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

In accordance with the Fair Credit reporting. Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated that my account was properly investigated but how is it possible that my personal information, including my address, information on multiple accounts, multiple hard credit enquiries, the dates and status last reported are not accurate with the accounts over the period of years since I can remember in XXXX 
This ground for removal they also violated my privacy rights under : 15U.S.C 1681 Section 602 A : states I have the rights to Privacy 15U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Also the credit bureaus took more than XXXX to complete my investigation.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldn't be on my credit/consumer report. 
XXXX  XXXX BANKRUPTCY Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX  XXXX Account Number : XXXX  Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX / XXXX 2022 XXXX XXXX/ XXXX 2022 XXXX XXXX XXXX/ XXXX 2022 XXXX XXXX XXXX XXXX 2022 This are all hard inquiries I did not give permission to look into my account nor check my credit I want it remove from my credit history I did not authorize no company nor 3rd party nor gave consent
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX XXXX, STATE OF MI XXXX XXXX, XXXX, XXXX XXXX ) 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 in ( MONTHS REPORTING LATE ) 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 XXXX, STATE OF MI XXXX XXXX, XXXX, XXXX XXXX ) Never 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: Mortgage

XX/XX/XXXX I called to set up my XX/XX/XXXX mortgage payment, I noticed there was a column " Other Fees Due {$150.00} ''. When speaking with the customer service, the lady informed me she was unable to determine where this fee is coming from, she stated she went all the way through my payment history to XXXX and did not see anything. I do not owe any late charges, NSF Fees, no Legal Fees nothing. 

She did advise me she was putting in a request for the research team to investigate the fee. There is no reason my mortgage company should slap unexplained fees on my mortgage by simply creating a fee bucket.. 

I can't wait XXXX days for a resolution, when they put this fee on my mortgage instantly without any notice to me as the property owner. I want this fee removed from my mortgage immediately..
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I submitted a dispute through XXXX and XXXX regarding the balance of my closed Kikoff account. It shows I owe {$8.00} but I had a check printed and sent directly through my XXXX account to Kikoff. 
XXXX shows the transaction is completed ie Kikoff cashed the check for {$8.00} so the balance should now reflect that the account was paid and I owe nothing, {$0.00}. 
I disputed the amount on my Kikoff account so it would show I no longer owe {$8.00} but Kikoff informed XXXX and XXXX that the account information they had was correct. It is not. 
I dont owe Kikoff {$8.00}. It is paid in full.
Product: Debt collection

Robocalls are constantly being recorded on my machine. I do not know why ( nor how ) I got on this 'list ', but I have no debt, and nothing to say at this time. All my bills are paid in full.
Product: Credit card or prepaid card

I'm XXXX XXXX XXXX, I currently receive XXXX benefits through my XXXX XXXX Debit Card. On XX/XX/2023, I visited the US Bank at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, ( XXXX ) XXXX and withdrew {$900.00} from my XXXX XXXX Card, however as I was opening my purse and I reached to take the money from the ATM, the ATM took my money back because I was too slow with grabbing it. I spoke with the US Bank teller, and she informed me there's nothing they can do to get my money out of the ATM. I also spoke with my XXXX XXXX XXXX XXXX customer service department they said they will add a dispute, but I still do not see my {$900.00} credited back to my Debit Card. I would like to be sure that the US Bank is accountable for not assisting me and would like a return of my {$900.00} back to my XXXX XXXX XXXX XXXX. 

I need the funds to buy my groceries and pay my rent. I would appreciate any help you can provide me.
Product: Credit reporting

Equifax said I had delinquency on my report. They also had a wrong score. Everything they told me was wrong, and I was denied a credit card because of it.
Product: Student loan

This company has repeatedly been negligent with customer service matters. Recently, I submitted an inquiry about my bill through the online customer service portal and did not receive a response at all. I waited for two weeks and ultimately had to call customer service because they never responded to my original inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX l has violated my rights. Under 15 U.S.C 1692 b ( 2 ) ; Under 15 U.S.C 1692 b ( 5 ) and Under 15 U.S.C 1692 c ( a ). Also 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.

