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

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

I mailed in and disputed online XXXX XXXX XXXX with XXXX, XXXX, and Transunion to reinvestigate the following account : Account name : XXXX XXXX XXXX ; Account # : XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. 

According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 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 an account without my written instructions. 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

XX/XX/XXXX I requested XXXX bank remove my PMI because upon request I received a letter from Chemical Bank telling me I can request it be canceled when I reach 80 % of the original ltv. XXXX told me I was at 81.6 %, the principal reduction amount Id need to be at 80 %, and that I would need to submit another form. In XXXX I made sure I was at 80 % before I submitted the form. 

Two calls and one month later I am being told I need to pay {$150.00} for an internal and external BPO to cancel the PMI because of the type of Fannie Mae loan I have. I was not even aware that my loan was with XXXX, and XXXX who is the servicer never disclosed this requirement to me. Neither did XXXX the original lender who was acquired by chemical bank and then XXXX. I am looking to sell and have a comparative market analysis statement from a realtor showing how the value of my property has increased as most properties in this market have. If I was told I would have to pay {$150.00} at 80 % ltv, I could have paid {$350.00} a couple years ago and got an appraisal showing the value went up and that I was at 80 % of the increased value. Additionally, Im now at 78 % of the original ltv and was told they will not cancel the pmi until XX/XX/XXXX. 

I feel I am being discriminated against and these predatory lending practices should not be allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( Experian, XXXX, and XXXX ) via XXXX certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The account was also deleted from my XXXX credit reports after I disputed the account which showed up on my XXXX credit report several months ago as well, so in order to correct the inconsistencies between the Experian, XXXX, and XXXX credit reports, the account needs to be deleted from the Experian and XXXX XXXX reports tied to my name and social security number. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2019, BALANCE OF {$0.00} CREDITOR : XXXX, ACCOUNT XXXX, OPENED XX/XX/2019, BALANCE OF {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

credit beuarus are refusing to correct inaccurate information such as in quires and also proof of things that should be deletthese companies have not provided any original documents or any contracts bearing my signatures and yet they still reporting and not being held accountable.
Product: Credit card

On XX/XX/XXXX and XX/XX/XXXX I made two payments on my Citi Bank Best Buy card of {$75.00} each, so {$150.00} total. Then on XX/XX/XXXX another {$150.00} payment was made that was not me. That payment was reversed on XX/XX/XXXX, at this point I figured there was a clerical error. Then on XX/XX/XXXX another reversal happened of {$150.00}. I contacted Citi bank several times since then, they have admitted fault and promised resolution 3 times now. First time was in XXXX all over the phone. The second time was in XXXX where they stated that they had issued a refund, but I did not receive it. At that time they requested and I provided my bank statements showing that I did not receive any money from them. The last time I spoke with them was XX/XX/XXXX, where they said it had to go through their fraud department and that it would take 90 days. They did not mention that this would have to go through fraud at any point prior. They admitted at some point they changed my SSN on their records and allowed someone else to handle my account. They even stated that they spoke with that person recently. 
Because of their mess up my credit limit and thus my credit score have been tanked. There is serious mismanagement with how they handle their issues and it is only causing harm to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/ I received a copy of my credit report and there were multiple errors on the report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately.it is saying had one late payment on an account that i in fact paid on time.The consumer reporting agencies need to report all information with complete accuracy.this account has not been late on payments ive attached a copy of my most recent credit report to this complaint on the following dates it was reporting late on experian XX/XX/year>, XXXX deleted the account from my credit profile do to the inaccurately reporting it was reporting late in XX/XX/year>, XXXX is reporting late in XXXX XXXXI was in fact on time during XXXX XXXX  and XXXX XXXXThe consumer reporting agencies need to report all information with complete accuracy.this account has not been late on payments I've attached a copy of my report to this complaint and proof of the XXXX deletion.Im now requesting you investigate and provide verifiable proof with records showing that i had late payments.If this information connot be verified I demand this account be deleted from my credit profile as XXXX removed it or updated to paid on time immediately.Thank you for your understanding and prompt action.Account name : XXXX XXXX Account XXXX
Product: Credit card

This is a chargeback account that being dispute and the merchandise has been returned but the merchant refuses to correct the account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605 ( b ) ( c ) of the Fair Credit Reporting Act. I am a victim of Human Trafficking of Debt Bondage which lead to identity theft and legally having to change my name. I would like for all listed accounts, names, public record and inquires to be blocked and delete company information. Please delete the following accounts, names, public record and inquires : XXXX XXXX ( XXXX XXXX XXXX ) Account # : XXXX Amount : {$7600.00} Date : XX/XX/year>
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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: Checking or savings account

I opened a checking account with KeyBank under promotion of {$300.00} cash offer with a condition that a direct deposit is made from an employer. Today, XX/XX/XXXX, I contacted KeyBank to check the status of the promotion after the direct deposit from my employer is made last Friday. They repeatedly say now they can't access promotions on their system. The call center rep keeps my call on hold for more than 45 mins, and does not transfer my call to her supervisor. 

