXXX I sent the letter stating negative accounts were not mine, never opened by me. I sent proof of this. I also sent proof that I never inquired on multiple accounts listed as credit inquiries. I never received any information in return and these items are still listed as mine on my credit report. 

Accounts fraudulently opened XXXX XXXX  Delaware XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX I also have over 12 inquiries I did not make. I sent proof of this as well. 

The student loans listed as negative were forgiven and I also sent proof of this. The XXXX  XXXX was paid off in full. 

All of this information was sent over a year ago via certified mailed. It is my right and the law that this be resolved. This is having a negative impact on my life and I have taken any and all steps to resolve.
Product: Debt collection

To Whom it may concern : I submitted two dispute letters certified mail acting in good faith, showing delivered on XX/XX/XXXX and another one on XX/XX/XXXX. I disputed this account and the inaccuracy of this fraudulent account on my credit report. I asked Macys for my verified signature and how they validated this fraudulent account and all the corresponding information. They have failed to provide me the requested information. I never opened an account, I didnt authorize this to be on my report. This is a fraudulent account. I asked them to investigate this account and to delete immediately from my credit report. It's been over 45 days with no results. I also uploaded documents of my police report from XXXX and drivers license confirming my identity. I have been a victim of Identity theft twice in XXXX and XXXX. I did not consent to, authorize nor benefit from the following account. Please block and remove from my credit report. They have violated multiple laws and they responded in black and white responding to my letter stating I still owe them the undisputed debt when I have disputed the inaccuracy and the entire fraudulent account and I am on record stating this account is not mines. Yet and still they respond with a blatant violation. I would like for this to be resolved immediately. Please see attached a copy of all of my supporting documents. This is very Frustrating.
Product: Debt collection

I would like to pay debt owed. I ca n't find contact information to send payment. I would like to pay all collections owed. How do I pay, contact me @ XXXX