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

THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THAT WAS OPEN IN MY NAME SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

I am writing to dispute the charge off in the amount of {$360.00} of Walmart account # XXXX. It shows a last payment on XX/XX/XXXX in the amount of {$35.00} dollars. This is inaccurate. I have copies of my credit report ( attached with this letter ) from XXXX and all three bureaus show reported payments received from XX/XX/XXXX up until XX/XX/XXXX. The payments listed on the credit report come to a total of {$380.00} ; however, there is an in-store payment that is not showing on the reports, that shows as not reported by you, that is around {$260.00} which means that you have received a total of {$640.00} ; {$270.00} more than the amount shown as charged off.Further, the account was sold to XXXX XXXX XXXX ( account # XXXX ), who is seeking to collect on the account as well. 
Payments were made through the online payment system. Prior to making payments, I spoke with a customer service representative to explain my financial hardship and my plan to resume payments along with the amounts that I was able to pay in XX/XX/XXXX. The customer service agent assured me that payments would be accepted and that my account would remain open so long as I remain current with my payments. I was never notified that my account would be and had been charged off during that time. 
I resumed payments after my hardship, using the online payment system, in the amount of {$35.00} dollars each month starting XX/XX/XXXX and noticed that the balance would never change ; however, I was too busy to follow-up. I also noticed that I no longer had an available balance on the card. In XX/XX/XXXX, I went into a store to make a payment on my card in the estimated amount of {$260.00}. The store accepted my payment and I assumed it was applied to my balance. I made a final payment in the amount of {$35.00} in XX/XX/XXXX assuming surely this should settle my balance, but your records never reflected as such. If my account was charged off, all payments made should have been directed towards the balance. 
I also noticed there is a change in the original balance shown for the original charge off. My credit report from XXXX shows an original charge off in the amount of {$150.00} ; however, my XXXX report shows an original charge off in the amount of {$360.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

As i have notified XXXX before, i am a victim of identity theft, please see attached for the SECOND time all documentation again
Product: Credit reporting, credit repair services, or other personal consumer reports

am extremely frustrated and disappointed that I am unable to retrieve my credit report despite numerous attempts to do so. This is not only illegal but also a complete disregard of my rights as a consumer. 

As someone who values financial responsibility, I make it a priority to regularly check my credit report and ensure that everything is accurate and up-to-date. However, due to the credit bureau 's neglect and disregard for their responsibilities, I am unable to access my credit report, leaving me in the dark about my credit standing. 

This is completely unacceptable, and I demand that the credit bureau take immediate action to rectify this issue. As a consumer, I have a legal right to access my credit report, and any attempt to deny me this right is a violation of the law. 

Furthermore, the credit bureau 's neglect is not only inconveniencing me but also potentially damaging my financial future. Without access to my credit report, I am unable to take the necessary steps to correct any errors or inaccuracies, potentially resulting in a negative impact on my XXXX XXXX and financial well-being. 

I demand that the credit bureau take my complaint seriously and take immediate action to rectify this issue. As a responsible consumer, I have taken the necessary steps to ensure that my credit report is accurate and up-to-date, and it is unacceptable that the credit bureau is neglecting their responsibilities and denying me access to this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that Transunion may have been inappropriately using my information for solicitation purposes or to create negative informationon my credit report. I recently have received several calls from numerous solicitors and potential creditors which not only interrupt my work day but are received at very inconvenient times of day and evening. One specific company that shows on my voicemail is " client services '' and after doing some research online I became aware of legal actions and issues in regards to Transunion for " dark pattern '' practices and misusing consumers information. I may be a victim of said action.
Product: Mortgage

OnXX/XX/XXXXI wrote a complaint letter to US Bank Home Mortgage Customer Advocacy Center stating that I wanted to be reimbursed for all the PMI payments USBank had been fraudulently collecting from me since the FIRST time I asked for PMI removal in XX/XX/XXXX. I also asked them to waive my appraisal fee since if I hadn't done my own detective work, the advice USBank gave when asking to remove my PMI several times ( including the first inquiry back in XX/XX/XXXX ) was incorrect which would have had me paying on PMI for years to come.

