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

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were late payments showing on my report and these report is misleading and suspicious and was never late. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of 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. 

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit reporting or other personal consumer reports

i recently reviewed my credit report and i seen there were card accounts and noticed XXXX credit card accounts and a loan account : matco tools i did not apply for or authorize and hard inquiries which violate my rights under 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer information regarding ; except as provided in section 15 USC 1681g ( 2 ) ( 5 ) of title, a consumer reporting agency shall not furnish ti any person a record of inquiries in collection with a credit or insurance transaction that is not initiated by consumer
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX sent a incorrect credit file to my credit report resulting in damage to my credit score ( inaccurate late payments and other information ) I have never been late and have the statements to prove it ( XXXX  is XXXX credit card ) They have not corrected the issue Transunion has not corrected the issue Neither have the other credit bureaus Even with sending in evidence including my credit card statements and a email stating they sent the wrong file they sided with a incorrect report even with the evidence The companies are not investigating properly causing damage to my credit report
Product: Checking or savings account

On XX/XX/XXXX I received a called from Chase of a fraudulent transaction on XXXX. I logged into my account and saw the transaction prior to Chase denying the transfer. The scammers had me transfer {$4000.00} and I realized it was a scam. I called Chase and asked to deny the transfer since someone had hacked into my account. They said they would try. I received a letter from Chase on 12, 30 that request was denied. I believe they should have been able to stop the transfer since I called in less than a hour.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found a copy of my credit report from  XXXX . This is the year I filed the medical malpractice law sue. My date of birth have been changed to  XX/XX/XXXX . My employers shows  XXXX ,  XXXX ,   XXXX   XXXX   XXXX   That year my address was   XXXX   XXXX   XXXX    XXXX  TN  XXXX . Reported XX/XX/XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  TN  XXXX , reported  XX/XX/XXXX .   XXXX   XXXX    XXXX  TN  XXXX . Reported  XX/XX/XXXX . I was discharged from wage earner  XX/XX/XXXX Case number  XXXX . I filed bankruptcy in  XXXX  case number  XXXX . There was a judgement in  XXXX , that number was  XXXX . I am formerly known as   XXXX   XXXX   XXXX  , aka   XXXX   XXXX   XXXX  , aka   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE AND DEMAND Equafax is reporting erroneous information. The information that has been reported is for a commercial loan and should not be in my personal Equafax is the only agency reporting the erroneous information. Equafax needs to remove it and delete it immediately there is liability that could be repairable.
Product: Money transfer, virtual currency, or money service

There have been XXXX money orders that had been placed in XXXX of XXXX. Each order is {$1500.00} making the total amount lost amount of {$4500.00}. The date of availability was XX/XX/XXXX but the recipient wasn't able to collect the money due to the company going out of business. We called the company Sigue Corporation for a refund of the amount that was sent but the check never got to me or the other individuals that placed orders. It's been months that had past since the request was made for the refund was placed.
Product: Bank account or service

XX/XX/XXXX I mailed out a check for {$890.00} to XXXX XXXX who is my landlord. This check was for my rent. XX/XX/2015 I noticed the check was cashed against my account. XX/XX/2015 My landlord called me and stated she still had not received the check. I then went to chase bank and they printed out the check for me. The signature on the back of the check was signed XXXX XXXX. I filed a claim with chase bank XX/XX/2015 stating I did not give XXXX XXXX permission to cash my check. The claims department stated they did not receive my claim and I had to go back to the bank 3 times to resend it. They finally received the claim XX/XX/2015. I called Chase claims department to check on the claim and they stated the claim was approved and I should have the money in my account 3-7 business days. On the 6th business day I called again to check on when I was getting my money and I was told the claim was n't approved it was actually denied. chase then told me they got XXXX XXXX XXXX to reopen the claim and it should be completed within 30 days. I then received a call from XXXX XXXX from the XXXX XXXX station where I currently live. He told me the cops found XXXX XXXX XXXX in possession of my mail and about XXXX other victims. He then asked if I wrote a check to XXXX XXXX for {$890.00} and I told him yes. He said that this suspect by the name of XXXX XXXX XXXX was arrested for fraud and that they had the suspect who stole my check and gave me a police report number. The report number is XXXX. I then called chase and gave them the police report information. I was then told XX/XX/2015 that chase sent XXXX XXXX XXXX a demand letter. XX/XX/2015 chase did a follow up with XXXX XXXX XXXX and XXXX XXXX XXXX stated an expected date of completion would be XX/XX/2015 XX/XX/2015 chase informed me they closed the claim due it being beyond the 120 days that they had to work on this claim. I called XXXX XXXX XXXX and all they would tell me is that they denied the claim with chase. If this matter is not resolved I am going to follow through with a lawyer and sue for this amount plus more. This has cause me to have to move and put a lot of XXXX on me after I gave birth to my son.
Product: Credit card or prepaid card

Regarding Synchrony Care Credit Account : I havent used for years. They added a added fee to each month from anywhere between $ XXXX each month. I have made all my payments on time. 

Since XX/XX/XXXX I have paid a total of XXXX as of XX/XX/XXXX. My balance is still over XXXX according to a XXXX search, They add a XXXX fee for every {$100.00} buck according to info online. I've paid over {$2000.00} in the last year and my balance has hardly decreased. I am unsure how much that I was charged and when it started. I have never authorization that type of insurance because, I have a stable job that is salary and make over XXXX a year. 

I want to find out when these charges started and I want a full refund of all the payments because this insurance was NEVER authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I found out that my personal information was compromised due to a data breach that affected Equifax over a month ago. Since then, I have been taking precautions, one of which is to freeze my credit. It is ridiculous that a company which I never interacted with is affecting me financially and that I have to pay for every credit bureau in order to protect my credit. In addition to this, to be able to check whether my information was compromised, I had to complete an arbitration clause that excuses accountability from Equifax.
Product: Debt collection

The alleged debt is included in my bankruptcy. Columbia dba Genesis know this and responded in complaint XXXX that they updated their records and removed it from credit report. They turned around and reported it back to credit report as correct and valid.
Product: Mortgage

We received emails, letters, and phone calls. We were required to fill out actual papers to return in the mail and uploaded documents electronically. Unfortunately, our rep kept asking for information already submitted which lead to confusion if anything was really needed. We did finally figure out that our multiple year tax returns ( labeled as such ) was only for one year, which would not have been a problem to upload the correct documents as it was easily accessible. The main problem is that the rep advised my husband 's contract was a requirement. I spoke with the rep and rep 's supervisor advising that we are unable to get his contract as it was still being reviewed by their lawyers. As of date, we still have not received his contract. USAA would not give an extension on the dates as they stated the dates given were a state requirement. Please advise if this is accurate or not. We asked if there were alternatives, which we provided as requested contact information to verify employment over the phone also advising it was changing to a month to month contract, but this did not suffice. I want to see if this was handled correctly. I am upset that the process left us confused on something that should have been a simple enough process in saving us lots of money at a time that rates were at an all time low. Please note that a letter was sent with the date the material was due, however, it also stated required documents which were already uploaded. I took the whole document to be inaccurate, as I was told over the phone that a yes or no answer was needed to refinance or not by XX/XX/XXXX and close out with refinance where both signatures were needed by XX/XX/XXXX. The dates contradicted one another. Also, from a customer service point of view, the rep was passive aggressive in calling the night before deadline around XXXX - XXXX CST. I reached out to the supervisor due to above and being told to keep uploading documents already in the file without the rep looking at everything. This is when we figured out what was actually needed. USAA, in our eyes, had enough information to make a decision or could have suggested a better valid alternative. Last complaint is that I had to figure out where the savings were rather than USAA advising these tips and this is what the rep and supervisor do for a living versus 1st time refinancer ... or attempted refinancer. One of these savings has expired due to USAA being unable to render a decision.
Product: Credit reporting or other personal consumer reports

I sent them a letter on XXXX requesting my full file disclosure per 15 USC 1681g ( a ) ( 1 ) and they never responded. I also requested to opt out, freeze their account and set up a fraud alert and they have ignored me.

FULL FILE DISCLOSURE REQUEST PURSUANT TO 15 US CODE 1681g ( a ) ( 1 ) XXXX XXXX c/o XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX Washington XXXX XX/XX/2023 Sent via US Mail NCTUE Disclosure Reports XXXX XXXX XXXX XXXX, GA XXXX To Whom it May Concern : I am writing to request that you send me EVERYTHING in my consumer file at NCTUE and any of NCTUEs subsidiaries and stored by any of its subsidiaries or any other entities maintaining data on behalf of NCTUE and its subsidiaries as of the date that you receive this notice regardless of the location it stored and how ; pursuant to 15 UC Code 1681g ( a ) ( 1 ). Please black out the first five ( 5 ) digits of my social security account number in all correspondence you send me to safeguard my privacy.

I am requesting the following additional items be sent to me in the same package : Pursuant to 15 UCS 1681g ( a ) ( 2 ), all sources of information in my consumer file at NCTUE and any of its subsidiaries.

Pursuant to 15 UCS 1681g ( a ) ( 3 ) ( A ), the identification of each person/company that procured a consumer report with my information from NCTUE and any of its subsidiaries.

Pursuant to 15 UCS 1681g ( a ) ( 3 ) ( B ), the name, trader name, address, telephone number, email of each person identified under 15 USC 1681g ( a ) ( 3 ) ( A ).

Pursuant to 15 UCS 1681g ( a ) ( 4 ), the dates, original payees, and amounts of any checks in my consumer file at NCTUE and any of its subsidiaries used to adversely characterize me.

Pursuant to 15 UCS 1681g ( a ) ( 5 ), a record of all inquiries received by NCTUE and any of its subsidiaries in the past one ( 1 ) year preceding the receipt of this request that identified me in connection with a credit or insurance transaction that I did not initiate.