By the time the call was transferred, I was informed that since the offer states they have until 90 days to push in the promotion, there's nothing they can do to act on it. We are talking about a bank that wouldn't hesitate to charge a fee a minute customer 's within fee charge schedule, but they would like to take their time when the situation is reversed.
Product: Debt collection

The collection agency has filed a collection under my name with the original collections as XXXX XXXX ( an account from XXXX ) for {$460.00} as of XX/XX/XXXX. In XXXX, I filed a police report stating identity theft for this specific account. I filed the claim with the credit bureaus in XXXX. In XXXX, I disputed, the bureaus and police investigated and the collection account was motioned as a FRAUDULENT CHARGE as a product of my identity being stolen. The collection account was removed from my credit report. I have already filed a dispute with the credit bureaus, filed another police report, received the first police report, and filed complaints to the attorney general, FTC, and CFPB for this collection against XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX and they had issue finding the an account as I suspect and did not resolve any of my concerns.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

Accounts for XXXX  are reported incorrectly on my credit report DEPT OF ED/XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX {$1600.00} XXXX {$39000.00} XXXX {$1700.00} XXXX {$2700.00} XXXX {$1300.00}
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to remove some of the data on my credit report, but there are still items that need to be omitted. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 reporting or other personal consumer reports

My account with SELF FINANCIAL/LEAD BA was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX 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 in XXXX to be removed. 

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 21 days before the payment due date. 


XXXX XXXX XXXX  ever Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 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! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over a copy of my report and seen it contained address and accounts that I do not recognize. I am requesting that you promptly update and delete addresses that I never resided and may possibly be family members address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 6 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. 
My current address is XXXX XXXX XXXX, XXXX, IL XXXX pleased delete the following address they are not mine : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX my current and ONLY NUMBER IS ( XXXX ) XXXX I have never even had the following phone numbers please delete remove : ( 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: Checking or savings account

I opened a checking account with HSBC, responding to an offer to get a {$350.00} bonus. More information about the bonus can be found here : XXXX XXXX XXXX I apologize that this link is to a third party, but I no longer have access to the promotion on the HSBC website . The terms described on this website matched those that I saw on the HSBC site. As you can see, the bonus required me to make 2 bill payments in each of 3 months in the first 120 days after account opening. 

HSBC dragged their feet about opening the account, but I received a Welcome to HSBC email on XX/XX/XXXX and I promptly established online access to the account. 

I made two bill payments in XX/XX/XXXX, four in XX/XX/XXXX, four in XX/XX/XXXX, and four in XX/XX/XXXX. I tried to space them to ensure that two would be  before the statement close date each month and two would be after. 

The {$350.00} bonus never posted. On two separate occasions, I asked via online chat about the bonus. In each case, I was promised a review and a decision by mail and email. I never received any decision form HSBC. 

The bank has been non-responsive, and I no further interest in banking with them, but I'm afraid to close the account out of fear that it would then be impossible to get the bonus.
Product: Credit reporting or other personal consumer reports

I have sent in documents that my loan has been forgiven. It took me over one year to speak with a representative. It took another year for XXXX to report that my Department of Education balance has been forgiven. But XXXX has failed to report this information to all three credit bureaus. XXXX is showing closed on my XXXX. I want all three credit bureaus to report the same information.
Product: Debt collection

XXXX says I owe them {$230.00} in XX/XX/2021 and its I C System that is the debt collector. I have never had XXXX services in my life and live in an area where its not even possible to have XXXX. This is the second time this has happened to me and the first time I disputed it and they removed it but a few months later they did it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian : I recently reviewed my credit report and found unauthorized inquiries. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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 The following inquiries are unauthorized : CREDITOR INQUIRY DATE XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

The company failed to address the issues noted in the Consumer Financial Protection Bureau 's complaint ID XXXX. They act as though their explanation, which was simply repeating the statements of the issues themselves, was somehow sufficient to resolve the issues.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX '' and an XXXX agent '' which involve me making deposits for a total amount of XXXX XXXX, XXXX usd from wells forgo account to fraudulent investment firm ( XXXX ).
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of 2022 I was approved for XXXX credit line to purchase a Dell XXXX Laptop. it gave a one year same as cash payment perk. First issue was when they took out two payment without my authorization and made the process so difficult to return my money i just gave up on it. I assumed the credit history would reflect it as a payment ahead. next month showed payment due. Second issue, When first term of 12 months was up apparently they returned entire amount I had already paid to owing it on my principle balance without telling me the date to pay to get it paid in full so no opportunity to make the deadline. I have continued to pay. Then I received information that Comenity Bank was taking over the account. They immediately reported me 30 days late. when I called they said they didn't have my history from Dell Pay so the could not do anything about that extra payment. In a couple of months I will have been paying for this for 3 years. My balance is {$3500.00}! It says if I pay minimum it will take me 41 years to pay this off! I have had issues with the performance of this computer constantly and is the worst computer I have ever owned. Upon researching these computers I am finding that my computers is available for {$1400.00} I was stunned. They talk in circles at both Comenity Bank and DEll Pay. I can not pay this predatory company anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma has the karma guarantee credit cards you can apply for and if you are denied, they have to give you {$50.00}. On XX/XX/XXXX, I was denied and they have not paid me the {$50.00} that they said I would get if I was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurate XXXX XXXX XXXX # XXXX. The Last date of Activity, Payment, Account Type - Detail, Account Status, High Credit and Payment History are all inaccurate and an FCRA violation. Please remove it from my credit report.