The reason they stated they could not refund me back toXX/XX/XXXX and why they incorrectly stated the guidelines was that the XXXX PMI guidelines had just recently changed and that they were NOT AWARE of the change in guidelines. This is again not true and I again had to do my own detective work to find out what the truth was. The truth is that the guidelines were last updated XX/XX/XXXX. And according to XXXX XXXX : " an approved insurer must conduct and complete a self-assessment of its COMPLIANCE with all requirements of the PMIERS as of the effective date and certify to XXXX XXXX that it satisfies all the PMIERs ''. So stating they were not aware of the changes from XX/XX/XXXX is also a lie to protect themselves. I am appalled at how USBank continues to falsify information at the consumer 's expense. I request PMI removal from original stated request ( XX/XX/XXXX ) as well as appraisal fee waived for the gross misrepresentation of the truth which would not have been identified if it hadn't been for my due diligence. This company is certainly committing FRAUD by every sense of the word " WRONGFUL DECEPTION INTENDED TO RESULT IN FINANCIAL GAIN ''
Product: Debt collection

XXXX XXXX XXXX, XXXX. began sending me this bill in approximately 2011. My husband has a mortgage with same. However, I have not ever, nor do I now have an account with XXXX XXXX. I have ignored the bill until news broke recently that the bank was opening credit cards in the names of people without their consent. 

That is when I realized I could possibly be one of the victims. 

To the best of my knowledge, this bill has now been turned over to Northland Group , Inc. and they are now still trying to collect an amount I do not owe. As well, it is now a blemish on my credit report.
Product: Vehicle loan or lease

It started early this year, I wanted to refinance the vehicle I have with Concorde Auto Acceptance. I asked XXXX, the account manager over the vehicle if I am too, she told me I would not be able to refinance, even if I go outside. I also ask about returning the vehicle, once, and was told it would be a repossession on my credit, even if I give it back on good terms. 

So I became aware of another option and request my billing statements to be sent to me via mail, first via telephone, speaking with a few accounts, which all conversations recorded. I was decline and was given the payoff ( via email ) and an email to ask about getting my billings statements mailed. 

I sent a email to their support team on XX/XX/2021, where I requested billing statements, both past, current, and total. I was asked by XXXX, who implied he had authority on behalf of the CEO to make necessary decisions, who wanted me to send him my address, ID, employer, and last XXXX of my social security number, via unsecured email, yet, in a later email he told me that he/they take security serious and refuse to mail me my billings statements, even future billings statements, which I am entitle to legally, via mail. Later in the emails, he told me that I can pick up the billing statements in person ( which will be out of my way, financially, repetitively ), and after I was already told by the accounts in the office, that I would not be able to get, for they do not do remittance coupons billing statements, and everything is online. 

So after I came into knowledge and notice a billing error. On XX/XX/2021 I sent a billing error dispute to Pursuant 12 CFR 1026.63 " billing error, '' and Pursuant to 1692j the " bills '' Concorde Auto Acceptance furnishes are deceptive and it's a violation to federal law. ( The letter will be attached ) In response to the letter, which will be attached, I was sent a texted by the company and sent a letter to collect a debt, which has been causing emotional destress, for they attempted to tow the vehicle. 

They have not allow me, and still have will not allowed me to pay my car note, and have locked me out of my account online option to pay, which I believe, they are wanting me ti pay their insurance, which I already have my own. They forced ( because they will not allow me me pay my car note ) me to call my insurance for a declaration page, after I sent in my insurance card. Even though I have insurance outside of them now, they are denying me the right to pay my car note, which is causing me emotional and financial stress having to use XXXX or pay others to drive me around. When I spoke with XXXX keep saying they have to verify my insurance in order to let me pay my car note, but is having me call them, because they dont want to accept my insurance card. 

And instead of addressing the billing error dispute, I feel I am being retaliated against and it cause me emotional and financial stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised, Im been a victim of identity theft. The following accounts are all fraudulent. Please see attached Ftc report & my identification. 

XXXX. XXXX XXXX {$4000.00} XXXX. XXXX Now {$7700.00} XXXX. XXXX XXXX {$790.00} XXXX. XXXX XXXX {$140.00} XXXX XXXX XXXX {$510.00} Please see attached clear FTC Report, submitted by myself with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute XXXX hard inquires that were not mine on my credit report. I have contacted the financial institutions that have pulled my credit and they investigated the issue. They sent the results of their investigation to the credit reporting to remove the hard inquires. XXXX XXXX and Experian have removed them but XXXX has not. I sent a request along documents that prove the inquires were a result of fraud. XXXX has not removed them and I have been told they are unable to.
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion XXXX XXXX, which heightens my concern regarding the security and handling of my personal information.
Product: Checking or savings account

Bank account being deactivated due to fraudulent charges phone 's not being carefully correctly with withdrawals and use of debit card
Product: Credit reporting or other personal consumer reports

In regards to the fair credit reporting act 15 USC 1681 section 602 it says there there is a need to ensure that a consumer reporting agencies exercise their grave responsibilities with fairness and partiality and respect for the consumers right to privacy XXXX and XXXX are the consumer reporting agencies and I myself and the consumer. I have the right to make sure that my private information isnt shared which is backed by 15 USC 6801 in which says it is the policy of the Congress, that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers by not sharing their non-public personal information Fortiva, XXXX is a financial institution by definition under that title. It states in 15 USC 1681 section 604 ( a ) section 2 in general to subjection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances, and no other in accordance with the written instructions of the consumer, to whom it relates Fortiva XXXX, the financial institution, and the consumer reporting agencies XXXX XXXX , do not have my consent to furnish this information, and they surely do not have my written consent to share any of this information. And any, and all consent to experience or XXXX Fortiva, XXXX, whether it be verbal nonverbal written implied or otherwise revoked. 15 USC 6802 ( b ) ( c ) clearly says a financial institution may not disclose non-public personal information to a non-affiliated third-party unless the consumer is given an explanation of how the consumer can exercise that a nondisclosure option Fortiva XXXX never informed me of my rides to exercise my nondisclosure option. Not only that 15 USC 1681 ( a ) ( 5 ) clearly says except as authorized under the subsection ( b ), 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 the records of convictions of crimes, which annotates the report by more than seven years this account is an adverse item they are reporting again of which I never gave permission and this is against the law 15 USC code 1681s-2 ( A ) ( 1 ) clearly says 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 in accurate. 15 USC code 1681e clearly says every consumer reporting agency, shall maintain reasonable Procedures designed to avoid violations of section 1681 ( b ) of this title, and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 clearly says that a consumer may exercise the right to opt out at any time.I am here exercising my right opting out of your reporting services
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Dear customer service, I received an email from XXXX  XXXX  that my Chase bank sent a 30 days late payment to all 3 credit Bureaus. Let me first explain my situation. I closed most of my credit carts about 2 years ago through XXXX XXXX XXXX 's department. Every month I am paying them the amount that creditors agreed with them. During the Covid 19 I was not able to pay the full amount due to my financial hardship. It was the first time that I paid less amount to my credit card companies. However, I have already paid the full amount and make them current. The only bank that didn't remove my late payment is Chase bank. I have already made a disput with all 3 credit bureaus and received an email from them that they are unable to remove the late payment from my history. Today I called to Chase bank and humbly request them to do something for me and ask them to let me to make a disput with them, but they said they are not able to do anything for me. I told them I have already spoken with their customer service department and explain them I am not able to pay my full amount but the supervisor told me they have never received a call from me. I swear to God I talked with them a month ago and explained them why I can't pay the full amount and they accepted it. Now, they say I have never talked with anybody in their department which is so weird. I humbly request you to understand my situation and do something for me. I have never had any credit problems with any companies before and this late payment really bothers me. Because of the late payment report my credit score dropped by many points and I am really sad that why I was not able to pay the full amount to them. I thought that chase bank will understand my situation and remove my late report because I am sure that this might happened to many people during this Covid 19 pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to keep an address that is not and has never been mine on my credit report. I have attempted to dispute starting in XX/XX/XXXX and again via mail on XX/XX/XXXX, and after seeing it still not removed ( SINCE ITS NOT MY ADDRESS AND NEVER HAS BEEN ), i have attempted to use their online portal no less than 6 times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) REMOVE THE XXXX ADDRESS ALREADY!!! ENCLOSED IS DOCUMENTS I'VE ALREADY PROVIDED TO YOU AS PROOF OF ADDRESS MULTIPLE TIMES ALREADY
Product: Credit reporting, credit repair services, or other personal consumer reports

On several attempts Ive tried to contact Equifax to inform them of some inquiries on my credit report I do not recognize. Under the FCRA 604.15 inquiries are only to be pulled for insurance, employment, court order. For this reason, none the these inquiries fall under those circumstances. XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ),  XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX XX/XX/XXXX, XXXX XXXX ( XX/XX/XXXX ). These are not my inquiries and I did not authorized them.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX FL XXXX {$0.00} XXXX  XXXX {$0.00}
Product: Debt collection

XXXX has called me to sue me over a debt from XX/XX/2008. Here in Texas the SOL is 4 years. However, they have failed to give me their location and have refuse to send me anything through mail. They want to collect money from me throughthe phone only. The phone they are calling me from is XXXX. I have recorded every call from them. Person I spoke too supposedly is called XXXX.
Product: Credit reporting or other personal consumer reports

I do not consent to XXXX  verification and I have a right to privacy and these credit agencies are violating my right as a federally protected consumer.
Product: Vehicle loan or lease

They sent it to a lawfirn to garnish 25 % of my paycheck. Didnt tell me about all the extra fees.
Product: Credit reporting or other personal consumer reports

This Statement is to inform you that i have reviewed a copy of my credit report and this complaint is to inform you that you are reporting inaccurate and incomplete credit information. According to Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts that you post of my credit report. I have never been notified of this collection. Under the FCRA 15 U.S.C 1681i all unverified accounts must be promptly deleted. Please don't respond to my request by saying that these accounts have been verified. delete them 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
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance {$330.00} XXXX XXXX Balance {$29000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX