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

XXXX, Experian, and XXXX, as credit reporting agencies, are in violation of codes set by Congress and rules set by the Consumer Financial Protection Bureau regarding the following inaccurate information : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 1681a ( 2 ) ( A ) ( i ) regarding exclusions on consumer reports states that a consumer report does not include information solely as to transactions or experiences ( charge off status, payment history ) between the consumer ( Me ) and the person ( XXXX, Experian, XXXX ) making the report . IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income. According to the Consumer Financial Protection Bureaus Key Dimensions and Processes in the U.S. Reporting System paper, it states in section 2.2.1 ( 2 ) that credit reports do not contain information on a consumers income or assets. These charged off/canceled debts are inaccurate information as income is not to be included on a credit report. I have included attachments from the pages of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), IRS Publication 4681, and the Consumer Financial Protection Bureaus Key Dimensions and Processes in the U.S. Reporting System paper containing this information. I have also attached the credit reports from each credit reporting agency containing the inaccurate information. This is an explicit notice to immediately delete these inaccurate entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove these personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information not later than 4 business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX Date Updated : XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my credit report, I am not happy to see the below items to be inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account XXXX XXXX XXXX  open XX/XX/2018 Amount XXXX Recent XXXX XXXX XXXX account opened up Fraudulently in my name and authorized by unknown person I had a previous XXXX XXXX account that I had opened and paid account off after I paid account off some how mysteriously another XXXX XXXX XXXXXXXX account have became open in my name that I did not apply for or authorized
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

The XXXX. Illegally placed my home on a vacant and abandoned list. They took legal action ( hired a law-firm ) to collect the debt via small claims court, I provided XXXX total documents to dispute their fraudulent claim and I prevailed. The case was dismissed with PREJUDICE. ( meaning they can NOt bring a claim pertaining to this case against me ever again ) 60 days later in RETALIATION, I received ( XXXX ) bills from again the XXXX, stating I owe approx. XXXX for cutting my grass. I never received notice or warning of the XXXX taking such action and disputed the bill, it was denied by the same dept. that sent the bill in the first place. ( What do you know, the recruited to XXXX Executive '' XXXX XXXX XXXXXXXX ) I questioned the XXXX XXXX assistant XXXX XXXX XXXX XXXX regarding my right to DUE Process, and inquired about and appeal, I was told there was NO additional appeals afforded me. I was then referred to the XXXX. I was then told, by telephone from attorney XXXX XXXX, that I would receive a notice regarding their decision, and I could in fact appeal the decision. And then the next day, I received a summons from the same law-firm on behalf of the XXXX stating I owe them XXXX. The small-claims court dismissal was on this same property from the same people XXXX .I reported the unethical and criminal action taking by the attorney ( s ) to the disciplinary commission. And now here we go AGAIN, the city attempting to collect monies from me that I do NOT owe. This time, they filed the case ( that was already heard ) with a higher court, attempting to disregarding the previous ruling of the Judge. Now they are going after me for ( XXXX, plus interest, fees, etc ) based off the previous claim ( WHICH was DISMISSED ) They are using, Influence, harassment, wicked games, abusing power and the entire legal system to take advantage of the working poor simple because they have NO over-sight and all their relatives work here ( in-laws, sisters, cousin, uncles, aunt, etc ) for the police, XXXX and elected officials. NONE of these folks within the XXXX is standing up for the constituents they took an oath to serve and protect. Though they all receive tax-payers dollars to feed their own families and provide their needs and wants!! : ( I filed a discrimination complaint against the city and reported harassment, intimidation, corruption, criminal enterprise ( XXXX crime ) fraud, waste and abuse to state representatives, senators, prosecutors and nothing was DONE!! The state representative had the nerve to tell me to contact the University XXXX!?!?! It 's a war zone here and these folks, including myself need help from this very evil and wicked leaders throughout the state. I believe the XXXX will save us ... But, he uses people ... .we need a lot of good people to help us to begin to live in peace while we reside here. A wonder just how many folks are victims of these very criminal acts???? None of this is ever reported on the newsso people can learn about all this and better protect themselves, its so, so, so, so SAD!!! : (
Product: Credit card

