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

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Tally sold its self to a new company or something and now Im being charged for the loan that was moved over to this new company that I have no information about or how to go about paying them
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-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 XXXX business days, pursuant to section 605c of the Fair CreditReporting Act. I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be blocked and deleted company information Early Warning. Please delete the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXXXXXX XXXX XXXX Account number : # # # # # 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 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

The following account is reporting erroneously on my credit, I suspect identity theft, this account was really affecting me so I decided to pay it off and close it, but I want it completely deleted. I called the company and raised these concerns but so far they have not responded accordingly. 

The account in question is : XXXX XXXX XXXX XXXXXXXX {$2000.00} XX/XX/year>
Product: Debt collection

A debt collector representing Harris and Harris called multiple times claiming that I owed the IRS and wanted me to confirm my private information such as my address, phone number and SSN. I didnt feel comfortable giving the full so I gave the last 4 digits. They then said I needed to pay over the phone with my credit card and that is when I hung up the phone.
Product: Debt collection

Superlative RM www.superlativerm.com contacted me on XXXX/XXXX/2021. Demanded payment and asked me to borrow money from relatives in order to pay a debt that I had no idea I had. Provided names of my family members and vehicles I owned. Then after I stated I did not have {$6000.00} dollars handy to pay the debt, they proceeded to call my ex-husband and then called my ex-husbands wife in order to pay the debt as well. 

I just received my first written notice of debt on XXXX dated XXXX/XXXX/2021. 

They continue to call my family attempting to collect a debt.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I requested a purchase agreement, agreement to sell, or service agreement agreement with my signature between myself and said company. 
XX/XX/year> I disputed it with Experian after I did not receive proof of debt from each company. 
XX/XX/year> I mailed Experian, XXXX, and XXXX a letter requesting verification of debit XX/XX/year> Experian Verified the debit and said it would remain on my report XX/XX/year> I requested a verification method including dates, times, and how they verified the debt and disputed it again. 
On XX/XX/year>, I sent a certified letter to XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, and Experian requesting a verification method. 
XX/XX/year> They sent another message saying my debt was verified with NO verification method and also opened a new online dispute asking for proof of service and method of verification XXXX I received a message from Experian only saying the dispute was modified and would remain on my report again, with no verification method given to me On XX/XX/year>, I demanded proof and verification of the debt from all three debt holders and credit bureaus, and XX/XX/year>, I received another message from Experian that the debt was verified without providing me with a method of verification XX/XX/year> I am reporting to CFBD and sending a letter to all companies notifying them of this decision to file a complaint.
Product: Credit card

My XXXX XXXX XXXX includes the priority pass as a benefit and in this program restaurants are included. On XX/XX/XXXX, I went to a restaurant that is included in the program and they priority pass was not accepted ( despite XXXX offering this as benefit ). I had to pay out of pocket XXXX usd. I reach out to customer service to get my money back or a credit or a partial waived of the renewal fee and the bank did not provide a o solution. 

I respectfully request that you review my account and provide a full refund of the {$60.00} in question. I did not received any communication about changes in the priority pass eligibility and hence I need my credit back to misleading information from the XXXX XXXX credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX today, XX/XX/XXXX and was lied to by their representatives in XXXX stating they emailed me their investigation results on XX/XX/XXXX from the dispute I submitted on XX/XX/XXXX. How can this be possible if I never received the email and XXXX still agrees I had a personal account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX.? Please review the collection note detail and look at my credit report. 

XXXX received my request on XX/XX/XXXX. The file number is XXXX. The item in dispute : XXXX XXXX XXXX. As of XX/XX/XXXX I have not received correspondence from XXXX. 

XXXX is not complying with the time periods established by the Fair Credit Reporting Act ( FCRA ). As of XX/XX/XXXX they are in violation. I am filing a complaint with the CFPB to help me hold XXXX accountable to the FCRA. The FCRA says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. 

I have filed multiple disputes, and even threatened to bring lawsuits, to get inaccurate information corrected in my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been working on my credit for a couple of months now because I plan on using my certificate of eligibility from VA to purchase my first home. Once I received my initial credit reports that I requested, I noticed that XXXX XXXX ( previous lender ) had charged off the balance of my car loan. I've tried using the dispute process at no avail. My car was originally totaled out by XXXX XXXX XXXX XX/XX/XXXX back in XX/XX/2019. At the time my XXXX XXXX was determined a total loss I owed {$20000.00}. XXXX determined the value at the time of loss was {$10000.00}. This left a hefty balance of {$10000.00}, however I wasn't concerned because I had purchased GAP insurance at the time of my car purchase that covered a maximum of 150 % in case of total loss and I also purchased an extended warranty. XXXX paid their portion. I filed a claim with XXXX XXXX XXXX  XXXX/XX/XX/XXXX for my GAP claim and also reached out to XXXX XXXX ( where I purchased the car ) to file a claim for the refund of my extended warranty. After a couple of weeks, XX/XX/XXXX ( GAP ) had sent documents on how much they were sending a check out for ( {$7300.00} ) leaving still a remaining balance of {$2700.00} however, this included an " in house estimate '' for my extended warranty. Upon reaching out to XX/XX/XXXX customer service I was informed that once XXXX XXXX received the actual amount from the extended warranty if their estimate was incorrect, contact them back and they would pay the difference. In the end, the initial " in house estimate '' was incorrect. I reached back out to XXXX and they ask that I request a copy of the check sent from the extended warranty or payment leger proving how much was actually paid so they could adjust the payment and send out a check for the balance. I reached out to XXXX XXXX on several occasions to get this documentation so my balance could be cleared. The last person I spoke with was XXXX XXXX a loan administrator for XXXX XXXX who initial contacted me about setting up a payment plan for the balance. I informed her of the issue I was having surrounding the balance. I was told that she would submit a request for the information I was requesting and I never heard anything back. I reached out again recently and left a message explaining the urgency and I still have yet to hear back from the company. It is unfair that I now have a malicious charge off on my credit report that I did not deserve. This is negatively affecting my purchasing power for my first home. I did everything I could do to insure this company got their money and they dropped the ball. I should not be punished because they did not do their job. A simple copy of the warranty check would have resolved the issue in its entirety. Your assistance in this matter is greatly appreciated.
Product: Checking or savings account

I was the victim of identity theft and my account and debit card were charged without permission at certain merchants. I notified chime bank and have have submitted multiple disputes with them with, only to be denied on 95 % of the charges. They even denied a lot of charges at one merchant while refunding a few, " handpicked '' charges so they could look like they were actually investigating. After repeatedly asking for proof and documents every time i submitted the dispute, they came back with " merchant says they are not responsible '' and denied. Well i already know the merchant says that because i contacted them in the very beginning and chime evidently doesnt understand i am disputing with them, my bank. Chime evidently is unaware of the law and never issues temporary credit while doing their " fake '' investigation. I will attach the list of charges and results, you will notice they denied the majority of " XXXX '' but accepted a few of them, showing how inconsistent and fake they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX felony charges that have been reversed still appear on record and shown to a prospective emplyer by Checkr.
Product: Debt collection

Unknown and several times I have disputed with nothing received. No such debt is owed, please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted transunion to remove an account that is showing up that I do not own. I was informed the account was opened XX/XX/2020. The open balance is XXXX. I attempted to call the collection account as well to get more information and they could not provide me anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer portion thereof in which information on consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

According to : 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. 

According to : 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: Debt collection

Several repeated phone calls to me ( who is on a payment plan ) As well as several calls to my girlfriend who is not affiliated with the account. 
About 12 calls were received today.
Product: Debt collection

I was awakened early this morning, around  7 a m by a representative of ERC Collections. It was an attempt to collect a dept for my father in law who has recently passed away. They have already called my wife previously and been told to cease and desist. My phone number has never been listed on any of his medical documents. The company in question has gone through the extent of doing a background check on my mother in law to find any phone records with numbers associated with her name. That is how they obtained my number. I have since informed them to cease and desist their activities or else I will be taking further legal action. I also asked for their   XXXX   XXXX   business license number to solicit calls for debt collection and they refused to provide me with a valid license number. This company is based in  XXXX  Florida When I asked them for proof of the original debt in writing they could not do that either. They do not possess licensing fo  XXXX   XXXX    XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On the XXXX of XX/XX/2023 i received a deposit of {$140000.00} for my tax return which was deposited by XXXX, that same day my account access was restricted for no reason whatsoever, i have tried to reso this issue personally with truist but theyve been taking me back and forth i am beginning to think they do not plan to rele the funds to me, i want to use this medium to try to resolve this before taking a lawsuit against them. 
I have been a customer with Truist and have never had any problems whatsoever using the bank.
Product: Mortgage

Submitted request for mortgage modification, I got behind on my payments because of my employer reducing my hours to part time hours. I'm now working 40 hours a week and can make the house payments. Received property foreclosure notice for sale of my house XX/XX/2019. The State of Tennessee law is the homeowner is to receive 30 day notice prior to a property foreclosure sale. I did not receive the notice 30 days prior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with ongoing issues between you guys verifying my information and the credit bureaus posting inaccurate information on my credit file which has made my life very uncomfortable and has stop me from multiple opportunities. I am sending this follow up complaint after about 4 previous complaints to remove all inaccuracies and errors off of my credit report it is stated in your mission statement that you help consumers to be treated fairly between the business of the average XXXX and the big bad bureaus. I would suggest a fair resolution would be to look into the previous times Ive sent complaints, look into the details of my complaint and you will see where the rules arent being followed on the bureaus parts and the unfairness of it being at my expense. I would really ask that this be expedited just for the back and fourth and distress I have had to endure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its late payment of self account being reported thats inaccurate I sent the a letter in and it hasnt been re moved its also been over XXXX + days
Product: Mortgage

My husband passed away on XX/XX/XXXX. My son paid off the 1st mortgage. I had the 2nd mortgage to pay for. I loss work do to my husbands death because I was self employed and took it very hard. I had to file bankruptcy XX/XX/XXXX. I paid my 4years and completed the course. After the bankruptcy was completed I received a notice that I was a year late with my payments. I understand that the arrears was forgiven but the bank says I need to provide a letter about it. My Lawyer and the bankruptcy court said it was all in my fillings. they say I owe over {$4000.00} in arrears. I called the bank he said that they started putting my first payment after bankruptcy on the XX/XX/XXXX arrears.. They send me messages each month on the statement that I am late and it could result in foreclosure and the loss of my house. My bal. due as of XX/XX/XXXX is {$10000.00}. I pay a little extra every month. ( {$350.00} )
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 the 15 USC 1681. 
Account information is as following- XXXX  XXXX Bank for {$11000.00}, XXXX XXXX XXXX for {$81.00}, XXXX XXXX for {$460.00}, XXXX XXXX investment for {$650.00}, XXXX XXXX XXXX for {$970.00} XXXX XXXX XXXX for {$1200.00}, XXXX XXXX XXXX for {$1400.00}, hard inquiries from XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX. Has violated my rights. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to the 15 USC 16881 ( e ) ( b ).

According to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, base on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are suppose to not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have documentation that is evidence that I did not have these accounts that a person by the name of XXXX XXXX does. Put on my credit report by mistake and should be on his.
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. 

I told Experian to reinvestigate these accounts : Inquiry from XXXX XXXX , Note : HARD Inquiry : XXXX XXXX XXXXXXXX, Date : XX/XX/2021, Account : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), Account : XXXX XXXX XXXX XXXX ), Account : XXXX XXXXXXXX ( XXXX ), Account : XXXX XXXX XXXX XXXXXXXX ), Account : XXXX XXXX XXXX XXXXXXXX XXXX, Account : XXXX XXXXXXXX XXXX ( XXXX XXXX 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 1681i ( 5 ) they are suppose 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 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 XXXX  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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

ITS BEEN MONTHS!!! 
PLEASE DELETE THE ACCOUNTS!!!
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 XXXXXX/XX/XXXX I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following account it does not belong to me. Therefore, I'm demanding it be removed immediately. 

1 ) XXXX XXXX XXXX