This is a request for my full file disclosure to include all obsolete and archived information on me as permitted by the Fair Credit Reporting Act. This is my first full file disclosure report request for this calendar year from NCTUE and any of its subsidiaries. I am NOT requesting a copy of my credit report.

I trust that you will take this matter seriously and resolve it in a fair and expedient manner, but not later than 15 days from receipt of this request. I look forward to your immediate action and a prompt resolution.

I am freezing any account you have opened in my name, please add a fraud alert and I am opting out per 15 USC 6802. You or any of your affiliates do not have my permission to disclosure, share or report anything about me or any account. 

Sincerely, XXXX XXXX Enclosed please find a copy of my drivers license, SSN card, and my utility bill for the purpose of verifying my identity and nothing more.
Product: Credit reporting or other personal consumer reports

Hello, recently I looked over my credit report and I noticed several inaccuracies on my credit report. This inaccurate account is hurting my ability to obtain good credit. I understand that you investigate these inaccurate items to ensure accuracy. 

Here is the item Im asking you to verify as accurate. 

XXXX XXXX XXXX
Product: Credit card

Citi IdentityMonitor reference number XXXX ACCOUNT ENDIN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Product: Credit reporting or other personal consumer reports

I HAVE ASKED ON SEVERAL OCCASSIONS FOR THE INQUIRES TO BE REMOVED ASAP, I DIDNT AUTHORIZED NOR DID I HAVE ANY CREDIT, LOANS. XXXX PERTAINING TO ANY OF INQUIRIES LISTED ON MY CREDIT REPORT : : : : : XXXX XXXX XXXX XXXX VIA DEALER Date of request XXXX Account name XXXXXXXX XXXX Date of request XXXX Account name XXXX XXXXXXXX XXXX XXXX XXXX  XXXX  Date of request XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX Date of request XXXX Account name XXXX XXXX XXXX Date of request 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS.
Product: Student loan

I signed up on the studentaid.gov website for a lower payment and during this time there is a temporary way of self verifying your income on a document because of new rules to help with student loans. The company Nelnet is not abiding by the current rules which allow that. Also they're charging me a higher interest rate than the zero percent that's stated on my account on the studentaid.gov website. Also they don't answer the phone. I tried calling and was on hold for over an hour and a half and finally gave up. So you can never get anyone on the phone. Instead of allowing the self certification of income they keep mailing me the letter that I've uploaded. I don't work a normal job and have sporadic self employment income so I don't have the verifications they're asking for which is why the education department made the income self certification possible, for situations like mine which Nelnet is not accepting as they should.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am supposed to have a security freeze on my credit file in which when my credit is ran I am supposed to be contacted by the credit bureau. I now have multiple inquiries on my report that I was not notified about. I have contacted XXXX, equifax, and XXXX as well as the creditors who ran my credit asking that these inquiries be removed from my credit report. They have not been removed at this time.
Product: Credit card or prepaid card

On XX/XX/2021, I requested that chime close the credit builder account immediately. I made the request via chat agent 3 times and then also on the phone. The account is still open and they continue to refuse to close the account.
Product: Mortgage

Worked with a counselor found through XXXX ( from XXXX ). She was great. I explained that I had lost my job and that I wanted to see what I could do to not lose my home due to my loss of income. We spoke with Ditech, my mortgage company, and they suggested I fill out and send them XXXX things : a Request for Mortgage Assistance form and a XXXX. I did. Today I finally got through to someone to check on the status and was told that I was denied assistance because I was n't in danger of default. My unemployment income is half of what I was making, and I was barely making ends meet before losing my job. So now I have to file an appeal with more supporting documents, even though they could n't tell me what those documents might be. I 'm trying to get out in front of this thing BEFORE I miss a payment, but they seem only willing to help if I 'm already in trouble. I 've read about companies doing this sort of thing -- denying help until it 's too late, then stalling. I do n't want that to happen to me.
Product: Credit reporting or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX PL XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Balance : - PEOPLES FINANCIAL XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX FIRST XXXX Inquired on XX/XX/XXXX XXXX MOR Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2023
Product: Credit card or prepaid card

I do not wish to renew this card for an additional year, however the company is refusing to remove the {$39.00} fee.
Product: Mortgage

My previous loan was sold to GMAC who had approved a loan modification before the loan was sold to Ocwen in which I had to start the loan modification process over and it took three years for Ocwen to finally approve a loan modfication however the loan modifcation that was approved was a payment that was higher than my original loan payment, while I was in the process of appealing the loan modfication my home was sold in a trustee sale on XXXX XXXX, 2014. 
I had provided everything Ocwen requested and they would continually deny me and I would have to reapply all the while they kept postponing the trustee sale until the company finally sold the home. I believe they did not want to provide a loan modification because they felt they could get more for my home if they sold it in a trustee sale. The outline of events will clearly prove this. 

For the past six months, my complaint has been with an Ocwen escalation employee who has refused to answer my emails or phone calls in providing me with a status update on what is a simple case as the home was illegally sold in a trustee sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX