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

I noticed certain accounts on my consumer reports which are fraudulent accounts and i never gave them consent to furnish any information on my consumer reports if i did show me our contract that i have signed with a wet signature that i gave you permission to furnish information on my consumer report please delete these inaccurate and fraudulent accounts from my reports. I have disputed 3 times before and why arent these errors addressed or fixed since you have failed multiple times i need all these accounts deleted i have included all 3 different disputes sent and received by your agents all tracking numbers are going to be provided in the evidence as well. So did you not receive my letters dated XX/XX/XXXX? 

Also dated XX/XX/XXXX? 

Also sent another letter dated XX/XX/XXXX? Did you not receive my letter with all the errors circled in red? I also outlined all the errors and incomplete data that you dont have to furnish this account 100 % accurately so delete the below accounts or i will have to seek legal remedy and i am trying to resolve this outside of litigation / and or arbitration so delete and remove these accounts that are hurting my credit XXXX XXXX numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian tracking numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  tracking numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX
Product: Debt collection

Continuosly/Repeatedly calling my cell phone at work about a debt I have been paying on. I have asked several times to stop.
Product: Credit reporting or other personal consumer reports

XXXX XXXX This account is listed inaccurately amongst all credit bureaus The " Date of Last Activity '' is showing a different date each for XXXX and TransUnion XXXX How was this verified if the dates do not match and are not identical? 

Under 15 U.S.C. 1681i Paragraph ( 5 ) 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. 

This hurting my credit profile and is a violation of my consumer rights. Please delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent Equifax a letter regarding inaccurate items on my credit report. Over 60 days after the first letter I sent Equifax another letter Demanding their response on XX/XX/XXXX. It is Now XX/XX/XXXX Over 80 days have passed since I sent Equifax my initial dispute letter regarding these inaccurate accounts. Section 611 ( a ) states that a failure to investigate these items within 30 days of receiving disputes gives a reason to delete disputed accounts. I have not gotten a response from Equifax in over 80 days. This is unacceptable of the disregard for FCRA Section 611 ( a ). This process has been difficult for me to take my time to write up letters, and Equifax disregards the law and ignores my letters is very stressful. I demand these accounts be deleted under the FCRA due to the inaccuracies and the neglect of federal Law by Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I filled out my information for an application for XXXX XXXX and then canceled without submitting the application. I then got noticed that my XXXX credit was pulled on XX/XX/ and then again on XX/XX/. Please remove these two inquires being reported on XXXX.
Product: Debt collection

I am being contacted by H&R Accounts Collection Company for a medical bill that was settled by the insurance company. I believe this is an attempt to double bill me. H& R Accounts has destroyed my reputation and my credit with their collections tactics.
Product: Credit card

XX/XX/2024 Dear Bank of America, I am responding to your recent message about the {$320.00} fee charged to my account. While I appreciate your thorough review of the transaction history, I must respectfully disagree with your conclusions. First, I would like to point out that Bank of America associates should address the misinformation and disinformation about the fee waiver. Despite being promised by XXXX XXXX that the fee would be waived, I was ultimately charged the {$320.00} fee. Additionally, the coercion and threats made by an unknown agent to participate in a recording to authorize the fee raise serious concerns about the integrity of the transaction. Moreover, I was not adequately informed about the non-negotiable nature of the fee before the promotional offer was processed. This lack of clarity left me under duress and compelled to accept the offer. Given these circumstances, I'm requesting a refund of the {$320.00} fee as a gesture of goodwill and acknowledgment of the mishandling of this matter. I hope Bank of America will reconsider its position and take the appropriate action to address the concerns raised. Thank you for your attention to this matter. Sincerely, XXXX ( XXXX ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an old XXXX account with Equifax and XXXX over a course of two years. The XXXX account has been closed ; however, a balance is reporting on my Equifax report as collections. Equifax has not provided any updated information on the validation of this account. I have requested a validation from XXXX too. To date, I have not received any information regarding this alleged account appearing on my credit report. Furthermore, I received a legal notice that my Equifax credit report has been hacked in 2017. Equifax has not provided any new information on disputes that I have requested or any new updates of the security breach.
Product: Credit reporting

I have asked Equifax to investigate and if not verifiable, delete negative information on my report. I have explain and shown Equifax the mistakes such as re-aged, recent monthly payments on accounts that are closed and they have fail to provide me with validation of accounts from collection agencies. Equifax has only send back a full credit report with updates and claiming validation from furnishers, but all mistakes are visible to the point of showing schedule payments on the on sold accounts.
Product: Credit reporting

I filed a proper dispute with TransUnion on XXXX XXXX XXXX XXXX reported judgments that were never recorded. My credit report is allowed to show ONLY " Judgments of Record. '' I disputed XXXX XXXX XXXX XXXX judgments with TransUnion, sent Certified Mail on XXXX/XXXX/2015, on the grounds just stated. XXXX received my dispute on XXXX/XXXX/2015 according to USPS tracking information. 

