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

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian on XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

UNLAWFUL REPORT OF LATE PAYMENTS To Whom This May Concern, I have a credit account with KICKOFF LENDING LLC that is reporting four late payments in month XX/XX/2022 through XX/XX/2022. I am requesting these four late payments be changed to fix because the reporting of these late payments are not supposed to appear on a consumers report. According to 15 U.S. Code 1681a 2 ( A ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I am also notifying this credit reporting agency that it is prohibited to report information with actual knowledge of errors, according to 15 U.S. Code 1681 s-2. This is unlawful and my four late payments need to be immediately adjusted to OK as the duty of data furnishers is to provide accurate information.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION FACTUAL DATA XX/XX/XXXX has violated my rights. 

EQUIFAX FCTUALDATA XX/XX/XXXX has violated my rights. 

EXPERIAN FACTUAL DATA XX/XX/XXXX has violated my rights. 

I looked at my transunion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, MI, XXXX Employer - XXXX XXXX Employer - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged 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 XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX - XXXX Listed XXXX XXXX the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Checking or savings account

While in Florida on vacation I was arrested. While XXXX  ( XXXX / XXXX ) with no access to my devices or my wallet, my online banking password was reset and several unauthorized transactions were made. I went in to the bank and notified them and was given a temporary credit while they investigated. I was later told the investigation did not go in my favor and Chase would be reversing all credits and transactions unless I submitted more proof to prove my claim. I have submitted proof of my incarceration to Chase Bank and was told to contact the companies that the transactions were made with and my case would not be reopened. The companies are XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX. XXXX XXXX sent an email saying my card could have been used on another account not related to mine. I have no business or accounts with the other two companies. I sent Chase this email and they still refused to assist with recovering the stolen funds. The other companies don't have working phone numbers. Chase has again asked me to contact the companies to try and recover my funds. On XXXX, Chase has contacted me with the recovery department asking if I have the money to make my account current. I notified the recovery about the current issue and was sent back to the fraud investigation department. I was told my case would not be opened and the customer service reps refused to give me last names or numbers to help identify who I was speaking to. I was told it is recorded on their end in their records.

I have two Chase Bank accounts and both have a total negative value of XXXX XXXX can see that the transactions have nothing to do with me but refuse to give me account names that my card was added to. 

I have no business with XXXX or XXXX XXXX XXXX. I don't gamble and hope you have a way to contact them.

This whole experience has been extremely disappointing and frustrating. I am disappointed that Chase Bank did not protect me as a consumer and refusing to help me after the fraud is throwing salt in the wound.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Experian of a fraudulent XXXX XXXX credit card account that has appeared on my credit report. I was told to upload a full Copy of a police report, Copy of my ID, SSN and Experian will delete said fraudulent account.

But shortly after uploading documents Experian refused to delete said account. They sent me an email indicating the following " The provided police report does not contain required information, such as matching consumer name, case number, location of where the police report was filed or date the police report was filed. '' This is not true. The police report i submitted has all of the suggested deficiencies. Experian is breaching The Fair Credit Reporting Act by not removing an inaccuracy 's from my report. I have attached the police report and a copy of Experains response as proof of their negligence.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

During XXXX, i was XXXX and and my mail and credit data was stolen. I reached out to XXXX and police reports. The account # Visa ending in XXXX was not removed from Experian and XXXX  and was removed from XXXX. After nearly 3 years of trying to remove this single item from my reports I contacted XXXX and informed them i didtnt open this account and suspected it to be my ex wife or someone with access to my account or info. I paid the balance hoping this would resolve the issue. XXXX is reporting that they never recieved payment and have listed late payments and degratory info to the credit reporting which is 100 false. They have not provided that is was fraud and even further I assisted in tryign to pay the settle balance of the account. 

I XXXX XXXX am submitting this I have enclosed my ID, and address information
Product: Credit card

I started my accounts with XXXX XXXX XXXX XXXX  in XXXX and had checking, saving, credit card, and the Line Of Credit ( LOC ) accounts. 
My LOC had a limit of {$40000.00} with interest rate of XXXX XXXX XXXX 
In XX/XX/XXXX I received a notice from US Bank increasing my LOC interest to Prime + 2.99 %. On XX/XX/XXXX again I received another notice that they intend to increase my interest rate to Prime + 8.74 % effective XXXX 
After my call on XXXX  using my Opt Out option US Bank confirmed on XX/XX/XXXX that my LOC was cancelled and the interest rate would stay the same until my LOC balance of about {$29000.00} is paid off. 
Since then I have paid my minimum payments as direct withdraw from my account and my recent LOC balance is about {$5000.00} and the interest charged is 11.49 %. Withdraws from my US Bank and later XXXX XXXX accounts have been executed few days before due date and never been late or defaulted. In spite of my credit rating of XXXX, US Bank ( during Covid19 period ) without proper notice cancelled my credit card and checking account, and later I closed my US Bank saving account and had the payments made directly from my XXXX XXXX account. 
Thank you in advance for your consideration and help.
Product: Credit reporting or other personal consumer reports

i inquired about a loan with one company for a pre-approval with no impact to my credit, only a soft pull is what I was told then got an alert XXXX  days later that there were XXXX new inquiries on my credit I gave none of these companies any written or verbal consent to run my credit.
Product: Debt collection

Attempted to contact Me at my brothers job stating they are collecting a debt for child support and after further investigation by myself and phone calls I had found out that was untrue sentery credit and XXXX XXXX XXXX constantly harrass my mother and brother also when I contact them they are extreamly rude and refuse to send me copys of what ever debt they say I owe I have been trying to dispute this with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX submitting yet another CFPB Complaint to request that the Credit Bureaus update the disputed acounts reporting erroneous information on my Credit File! The Credit Bureuas are required to correct the disputed accounts under the provisions of the Fair Credit reporting Act. I took my time and carefully analyzed my Credit File and realized that despite the countless Dispute letters as well as CFPB complaints submitted, the Credit Bureaus have not corrected my Crediet File at all! I am submitting this CFPB complaint to request that the Credit Bureaus remove the late payment s from the payment history of the disputed accounts. I always make my payments on time I never missed a payment! Please correct the following accounts on my Credit File : XXXX XXXXXXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$680.00} XXXX  XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$2000.00} XXXX XXXX  XXX Opened XXXX XXXX, XXXX Balance {$20000.00}
Product: Vehicle loan or lease

After missing one payment in XX/XX/XXXX, and making two payments on XX/XX/XXXX, in the amount of {$290.00}, the second payment was NOT counted as a payment. Late fees accumulated. 

My subsequent payment on XX/XX/XXXX was ALSO not counted as a payment, and I have been assessed late fees even though it was made at a time when the account was not in arrears. 53 Bank   is refusing to handle this or apply my payments correctly. Their online system does not give a user the ability to designate payments, does not notify users how it designates payments, and there are no statements or alerts whatsoever. This product is clearly designed to chisel people with late fees and is predicated on dishonesty. I want everyone to know that 53 Bank is terrible regarding the basics like accepting payments. All you have to do is miss one payment, and then they have you.

Vile, filthy and disgusting people at 53 Bank.
Product: Mortgage

In XX/XX/XXXX, I refinanced my mortgage with XXXX XXXX XXXX XXXX ( now XXXX XXXX ). They sold my mortgage to Dovenmuehle Mortgage Inc. in XX/XX/XXXX. My first payment to the new mortgage company was made in XX/XX/XXXX, and that payment, as well as all subsequent payments, included {$370.00} for an escrow account to pay property taxes and hazard insurance. My most recent escrow analysis, dated XX/XX/XXXX, includes a line item for property taxes in the amount of {$1600.00} to have been paid in XX/XX/XXXX. That never happened, and I was not aware until I had my income taxes prepared in XX/XX/XXXX. Upon learning of Dovenmuehle 's negligence, I began contacting the company 's customer service department. As a customer service rep could not assist me, I was transferred to a supervisor who stated that the company initiated a work order in XX/XX/XXXX to investigate why my taxes were not paid. The work order expired without any action being taken. It was not until I began contacting the company in XX/XX/XXXX that a new work order was requested. Again that work order expired. We are now on the third work order, and still there is no resolution. In the interim, the treasurer for my county has threatened to sale my home on XX/XX/XXXX if the taxes and penalty and are not paid in full. I have requested that Dovenmuehle cancel my escrow account and refund me all of the money in the account so that I can take responsibility for paying my taxes and insurance. Time is ticking, and I still can not get a straight answer from the company. The mortgage company has assigned a specialist to assist me in this matter, but I can not establish contact with the individual. The specialist sent me an email from a generic account, and when I call the phone number provided, it goes to voicemail. Now the voicemail box is full.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXXXXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

- I opened this card in XXXX, I had to pay {$500.00} to open it as a secured credit card and my limit was {$500.00}. My limit has never gone up because it's a secured card. 

