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

I have contacted Experian multiple times through dispute letters, and XXXX XXXXXXXX XXXX  has had them verified with incorrect and missing information. I will attach a copy of 2 accounts reported by Experian and verified by XXXX XXXXXXXX XXXX These accounts both have the same account number. I only remember 1 account, since I would not not need a 2nd account with the same credit limit, both are joint. This is an error on XXXX XXXXXXXX XXXX reporting 2 accounts with the same account number. I contacted XXXX XXXX XXXX and asked them for a copy of the payment history I was told XXXX XXXXXXXX XXXX that they did not have any reports for this account number. The account number as reported by Experian XXXX .... XXXX XXXX XXXX  This was reported by Experian Report # XXXX for XX/XX/XXXX. the only difference was one account was reported as opening XX/XX/XXXX and the other account opening XXXX of XXXX since there is no other way to see any difference i will use the date opened. The XX/XX/XXXX- has Terms Not Report INACCURATE, Monthly Payment Not Reported INCOMPLETE, Recent Balance Not Reported, This account shows an open date from XX/XX/XXXX and closed XXXX XXXX ( 4 Year 1 month ) The payments history shows only 12 payment periods. Yet when I asked for a payment history from XXXX XXXXXXXX XXXX could not provide a payment statement. The second account with the same number which was opened XX/XX/XXXX shows Terms for ( 1 months )??????? There are 12 months reported on the payment history. The 2nd account with same number has an opened date of XX/XX/XXXX This account shows closed XX/XX/XXXX. How can an account be closed before it was opened INACCURATE??????? On this same account information such as monthly payment and Recent Balance are not report INCOMPLETE, This was verified by XXXXXXXX XXXX There are so many mistakes on this report from Experian that have been verified by XXXX XXXXXXXX XXXX. FCRA Section 609 and 611 require creditors and credit reporting companies to provide accurate information on credit reports. If accurate information can not be provided then the account is to be deleted.
Product: Mortgage

My wife and I applied for a refinance mortgage on XXXX with the broker, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. No. XXXX. Quicken Loans provided the first loan estimate that same day at {$380.00}. Subsequent estimates on XXXX and XX/XX/XXXX were {$16.00} and {$440.00}. Closing Disclosures on XX/XX/XXXX, and XX/XX/XXXX were {$1400.00} and {$1700.00}. Yet, they did not close, with more ( repeated ) documentation requested. On XX/XX/XXXX, a new Closing Disclosure was issued but with a cost of {$8400.00} shown. This despite no " change of circumstances to warrant it. I objected and, despite assurances by XXXX that this would be revised with a new closing document, our loan was denied on XX/XX/XXXX. four months from the start of the process!!! 
I am XXXX XXXX XXXX, my wife is XXXX. We have income of $ XXXX per year with additional investment accounts of over $ XXXX and very little debt. Our credit scores are both XXXX. 
there was no logical reason to turn us down, other than " being old '' or the mortgage broker having lured us with low cost and low rate come on and then not being able to get us to close at much higher costs. Now four months later, rates and costs have increased and it no longer makes sense for us to refinance with a reputable lender. 
I have all emails and documents to support this complaint.
Product: Debt collection

On XX/XX/2018 a collection account was added to my report by an company known as AD Astra Recovery, a company in which I do not owe. I have disputed this misrepresented account from the orginal creditor to no prevail. I have requested many of times original documentation from this company and credit agencies alike ; without receiving anything to satisfy my position. According to the FCRA law, if the creditor can not provide documentation then the account shall be removed.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : 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. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX  Account Number : XXXX Delete From My CREDIT REPORT XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX XXXX 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and found that AMERICAN HONDA FINANCE is  reporting a late payment on XX/XX/2014 i also send out a dispute for all 3 credit bureau and noting
Product: Credit card

On XX/XX/year>, I made a payment to my Prosper credit card online, as I have always done. The payment exceeded the minimum amount due, and the due date was XX/XX/XXXX. On XX/XX/year>, I noticed that the payment had not cleared my bank account. Upon checking my online account, it indicated that the payment was processed on XX/XX/XXXX and that my account was in good standing. 