My dispute results are dated XXXX/XXXX/2015 where TransUnion states that the results for the judgments are : 1. ) XXXX XXXX XXXX XXXX judgments were deleted 2. ) The remaining item has been updated with new information. 

As there is no such judgment of record XXXX from this Court for this date for this amount from this creditor, I requested the method of verification from TransUnion on XXXX/XXXX/2015 and they received it via USPS Certified Mail on XXXX/XXXX/2015. 

TransUnion failed to respond to my request on the manner of verification so I could address it with the Court XXXX. I sent a subsequent request, on XXXX/XXXX/2015 via USPS certified mail which was received on XXXX/XXXX/2015, requesting deletion of the inaccurate data from my credit report and noting their FCRA violations. 

TransUnion responded on XXXX/XXXX/2015 that my dispute was frivolous and they will not reinvestigate. 

I have checked with my XXXX XXXX XXXX XXXX Court, as well as checked the recorded instruments myself, and there are NO RECORDED JUDGMENTS that exist for me ( proof is attached here ). In my dispute letter, I asked TransUnion to provide Method of Verification if somehow they verified any existence of recorded judgments for me. I received no Method of Verification, and also the XXXX XXXX Court has no way of verifying the " non-existence '' of a recorded document. 

It is clear that TransUnion has not properly investigated this matter within three ( 3 ) short days that it took to read my dispute letter and update my credit file. 

Please note, The XXXX XXXX XXXX XXXX XXXX Court records, indexes and permanently stores ALL recorded judgments with real estate records ( land, deeds, etc ) XXXX. Attached is a printout of the public records system that XXXX XXXX uses to record these documents. Note that this is NOT a list of case files, but actual public records with recorded instrument numbers. 

I have also included a printout from the XXXX XXXX website which shows that this website used to search XXXX XXXX public records XXXX is the valid source to find these documents. 

This list shows all of the public records that exist in my name XXXX, none of which is this ( 1 ) judgment being reported in my credit file. I have also included the letter originally sent to Transunion, the credit report with disputed judgments circled, the USPS tracking showing the timeframe between the dispute being received and the results being sent, and the results of the TransUnion dispute. Please have this judgment removed.
Product: Consumer Loan

Sun Trust is reporting derogatory and inaccurate information on my credit report. The Sun Trust Item on all my credit reports was listed on my Chapter XXXX Bankruptcy Filing dated-XX/XX/2013. Please see attached filing.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed 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
Product: Credit card or prepaid card

My credit score dropped XXXX points ( XXXX down to XXXX XXXX ) due to my Amazon credit card. I purchased an {$800.00} air conditioner to be paid off over the course of 12 months interest free. The shipping company could not get me the AC in a timely manner, so I cancelled the order and was refunded the full amount back the credit card. XXXX XXXX says the score dropped because I spent too much money on the card. This does not take into account what the item was or even that the amount was refunded. This is outrageous. I didn't buy {$800.00} worth of candy bars and shoes. 

I purchased this item XX/XX/2022.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

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

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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

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

I have disputed on numerous occasions factual inaccuracies across all of my credit reports with this company that should have resulted in the account being deleted. In direct violation of Federal law, the company keeps updating the factually disputed inaccuracies when they should have deleted the account. 

Back in XXXX, XXXX XXXX, agreed to settle my debt and remove the account from my credit reports. As of today, they account has not been deleted and remains on my credit report.
Product: Student loan

I am writing to formally dispute my student loans due to a breach of my personal and financial information, which directly violates the Higher Education Act, the Privacy Act of 1974, and the Family Educational Rights and Privacy Act ( FERPA ). It has come to my attention that my private student loan information was accessed, shared, or disclosed without my knowledge or consent, constituting a serious violation of my rights under federal law. 

Specifically, I believe the actions taken by, XXXX XXXX XXXX- including but not limited to XXXX XXXX and/or any associated organization- have compromised my personally identifiable information ( PII ) in a manner that is unlawful and harmful. This breach has placed me at risk of identity theft, financial fraud, and other damages, which are in direct violation of my rights as a borrower. 

Under FERPA and the Privacy Act of 1974, I am entitled to full protection of my educational records, including financial aid and loan information. Any unauthorized disclosure or misuse of such data is a legal violation and calls into question the validity and enforceability of my student loans. Additionally, under the Higher Education Act, loan services and federal agencies are required to maintain strict compliance with borrower rights, a standard that has not been upheld in this case.
Product: Credit reporting, credit repair services, 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. 

XXXX Account # XXXX, has violated my rights XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX  Account # XXXX, has violated my rights XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX Account # XXXX, has violated my rights XXXX Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights XXXX XXXX  XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights XXXX XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without 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 ). States 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: Credit reporting, credit repair services, or other personal consumer reports

Hello, This complaint is against Experian for reporting inaccurate information. I called multiple times : XX/XX/18 and and XX/XX/18 and asked them to remove the dispute comments. THEY CONFIRMED BOTH TIMES THAT THEY REMOVED IT HOWEVER THEY NEVER DID. 

XXXX XXXX XXXX and XXXX XXXX are the accounts with inaccurate info on my report. 
Today I called to see if comments were removed and they STILL have not did this. Please tell these people to do what they supposed to do.
Product: Mortgage

Wells Fargo ( WF ) did not submit payment to my hazard insurance company ( from my escrow account ) in time for the payment to be processed before the due date. I found out about it when I received a written notification from the hazard insurance company notifying me that " my policy expired because they did not receive the minimum payment required to continue coverage ''. I had to spend almost XXXX hours on my cellphone talking first WF, then to the hazard insurer, then again to WF to find out what happened. WF told me they remitted payment on XXXX XXXX ( which is what my escrow acct reflected online ) but the hazard insurer sent me proof the payment was not received and processed until XXXX XXXX ( 20 calendar days later ). WF later admitted they normally remit payment 7-10 business days before the due date ( which was XXXX XXXX ) ; however they were unable to explain why they did not remit payment until XXXX XXXX ( only 6 business days before the XXXX XXXX due date ). The hazard insurer also had no knowledge they should have been billing WF directly, rather than me, the borrower. This is something that WF should have informed the insurer of, especially to ensure the correct mortgagee clause is included on the policy. As an educated person in the financial sector, I expect my mortgage lender to accurately and timely remit payments on my behalf when they require an escrow account.
Product: Debt collection

Debt collector XXXX, as trustee for XXXX XXXX, Asset Back Certificates, Series XXXX ; is attempting to collect on a stale, alleged debt which is more than 3 years past the Statute of Limitations. OCWEN alleging itself to be a mortgage servicer, who is in fact a non bank creditor, is attempting to file suit, to obtain the home of the consumer which was obtained for personal family household uses. Both parties were served a notice of dispute pursuant to the Fair Debt Collections and Practices Act, both parties have either not responded or not properly responded. They have within 5 days of the receipt of this complaint to respond per request of the consumer.
Product: Credit card or prepaid card

On XX/XX/XXXX-XX/XX/2019 I attempted to activate a Capital One credit card that was offered to me via regular mail. When I called the number to activate the link did not work. I called the number at XXXX to activate card only to be told I was speaking to the fraud department. They requested my full social security number and photo copy also, a copy of my Ohio driver 's license front and back, and after all of that, called at XXXX XXXX, XX/XX/2019 requesting a copy of a utility bill for proof of residence which I refused to do. I have credit monitoring which currently shows no suspicious activity related to my private affairs. I now feel this might have been some type of scam and I am very worried. Why would they offer me a card, only to request information that they should already have.
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account is reporting 100 % accurately if you can not provide me with this information in XXXX  days delete this account from my credit report and send me a copy of my updated credit report.
Product: Checking or savings account

My account has current over XXXX of cash. There was a fraud against the account in XXXX and investigation was completed in my favor and the funds were return to my account. 

On XX/XX/year>, I requested to have the account closed but they state because the account has had fraud, it can not closed immediately and I must have 30 to 60 days before the account can be closed. They said the alterative is either travel to closest branch ( which would 2 states away ) or sign some imdenmity form to release the account and I would be alone responsible for any fraud that occurs on the account. 

Citi Reference Number : XXXX
Product: Bank account or service

This complaint regards Chase 's adamant refusal to halt the recurring debits scam -- -- XXXX -- -- XXXX XXXX 2015 {$39.00}, XXXX XXXX 2015 XXXX, XXXX XXXX 2015 XXXX, XXXX XXXX 2015 XXXX, XXXX XXXX 2015 XXXX, XXXX XXXX 2015 XXXX XXXX ( XXXX ) concerted efforts -- -- XXXX ( XXXX ) in person -- -- beginning Monday, XXXX XXXX 2015, in order to halt XXXX recurring debits -- -- especially, to close that specific Chase Freedom card account -- -- NOTHING. Each occasion, I was informed by a Chase account manager that the recurring debits were halted, that Chase Bank would investigate the scam & that Chase would resolve this dispute. Lies.Subsequent to the closing of all Chase accounts & direct deposits, correspondence was received from Chase executive offices, back dated XXXX XXXX 2015 & XXXX XXXX 2015 -- -- addressed to my original address, one year ago.XX/XX/XXXX 2015 My requests to communicate with XXXX president brought XXXX XXXX -- -- XXXX ( XXXX ) telephone calls, regarding Chase debits beginning XXXX XXXX 2015 & no XXXX premium member card, prerequisite for dental services, despite several requests. 
XXXX XXXX 2015 ( a XXXX XXXX XXXX presented me with a bill for estimated dental services -- -- {$3200.00}. ( b ) {$850.00} for XXXX XXXX c XXXX a document for referral to a specialist ( d ) XXXX subsequent Employee 's XXXX XXXX XXXX XXXX XXXX, document. ( e ) The XXXX discounted list covered by premium membership was offhandedly tossed into the nearest wastebasket, paralyzing me with awe! 
XXXX XXXX 2015 I walked around the corner to Chase Bank in order to halt XXXX recurring debits -- -- scam.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!