Experian Credit bureau is currently reporting inaccurate information on my report such as multiple inaccurate names and addresses that are not mine, account status shows Date Opened is inaccurate, Date of Last Activity is inaccurate and missing data. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Experian is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. '' 1. Please DELETE inaccurate or fraudulent names off my credit report below XXXX XXXX 2. I have been a homeowner for over 20 years. Please remove all incorrect or fraudulent ( X ) addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate
Product: Credit reporting 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.

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 ) 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 or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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.

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 ) ( a ) 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 card

I closed my American Express Platinum card in XXXX or XXXX of XXXX, with a XXXX balance and no interest. I confirmed the closure with a customer service representative at the time of closure. Afterward, the card was removed from my online account and smartphone app, leaving me without access to past statements or charge details. 

Despite confirming the account was closed, recurring charges have continued to post without notificationonly surfacing by threatening alerts from American Express only when becoming overdue. I have paid these charges each time and was reassured by customer service that the account was closed and recurring billing disabled. 

It is now XX/XX/year>, and I continue to receive monthly charges on this purportedly closed account. The charges are not visible online, yet I receive overdue notices. Although I have paid promptly, I no longer receive alerts about late payments, and my credit report has been negatively impacted by a late fee that I had no way of seeing or addressing.
Product: Debt collection

A collection for {$930.00} ( original {$700.00} ) popped up on my credit report on XX/XX/22. The creditor is Wakefield & Associates with the original being XXXX XXXX. I do not now nor have I ever owed XXXX XXXX {$700.00} or {$930.00}. I have disputed this twice via XXXX and I am waiting on XXXX dispute process. They have provided zero proof that it is in-fact my debt, and I have not previously received ANY correspondence regarding this debt by mail, phone, email, messenger pigeon , smoke signal or otherwise. It just showed up on Sunday. As if to say surprise! You owe us because we bought a debt you never owed but someone said you did and we dont care so well ruin your hard earned credit and attempt to extort and steal your money. The burden of proof falls on them.

Plot Twist : My now deceased father - who died shortly after the time that this debt originated- was a Grade A XXXX XXXX XXXX  that had a love of using my name and social security number whenever he saw it convenient for his own purposes and was constantly in and out of the hospital due to his failing health, drug abuse, and compounding poor decisions. Including countless ambulance transports. I spent years cleaning my credit up because of his dumpster fire of a life. A simple public search will reveal his and consequently my aliases as one anothers names. BECAUSE of him. Its something Ive fought for most of my adult life. And I refuse to pay for his mistakes, his garbage, and his decisions. This is abuse, extortion, theft, and a number of other abhorrent practices that Id be more than happy to elaborate on when given the opportunity to in a court. It is beyond predatory because there is no real way for me to prove that its not mine because it never existed for me. There was no documentation. Which would make sense BECAUSE ITS NOT MINE. So why would I have documentation of any kind for a surprise negative remark for a collection that doesnt belong to me.
Product: Credit reporting or other personal consumer reports

I checked my consumer report regarding the XXXX and XXXX today of XX/XX/year> and noticed a credit reporting agency reported on my credit without my written instruction. I gave them refusal to pay and no written instruction to furnish my credit report using my information. This is the second time after it has already been removed. Nothing is supposed to be on my credit report as the The law states 1692 I have the right to refuse payment on things that shouldnt be on my consumer report but being as they assumed a vital role and congress has set certain laws in place I would like to send over a 1099 oid also the form 56 and 1099 oid ab also the 1040 and the 8281 as they are now banned from calling me or faxing me I am also sending them over a true bill under title 15 and they have now violated title 15 as if they are above congress and under title 15 you violate me any further I can sue you as I dont not owe third party debt collectors anything XXXX law 4 edition title 1692 as what I thought was loans where actually deposits 15usc 1692 c ( c ) 1692 ( a ) and ( b ) 1692a ( 1-4 ) Please 1692f also states false representation.im also sending a tire bill immediately if this isnt resolved asap. Delete and remove immediately and follow the laws set in place by congress I have sent over a true bill and would like a resolution asap. I shouldnt have to wait to move forward in life do to your negligence. Remove account.
Product: Debt collection