I contacted Prosper customer service and spoke with representative XXXX. ( Note : All calls are recorded for quality assurance and training purposes. ) XXXX informed me that the payment was returned on XX/XX/year>. When I inquired about the reason, she stated she did not know. I also asked why I was not informed of this, to which she replied that it was not their responsibility. She further stated that I would be charged a returned check fee and a late payment fee. When I expressed my dissatisfaction, she abruptly ended the call. 

I called back and spoke with another representative, XXXX, who informed me that my account was now restricted due to the returned payment and that nothing could be done until I made another payment from a different bank account. Unfortunately, I do not have another bank account. When I asked again why the payment was returned, she said she did not know and that they could not find out. She then ended the call. 

I contacted my bank, XXXX XXXX XXXX, which recently took over XXXX XXXX XXXX XXXX XXXX on XX/XX/year>. After spending two hours investigating, my bank determined that Prosper, either through their software or manual processing, omitted the first XXXX zeros of my account number, rendering the account unidentifiable and causing the payment to be returned. 

I contacted Prosper again and spoke with representative XXXX, requesting to speak with a manager. She transferred me to a supervisor named XXXX. I explained the situation and my bank 's findings. I made another payment online that same day. XXXX stated that it is their policy to restrict accounts and charge fees regardless of fault. He mentioned he would submit a ticket for investigation but that the fees and restriction would remain. The ticket number is XXXX XXXX 

On XX/XX/year>, I received an email from Prosper stating that they had conducted an investigation and confirmed the payment was returned without providing a reason. They maintained the restrictions and fees, closing the case. I responded, pointing out that my payment was not late until XX/XX/XXXX, so no late fees should apply. The payment was returned due to Prosper 's error in processing my account number. Despite this, they are penalizing me with fees and restrictions. 

In response, Prosper reiterated that the restrictions and fees would remain and closed the case. I informed them that I would be filing a complaint with the Consumer Financial Protection Bureau. Representative XXXX then indicated that if I did so, they would close my account and demand immediate full payment of the balance. This response appears to be retaliatory for reporting and refusing to accept responsibility for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified request to Transunion disputing the inaccurate reporting on my report from XXXX. Transunion updated my report and removed the inaccurate information in XX/XX/XXXX. However, I have noticed AGAIN, Transunion has allowed for the false reporting. 

I am requesting the removal of the derogatory reporting from US Department of Education XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX. 

According to the correspondence from XXXX, XXXX began servicing a XXXX XXXX on XX/XX/XXXX which is and has always been in good standing. However, according to the credit bureau Transunion, XXXX continues to falsely report servicing my loan effective XXXX, with negative reporting in XXXX, XXXX and XXXX. 

I have enclosed a copy the letter from XXXX, to me regarding said loan, and unless you can provide valid proof to support otherwise, I request that you immediately cease and desist inaccurate reporting practices and delete the false information outlined in this document form my credit report immediately.
Product: Checking or savings account

On Tuesday, XX/XX/2022, I was approached by a stranger who seemed to have an issue with depositing money into his bank account and I was persuaded to help him simply deposit his checks into my bank account and exchange the amount of money in the checks for cash to give to him. We were located in the Chase bank on XXXX XXXX XXXX in XXXX, using one of their ATM machines, and the stranger had 4 checks of {$990.00} each ( totaling up to {$3900.00} ) and he deposited it into my bank account. In return, I took account the same amount of money at the counter since it didn't withdraw from the ATM machine. It did not process in my mind that the checks could be fake and I would be a victim of check fraud, ultimately losing my money and having a fake check be framed under my name.
Product: Money transfer, virtual currency, or money service

There have been multiple different instances where I would have a charge on my card inconsistent with my activity, I would attempt to connect support and they would continuously send me to a automated virtual assistant over text. Which is illegal every bank in the United states is required to have 24/7 aggents available for banking emergencies, etc. ( Dates and further details are included in the images attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX COMPANY ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX THE XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter is to provide you with knowledge of intent to sue. The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation. Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization. Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed. Feel free to reach out to address this issue before it escalates legally.. via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file. I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation. Accounts that I didn't authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM 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
Product: Debt collection