I paid my entire balance as I do every month on XXXX. On XX/XX/XXXX I checked my account and although the correct amount was posted, it is not yet available. I called the company and they said it takes 14 days to become available. This is the third time theyve done this and they say its random. But, how could it happene to me three consecutive months? 
Then I received a paper bill today ( XX/XX/XXXX ), it shows the payment and shows it is available, which is a lie. I called again and they told me it would be XX/XX/XXXX before it is available. 
Seems like they are playing the float with my money. Is this legal, do I have any recourse?
Product: Credit reporting or other personal consumer reports

I tried to purchase a piece of furniture from a local company and their same as cash vendor denied my loan. The application was acting funny at the store. So when I called the loan company they said my SSN was wrong. The furniture company said it was wrong on the application. Meanwhile before the furniture company knew the social was wrong they tried a different loan vendor and it was denied. Also before the original loan company figured it out, they had tried again. So I have XXXX inquiries only linked to my name. I would like to erase the inquiries and start over with the correct SSN. Which also would clear up my report.
Product: Mortgage

Although I have emailed and phoned my mortgage company multiple times ( they NEVER pick up the phone and have had me on hold for 2+ hours and then my phone goes dead ) then when following up with emails to them, they never respond with an answer to my questions. I first applied for a loan modification in XXXX, but ongoingly they would not give me a decision/answer in any form. Then when pressured by me via email this month to let me know of their decision, I finally received a reply by mail that my request had been denied. It was then when I requested several times via their website a forbearance for my current mortgage. Again, no answer from them. 
Further background of this situation is as follows : I was diagnosed with a serious XXXX XXXX at the beginning of this year. I had to have a valve replacement, and then in XXXX I was informed that I am so advanced into XXXX XXXX that I am going to need a XXXX XXXX. My XXXX  told me I would not be allowed to go back to work until I could receive the XXXX  for XXXX Although I receive Social Security payments monthly, it is not enough to pay my bills including my mortgage. I was able to eek by and send my XXXX mortgage payment, but for future it will not immediately be possible. The main reason payments for XXXX and beyond may not be possible for me is especially this : I have had an adjustable rate mortgage for many years, and my highest payment has been {$750.00} during that time. I was forewarned that my payment would go up on XX/XX/2020 to {$2200.00}. And, indeed it did. I have been turned down when requesting first a loan refinance, and then the loan modification. That leaves me in a real pickle. Since I felt then that I should at least deserve a forbearance intervention, as I have said, I applied with them online at least three times and never have gotten a response to my request, in any form.
Product: Credit card or prepaid card

In XX/XX/XXXX there was data breach involving my Stein Mart XXXX XXXX   card. I called the fraud department right away and disputed the charges that were not from Stein Mart since I never used the card for any other vendors. I canceled the card right away ( XXXX XXXX XXXX XXXX ) Some of the charges came from other stores and they were taken off my account right away. But two of the charges involved companies that mailed items to my home address. I called the two latter companies and they refused to deal with me, stating that I had ordered the items and that I could not return them unless I paid for the shipping. I was told to refute the charges through Synchrony which I did. I learned through an Internet search that I was the victim of a scam : data is stolen, items are bought in stores, and items are bought online and delivered to home address and then stolen from the front door or a bogus XXXX envelope left for returns. 

When I first received my XXXX bill from Synchrony, I paid the {$38.00} for a Stein Mart charge ( which was my purchase ), but did not pay the {$210.00} for an XXXX Online purchase made on XX/XX/XXXX and the {$110.00} for an XXXX XXXX purchase. ( Total disputed : {$320.00} ) I also received a form from Synchrony 's Fraud Solutions Department that I filled out and returned to them. 

My XXXX bill showed credit for each of these disputed charges and a balance of {$0.00}. I thought the problem was resolved. 

In XXXX, the bill for {$320.00} returned on my statement and since that time, fines have been added. I have contacted Synchrony twice more trying to resolve this. I received two form letters denying my fraud claim because " Merchandise was shipped to customer 's verified address. '' Now Synchrony has been calling me up to three times a day. I have explained over and over that I dispute the charges and was the victim of a data breach. The phone calls continue but the issue is not resolved. I have excellent credit and don't want this to hurt that.

Can you help? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to deal with an account from a company called TD Bank Target card for over a year now. I have sent them multiple dispute letters AND phone calls stating that I had never opened an account with them and they are reporting a fraudulent account on my credit report. Now the account itself is not hurting me as it seems to be paid HOWEVER this account was never opened by me. I have spoken to someone from TD Bank/Target card and the person I spoke to in fraud department assured me that the account was closed and would not reflect on my credit report and here we are a year later with it showing as an open account and NOT REMOVED. I actually have a voice recording of this person at Target TD Bank STATING THIS VERBATIM. I am beyond livid at this point. I have sent the 3 credit bureaus ( XXXX, XXXX and XXXX ) multiple disputes and they still are not help. I am working with an attorney now that is costing me thousands of dollars putting a class action lawsuit together but at this point I am running low on funds when this could all be resolved by just doing the right thing... NOT REPORTING A FRAUD ACCOUNT WHICH I NEVER OPENED. This is going to be the death of me. I have sent TD Bank/Target letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again this last XX/XX/XXXX. Still no one can help me.
Product: Credit reporting or other personal consumer reports

Date : 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  To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming late payment ( s ) have been made on my account. I do not remember ever being late. 

XXXX with account number XXXX If you can prove that I was late please provide all statements and records of all payments made and missed since I opened the account. 

In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

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

Experian, reporting an account as " Never Late '' and " Current '' with {$0.00} Past due payments is the opposite of an account being in Foreclosure. This is blatantly inaccurate. My account is not in foreclosure. It is in excellent standing.

I have requested and am requesting a RE-INVESTIGATION of the credit reporting for my Central loan administration account. I provided PROOF that it is falsely & inaccurately reporting a foreclosure, as of XX/XX/2023. This is absolutely inaccurate and False. All past due payments for this account have been paid. I provided letter from XXXX proving this. 

You are in violation of the FCRA & THE FDCPA. I demand that this Foreclosure status needs to be removed immediately. 

It is your fiduciary responsibility to correct, change or delete any and all inaccurate information and accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection with XXXX XXXX is already satisfied an paid
Product: Credit reporting

I sent in a identity theft affidavit ( certified ) to Experian and they have ignored my request in re : to id theft number XXXX as well as the XXXX please have these accounts/inquiries removed direct result of identity theft commercial bank XXXX mortgage XXXX bank XXXX inquiries ally fin XXXX XXXX lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 my address remains inaccurate my address should be displayed as follows as XXXX XXXX XXXX in XXXXXXXX XXXX XXXXXXXX. That is my most accurate address to date anything other than my current accurate address displayed on my credit report findings is an inaccurate reporting on my credit report with Experian, XXXX XXXX and XXXX anything other than my current correct address should be immediately removed and delete it and updated as follows.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these XXXX, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Innovis on numerous occasions, both by phone and mail, and tried to have them explain to me how they are verifying this erroneous reporting account as accurate, and they always reply with, " we obtain our information from the credit bureaus for this account. '' The credit bureau, or any agency that sells information " for profit '' for credit reporting purposes, are NOT the original creditor for this erroneous reporting account, and any reporting of accounts, except by the original creditor of the account, should not be considered as trusted information and deemed verified. If Innovis can not provide me with satisfactory written proof of the creditor they contacted, the creditors phone number, and the name of the customer service rep that provided Innovis the information to verify the account, they are in violation of my FCRA rights and by law, they MUST delete this erroneous account from my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX  XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed a number of inquiries that was made by me. I reached out to the credit bureau and disputed the accounts letting them know that my identity was stolen nothing was done I've also .submitted a complaint with identity theft .gov XXXX XXXX XXXX ( Hotel and travel ) XXXX XXXX ( Finance ) XXXX XXXX XXXX  ( Auto ) XXXX XXXX ( Auto ) XXXX ( Finance ) XXXX ( Bank ) XXXX XXXX XXXX ( Auto ) XXXX XXXX Bank ) XXXX
Product: Debt collection

The company is reporting bad info to XXXX XXXX this is not my acct. and the date being used asthe date couldnt be right I thought first time of deliquency is the date usedif thats the case this is impossible
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. Upon reviewing again my TransUnion credit report, I can still see unauthorized inquiries that I was requesting to get deleted. I kindly request the deletion and blocking of these items that do not belong to me within the next 24 hours.
Product: Credit reporting

I have XXXX accounts accounts on my trans union report that are reporting incorrectly 1 bankruptcy not mine must be mixed file 2 nissisn infinity not mine mixed file 3 XXXX XXXX not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018  Re : Unauthorized Credit Inquiry Dear Sir / Madam I recently obtained a copy of my credit report from TransUnion. It indicated that a credit inquiry was made by your company. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 
XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX Finance, personal XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX/XXXX Finance, personal XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX   XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX Miscellaneous and public record XXXX XXXX  XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX   Miscellaneous and public record XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX