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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 Date opened : XX/XX/2022 Balance : - ; XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : -.
Product: Mortgage

I started re modification process through XXXX XXXX XXXX. My lender is : RUSHMORE LOAN MANAGEMENT SERVICES XXXX. XXXX XXXX XXXX, CA XXXX TEL XXXX, FAX XXXX LOAN OFFICER : XXXX XXXX LOAN # XXXX The problem I am having with them is that the re modification is taking for ever, they asked for all sort of documents, when sent to them they denied it was not seen, when resent they wait for a while and request for the same documents after confirming the documents were received. I am suspecting they are wasting time so that they can be able to foreclose my house. I was behind because I lost my job and I got a full time job now. My wife has a XXXX XXXX since XXXX it is only me that is working in my household. Thank you. XXXX
Product: Credit reporting or other personal consumer reports

An unknown suspect has been using my identity and social security number without my permission. When I reviewed my credit report I observed several accounts that I did not apply for or authorized. 

I have filed a Police report and I am still unable to get these accounts removed. Please remove these fraudulent accounts from my report. In accordance with the fair credit reporting act XXXX Account numbers 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 States 2 : It also states a consumer reporting agency can not furnish a account without my permission without my written instructions. 

XXXX XXXX  XXXX {$5900.00} XXXX XXXX  XXXX {$2200.00} XXXX XXXX XXXX {$260.00}
Product: Credit reporting or other personal consumer reports

XXXX is leaving my account in a delinquent status since XX/XX/2023 despite being paid as agreed. They are showing the account as delinquent XXXX and it is hurting my credit scores. This is violation of US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan . This should be immediately corrected and as such they should remove all late payment history from my account.
Product: Credit reporting or other personal consumer reports

My credit limit was raised from {$2500.00} to {$3500.00} for my Kikoff XXXX Account in XX/XX/2024. I submitted disputes to XXXX, and have been calling them directly to update the Kikoff XXXX Account with all of the correct information. I have also called " Kikoff Lending, '' so many times that I can't even count the total number. I have submitted documents to XXXX and Kikoff Lending, but each company says that it's the other company 's fault. In XXXX 's credit report dated XX/XX/2024, the " historical Account Information '' XXXX shows the correct information for XX/XX/2024, but in XX/XX/2024 the information was changed back to what's listed for XX/XX/2024, in the XX/XX/2024 box showing " last payment made '' XXXX reports it as " XX/XX/2024, '' but for XX/XX/2024 they ( XXXX ) inserted, verbatim as " last payment made as XX/XX/2024. '' XXXX literally inserted information as if for XX/XX/2024 we went back in time and posted XX/XX/2024 's information. I have tried over and over again to have this account reported correctly, but to no avail. I am fighting XXXX and Kikoff Lending to fix this, and have been lied to and given the run-around. Neither company seems to want to take responsibility for this account 's correct reporting. XXXX has hung up on me several times, and Kikoff Lending doesn't seem to be doing anything about it. This is unlawful, and possibly " credit report manipulation '' is taking place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX, XXXX. XXXX
Product: Credit reporting

I used www.annualcreditreport.com to request a free credit report from TransUnion on XX/XX/2015. Due to internet issues, I never saw my report nor had a chance to save that report. When I finally connected XXXX minutes later, I received this message, " You have already received your free Personal Credit Report from TransUnion ; therefore, you are not eligible to receive an additional TransUnion report at this time. " Does the law not require that I can " request and **obtain** all the information about [ me ] in the files of a consumer reporting agency? '' I do not want an updated report, but access to the report I allegedly " received '' on XX/XX/2015. As the consumer reporting agencies already maintain a record of my most recent date of " file disclosure, '' it is nearly costless to them to allow me to obtain my XX/XX/2015 report until I am eligible to " receive '' an updated report. Does the FCRA law allow these agencies to seal my " free disclosure file '' for one year due to a failed online attempt at " disclosure ''? I would like CFPB to help enforce substantive " disclosure '' or the " right to obtain a copy '' -- can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I sent a letter to XXXX, Equifax and XXXX concerning the inaccurate information reported on my credit report by your company. They indeed deleted the inaccuracy placed by your company and since then it has been illegal reinsertion to my credit report by YOUR COMPANY. The items came back verified. I want to know : how did you verify this inaccuracy? 

I have attached a letter and proof of the deletion that was done to my account. Your company is in violation of Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof with my wet signature that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Also, under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Ive done research on the E-Oscar and pacer system and unfortunately thats not efficient enough. It doesnt have my wet signature. 

Attached : A complaint letter, PROOF of deletion of the account on my credit reports, copy of my Social Security Card, and Drivers License is attached for proof of identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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  {$3200.00}.
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/2020, I tried to link my PNC Bank account with XXXX and it didn't allow me to.
Product: Credit card

On XX/XX/XXXX, there were 2 charges of {$230.00} from XXXX charged to my Citibank credit card. I immediately called Citibank to report the fraud. They applied credits immediately while it was being investigated they then charged my card back 1 1/XXXX months later. XX/XX/XXXX. I called and they said that I purchased the items and they would not credit my card. I called to speak 8 times with no progress. I found out the XXXX XXXX XXXX  and it was delivered to a different address. So they didnt even investigate.
Product: Money transfer, virtual currency, or money service

Fraud Email asking for Wire Transfer for Closing on XXXX XXXX XXXX XXXX XXXX, AZ XXXX Home. In the Process of closing on buying a home the title company sent me an email when i called the title company they said it was not them and it was a fraud Email account. I have reached out to the FBI, FTC, XXXX, and the banks. XXXX XXXX and XXXX XXXX. XXXX XXXX  has said they can't do anything unless reached out to XXXX XXXX and XXXX XXXX says it was approved on there end. I need help solving this issue. I really need this money back, I'm supposed to be closing on my house on Thursday. 


This was the email. 

XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inbox XXXX XXXX XXXX XX/XX/2021, XXXX AM ( 4 days ago ) to me, XXXX Good Morning XXXX , Due to COVID-19, Your closing funds should be wired to our trust account today to avoid delay at closing, so that funds can clear in our account on time for closing. I will send the wire instructions once you have acknowledge the receipt of this email, I will be busy with limited access to my phone you can send me an email if you need anything else. 


Thank you! 



Sincerely, XXXX XXXX XXXX Escrow Officer/Assistant Branch Manager Fidelity National Title XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX ) XXXX Office ( XXXX ) XXXX Fax XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report inaccurate information. My name is XXXX XXXX there should be no other names listed on my consumer report. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX any other address is not mine and is not deliverable by the United States postal service so therefore it should be deleted immediately. Since XXXX, XXXX, and Equifax sell personal information this incorrectly reported information can only be obtained through monetary transactions so who is providing this information as accurate as I have a right to examine it to see if it is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code1666 ( b ) billing errors. The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because these are clearly billing errors. Listed below is the account in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have written Transunion and tried calling Several times and there is no way to speak to anyone.
Product: Credit reporting or other personal consumer reports

Yes from XX/XX/XXXX up until XXXX my older brother has been stealing my personal information and using it to open up fraudulent accounts. Credit cards, vehicle purchases and taking out personal loans in my name etc. He has finally confessed to me that he was the one responsible for doing this all along. I have filed a police report with the XXXX New Jersey Police Department. It will be included along with my FTC affidavit and also I will be pressing charges on him. He had gained access to my personal information while I was XXXX  from XXXX while living in one of my rental properties looking after our elderly grandmother while I was gone.
Product: Money transfer, virtual currency, or money service

chime.com is a scam they collect personal information and as soon as you receive money at the account they will lock it. 
I have created my account and without any email warning they locked it for security reasons showing an email I should email XXXX i have send multiple emails since weeks now and they do not reply! I dont even get a ticket reply this is a scam!
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding two collection accounts listed on my credit report from Nationwide Capital Services XXXX and XXXX. The original creditor for account XXXXXXXX XXXX XXXX XXXX, states on their website that they do not report credit in Texas. I have attached this as evidence. XXXX XXXX Account XXXX : This account was never properly verified as required by law. Additionally, there is a business registration violation. Nationwide Capital Services is not registered to do business in Texas, and its right to conduct business has been forfeited. I have attached proof of this forfeiture. Both accounts should be removed immediately, and payment must be remitted to the address on the attached XXXX XXXX due to your violations.
Product: Debt collection

XX/XX/2019 - I received an outstanding balance notification from " XXXX XXXX '', the property management company for " XXXX XXXX XXXX ''. They claimed damages without substantiation of the damage - no receipts or photographs were provided. The amount claimed was {$1800.00}. 

I responded by emails disputing the damages the same day and also on XX/XX/2019. XXXX XXXX   did not respond. 

I visited on site, entering the apartment, and observed that the major expense - claimed damage to a vinyl floor - was not present. I took photos. I sent a certified letter to XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  did not respond. 

My property insurance company provided me {$1000.00}, the policy limit for this type of liability. I forwarded the money to XXXX XXXX This reduced the amount claimed to {$550.00}. 

XXXX XXXX sold or contracted the " National Credit Systems '' to collect this claimed debt. I forwarded to national credit systems my dispute with XXXX XXXX, and asked them to validate the debt. 

" National Credit Systems '' failed to investigate or validate this debt. They simply forwarded an account statement provided to them by XXXX XXXX and stated that I had to prove the debt was not valid. 

As it is not possible to prove a negative, and it is on the creditor to prove a debt as owed, not on the alleged debtor to prove a debt isn't owed, this is abusive behavior. 

More than likely, XXXX XXXX is engaged in a wide scale generation of fraudulent damages claims for profit, where most departing tenants have false and inflated charges added to their accounts. And more than like, " National Credit Systems '' is aiding and abetting such abusive landlords.
Product: Debt collection

Discover Bank continues to break the Law. Discover Bank continues to insist that I am responsible for this Credit Card Account Number ending in XXXX I am requesting Discover Bank provide me an explanation for the Double Interest Charges that Discover Bank Charged and Received Payments for the Double Interest Charges. 

I have attached Billing Statements XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX A {$78.00} was made, {$41.00} deducted from Purchase Balance and {$37.00} Interest Charge. The {$37.00} was then Added to the Cash Advance Balance of {$1800.00}. 
Billing Statements XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The Cash Advance Balance {$1800.00}. The interest amount paid keeps adding to Cash Advance Balance. Why?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Secured loan Secured loan Bureau Code : Individual Individual Account Status : Paid Paid Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/2018 XX/XX/2018 Balance : {$0.00} {$0.00} No. of Months ( terms ) : 24 24 High Credit : {$1500.00} {$1500.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Current Current Last Reported : XX/XX/2018 XX/XX/2018 Comments : - Closed or paid account/zero balance Secured Date Last Active : XX/XX/2018 XX/XX/2018 Date of Last Payment : XX/XX/2018 XX/XX/2018 Late Payment Status : Was 30 days late 2 time ( s ). 
Was 30 days late 2 time ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent Transunion a letter about the ownership of the bankruptcy on my report requesting what method you used to retrieve such information. On XX/XX/2021 I sent a follow letter then on XX/XX/2021 I sent a rebuttal letter requesting it to be removed from my report.
Product: Credit card

In a accordance with the fair credit reporting act this account below has violate my federaly protected consumer right to privacy and confidentialy under 15 USC1681 account name XXXX XXXX and my account number is XXXX According 15 USC1681s-2 ( a ) ( 1 ) a person-shall not furnish any information relating to a consumer reporting agency if the person know or has reasonable cause to believe that the information is inacurate
Product: Vehicle loan or lease

My vehicle was repossessed in XXXX of 2022. I payed the company in full to get my vehicle back. I am currently speaking with a representative who is stating that I have fees unpaid that are from the repossession. A repossession in which I was present for. One in which prevented me from getting to work one in which by law if the person is present there should be no contact or interaction with the towing company and the loan holder.
Product: Debt collection

On XX/XX/XXXX I paid in full upfront for one year of service for my rental property with XXXX. That service was completed on XX/XX/XXXX. Then in the fall of XXXX, I receive a call from XXXX asking for payment for the fall treatment. I told the lady, I paid for the one year service and was finished with my service. I did not ask for or authorize XXXX to go back out to the property after my paid in full service was completed. She put me on hold, had a conversation with someone, came back to the phone and said she understood and would write it off and take care of the {$70.00} charge. Fast forward to XX/XX/XXXX. I now see on my credit report as a collection. I never received anything in the mail asking for this money. Only the phone call and I was under the impression the bill was writen off because I did not order the treatment. As you can see from my credit history, I have a very high credit score and pay my bills ontime, everytime. I never would have let {$70.00} go to collections. This is very disturbing to me that a service can be charged to me that I didn't ask for, then send to collections with no written notice to me along with a verbal conversation with the company saying they were sorry and would take care of it. Please have this collection removed from my credit. Thank you