Some time around XXXX of 2018 I was sent a letter in the mail from a company called XXXX stating that I could qualify for student loan forgiveness. Being how paying off my loans has been a huge struggle for me ( as I do not make as much money in my career and have a lot of necessary bills ), I called the number on the letter just to get more information about it and see if it was something I should look into. I called and spoke to a man named XXXX XXXX. He stated that he would calculate all of my monthly payments and see if he can get my payments down to XXXX/month. I was told my loans would be consolidated and then transferred to a different company ( from XXXX XXXX to Fedloan ). I then gave him all of my monthly payments in which he calculated them. Afterward, he ensured several times repeatedly that my monthly payments would be XXXX and that I qualified based off of my monthly bill calculations. I was told I will have these XXXX dollar payments for 20 years but still have the loan debt on my record, then my loans would be forgiven and wiped away after the 20 years as long as I reapplied on time each year. I do recall him seeming pushy and wanting to sign me up right away. I told him this is something I needed to think about, do some research and discuss with my boyfriend. He then stated there was a deadline and I would need to sign up for it now/asap or I will not have that opportunity anymore. I did hang up without committing to anything just yet and over the next month I asked as many further questions as I could through e-mail, a few more phone calls to XXXX and through discussion with my boyfriend. I remember asking how this would affect my credit, and also asked if I had any other opportunities come my way if I would be able to make a change or if this was a definite commitment ( I remember him kind of laughing and then I was then told " I will never receive an opportunity as good as a XXXX dollar monthly payment '' ). Everything then looked and sounded legit so I decided to sign up for it. I made a " one-time '' payment via credit card of XXXX in which I have proof of on XX/XX/18. I also do have saved e-mails for documentation with him and a few other members of the party : XXXX XXXX, XXXX XXXX and XXXX XXXX. When I went to reapply this year I put in all of my honest information regarding my family size, etc.. and thought it was odd when it said it did not match up with what I put in previously. I then received a XXXX/mo increase from XXXX for my payment with Fedloan and suspected there was a mistake. I then called Fedloan to look into it and fight the pay increase ( given what I was told previously ) just to find out that I was lied to from the beginning, had money stolen from me and that my information was falsely entered by the XXXX company against my knowledge just so that I can see the XXXX dollar payment. I was then given the FTC website to file complaint and receive refund.
Product: Money transfer, virtual currency, or money service

This is so frustrating because you have these companies like PayPal charging and making huge money but seemingly refuse to deal with even the smallest of details, details that are core to why people use them and are supposed to have confidence in which I'm referring to consumer protection features they boast about! The first complaint was about a flaw in their system regarding filing a claim and no doubt they did nothing to correct it. That situation was over returning a product and now I have returned the product, did everything I was supposed to do and within the proper timeframes ... PayPal closed the matter indicating I did not respond on time but XXXX, on XXXX I got a notice that hadn't provided tracking information but I have an email from PayPal on XX/XX/XXXX stating, 'thank you for providing the tracking information ... ' ( email provided ). On XXXX I sent a message that I had provided the tracking information, no response. On XX/XX/XXXX I got a message that the case was closed but without a refund. In fact, the item was delivered to the seller on XX/XX/XXXX but yet still no refund and PayPal has done nothing, even acknowledged they had the information...
Product: Mortgage

On XX/XX/2020 I closed on a refinance with my current lender Ranlife Home Loan. To my knowledge the transaction was completed as I received the title information via email. On XX/XX/2020 I checked the borrowers portal to ensure that the loan was paid off. However, my account was showing that I had a payment due. I contacted Ranlife the same day and spoke to a supervisor by the name of XXXX who indicated that they could not locate the check but would complete research and get back to me. He never called as promised so I called on XX/XX/2020, to follow-up and spoke to another supervisor who stated that all checks were routed from their Connecticut office to Texas, yet I was not provided with a routing number. It has been two weeks since I closed, but this transaction still has not been completed. I have never encountered this level of incompetence and negligence. I want to make sure that this issue is addressed to ensure that there isnt a negative action due to the extreme incompetence of this company.
Product: Debt collection

Medical Data systems, Inc is attempting to collect a debt that I do n't owe nor have I ever established a contract with this company. You purchased a debt from a company that claims that I owe them but by you obtaining the debt does not legally bind me to owe you anyting, furthermore they are in complete violation of HIPPA and FCRA law which is violation of the law
Product: Credit reporting or other personal consumer reports

Affirm sent my unpaid loan to XXXX XXXX for collection. I paid the settlement amount and resolved the debt. Affirm updated my credit report with incorrect payment details after I have called and provided documentation to show that the debt has been resolved. Please update my credit report accurately. I paid the settlement amount and my balance should be XXXX.