- I have called suncoast repeatedly, about every two years, to confirm this information is correct and I will get my deposit back, because financially, I need it back. They have ALWAYS confirmed it. 

- Sometime in XXXX my card expired and SC sent me a new one. I remember because I got multiple closed cards added to my account because SC kept sending cards to the wrong address, which still impacts my credit score to this day. This new card was a starter card - Suncoast switched my secured card out for a starter card. I called to confirm I would still get the deposit back, and on the phone they told me that I would still get my deposit back. 

- XX/XX/XXXX, I sit patiently on phone for the SC employee to tell me that I don't have a secured card I have a starter card. He goes through everything and says actually I see it here, you did have a secured card, we're processing the change now, ( I have to shift to a normal credit card to get my deposit back which was fine cause that's what I was told ) he says the {$500.00} will be in my account monday. 

- XX/XX/XXXX, I call again because the money is not there. I sit patiently on phone for the SC employee to tell me that I don't have a secured card, I have a starter card. She goes through everything and transfers me to lending. The woman at lending says actually I see it here, you did have a secured card, we're processing the change now, she says the {$500.00} will be in my account in about a week, her reasoning was that he just gave me a bad estimate. She even mentioned that she can see the {$500.00} processing into my account, so just give it a few more days. 

- XX/XX/XXXX, this is now the exact excuse they're using, that I never had a secured card, only a starter card. Even though as early as XXXX that wasn't the story, and I was getting my money back. The woman on the phone even claimed that I can go find this information, even though I have screenshots proving that I can't see past XXXX anywhere. She told me that was fine because they were sending me my documents, they didn't. I just checked my mailbox. 

It is clear that I have worked patiently for suncoast to get this money, or even my credit card records back, They have refused me about 4-5 times - as reflected in my call logs with Suncoast.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting act XXXX  Account # XXXX, and XXXX has violated my rights. 

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

A new law took effect in XXXX  stating that medical collection accounts under {$500.00} could not be listed on credit reports any longer. I have a medical collection on my Equifax credit report for {$61.00} from a collection agency named : XXXX Collections. As per the new law stated above, I have the right to request this medical collection to be deleted from my Equifax credit report. I have request for this to be done, but Equifax refuses to delete this medical collection. I would like to have the CFPB to force Equifax to delete this medical collection as per the new law. Thank you.
Product: Debt collection

Good Day! On XX/XX/2022 I received a call from several numbers stating to be a XXXX XXXX XXXX called " XXXX XXXX ''. They said they were in contact because someone bought " Wells Fargo Collection '' accounts and was looking to serve me in court for bank fraud. Sadly, I should have known better as I pay all my bills, but this debt was over 10 years ago and I did have a charge-off account with Wells Fargo in the past. However, I did pay this debt, but someone how this company claimed I owed {$800.00} but was willing to do a SIF ( Settlement ) of {$500.00} to avoid court fees and possibly being served, so I obliged. Thereafter, I had to key in online from a link in the email from XXXX to provide my authorization using my last 4 digits of social and then I received a receipt with debt showing paid. After, reviewing the email confirmation something didn't sit right so I did some digging. It appears this company I paid {$500.00} to is a scam and now I'm worried that I may become a victim of identity theft. The email was XXXX. Address : XXXX XXXX XXXX XXXX. XXXX XXXX, GA XXXX. Tel : XXXX, XXXX, XXXX, XXXX Business listed as XXXX XXXX XXXXXXXX XXXX. Beware as these people were able to verify my past address and my most recent address, and I have only been at my current address for less than a year. They knew account numbers and knew the right amount of information to provide to sound legit. They even knew the date and years of my charged-off accounts. Very scary. I have already frozen all of my credit reporting and accounts to avoid further damage, and hopefully addressing this early will avoid further scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.