Citizens Bank has been knowingly infringing upon my right to privacy by sharing my information with third parties when I NEVER gave them permissible purpose to do so. The accounts in dispute are a result of identity theft. These accounts do not belong to me, but were verified. It is impossible to verify these accounts on my behalf because I am the original creditor and consumer and I'm the only person who could verify any debt. Also, debt means any alleged obligation and we all know pursuant to 18 usc 8 all obligations are securities of the United States. I need to you to cease and desist all collection efforts or else I will be forced to litigate. You are criminally and civilly liable for infringing on my consumer rights pursuant to 15 usc 1611, 15 usc 1640, and 15 usc 1692k.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had XXXX XXXX account for quite some time and always made on time payments. Com to find out last payment was made a few days ago and account closed right after and my credit score dropped about 50 something points. I don't understand because i clearly was building credit history for then this to happen. It clearly doesn't make any sense. Ive been making on time payments ever since.l and to just lose points after finishing paying the account is just not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. 

XXXX XXXX : Account # XXXX XXXX  XXXX : Account # XXXX XXXX XXXX  : Account # XXXX Account # XXXX XXXX  : Account # XXXX XXXXXXXX XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX XXXX  : Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Failed to Respond to my dispute after 2 requests have been made. 

On XX/XX/XXXX- I made an online dispute of 2 items on my credit report -which are really hindering my credit hence my future. I received no response. 

Secondly on XX/XX/XXXX - I wrote transUnion via certified mail return receipt- regarding their failure to respond within the required 37 days as stipulated under section 15 U.S.C.

1681i ( a ) ( 1 ) ( A ) & ( 3 ) ( B ) of the FCRA. Yet again I received no response. 

TransUnion-has been unresponsive to both attempts, it has now been over 3 months from the original dispute. 
Attached please find copies of the corresponding documentation.
Product: Mortgage

The Branch Manager at Acre Mortgage was very unprofessional with my home buying process. He never communicated any information to myself or my realtor other than my application was in underwriting and that was 2 weeks ago. I was set to close on XXXX XXXX but had to request an extension for XXXX XXXX due to XXXX XXXX not starting the paperwork until XXXX XXXX even though my contract had been pending since XXXX XXXX. We had to contact the corporate office twice because XXXX would never return our calls to provide a status of the loan. Now today is XXXX XXXX the potential closing and XXXX XXXX still has not contacted anybody about the status of my loan. He gave me the run around for 60 days when I could have potentially been dealing with another lender. The title company, realtor, and myself are beyond disappointed in the way this branch manager handled us.
Product: Payday loan, title loan, or personal loan

I was advertised to on XXXX for a pre-approved personal loan from regions bank. I applied for the loan from regions bank who did a hard credit check and was then denied the loan. I complained to regions bank who refused to reverse the decision or remove the hard credit check from my credit report lowering my credit score and making it harder to get future credit as well as raising the price I had to pay for future credit.
Product: Bank account or service

I am trying to track the person who cashed a check from my Chase Bank account. The person 's bank account number or bank information is NOT on the check. Chase Bank refuses to open a fraud investigation with the bank where the check was presented, They are engaging in fraud and negligence. Instead of them reading these complaints, they have auto-replies. They have not replied with the information needed to determine who cashed the check. They simply are reading the name on the FRONT of the check, not the back. Well, these complaints will keep coming until they open a fraud investigation. I went into Chase bank and requested them to open an investigation. I was told to open a police report. My response was I ca n't open a police investigation until I know who cashed the check. I contacted XXXX and was told that the numbers on the back of the cleared check DO NOT BELONG TO AN ACCOUNT WITH THEM, Chase Bank is grossly negligent and unprofessional. These complaints will NOT cease until they open an investigation with the bank where the check was cashed because Chase Bank is responsible for knowing who they give money to from customers accounts.