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

How many letters and complaints do I have to submit to the Credit Bureaus for them to comply with the FCRA section 605b? Upon Reviewing an updated copy of my Credit reports, I was disappointed to see that the Credit Bureaus have done nothing and cotniued reporting the unverified information on my Credit Report. I previously complaint about the same issues and requested that the Credit Bureuas provide me with copies of documentation which bears my signature to support the Credit Bureaus claims that the Disputed Items belong to me. The Credit Bureaus were given by the FCRA ample amount of time and repsond to my Letters and yet they have to do so. I am submitting this complaint to protect my rights under the Fair Credit Reporting Act section 605b and correct my Credit Report from erroneous and fraudulent information. I need the following items removed from my Credit File immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments on XXXX XXXX & XXXXXXXX XXXX XXXXXXXX XXXX accounts. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Product: Credit reporting or other personal consumer reports

My XXXX reports are inaccurate. These inaccuracies are causing creditors to deny me XXXX. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a request to SEQUIUM ASSET SOLUTIONS to validate the account that was opened on XXXX, XXXX with a balance of {$180.00}. To this day, the creditor has failed to answer my request as they are required by Federal law and I'm very concern because I believe this accounts was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute several times and never received a response from XXXX XXXX and I sent them letters twice in the last 6 months and I am tried of it. They never responded to me an I allowed them more than enough time even past the time the law allows
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to open a XXXXXXXX XXXX account and was declined due to negative reporting on Early Warning report that states a XXXXXXXX XXXX account reported XX/XX/2017. 

Early Warning sent me the report and and I have never had a XXXX XXXX account and when I contacted XXXX to inquire about it they were unable to pull anything based on my information, so there was nothing to dispute with them. 

Early Warning is referring me to the bank which is not giving me any information, I provided early warning with police report and requested for them to remove this reporting that does not belong to me and they have not.
Product: Debt collection

This is a debt due to a day care payment dispute. We had to withdraw our daughter from XXXX XXXX VA when the center was disqualified from the military/ XXXX child care subsidy program due to repeat violations. The center was mismanaged and we were never informed we had any kind of balance until I received a letter from XXXX 's corporate billing office. I immediately called to question the {$930.00} balance and was told I 'd have to speak to the director for the center- she was the only one who could adjust the billing. I immediately called and was told she was not available but the assistant director XXXX would look into my dispute and get back with me. I never heard back from her. The next correspondence I received was notification from a collection agency. I again called the center and was then informed the center director was on leave. I further disputed the balance, but the acting director has not been able to address my concerns- she advises she does n't have the knowledge or experience. She referred my ledger to another center 's director who removed XXXX charge but did not address or adjust anything else I disputed. No one seems to be able to own this or wants to assist me. I feel this is some sort of retaliation for having to withdraw our daughter from their center due to their disqualification from receiving the military subsidy. I 'm disputing the amount they say I owe, and would like a response to my questions about some missing subsidy payments from the XXXX Child care aware, as well as the vacation weeks we should only have needed to pay half tuition. Please help, I am anxious to have the collection account in my name closed and removed.
Product: Checking or savings account

My husband is in the XXXX and has been XXXX  in XXXX, XXXX and XXXX  in the last 3 year. We originally were in XXXX  and that is where the Bank of America accounts were opened. I have 2 accounts for my minor children, one for my now XXXX year old daughter and XXXX year old son. With all of the address changes we have not been getting statements for quite some time, but I did not think I needed to be concerned because both accounts are not supposed to have monthly fees. I recently got the XX/XX/2019 quarterly statements and my son 's account is being charged {$5.00} per month and the balance is down to {$40.00}. His account originally had more then {$200.00} and we have not made any withdrawals. My daughter 's account has not been charged this monthly fee. I called Bank of America 's customer service number and was told they can not reverse the fees. They also can not explain why 1 account is being charged while the other is not and if I want to talk to someone in person I have to go to XXXX  where I opened the account. We are XXXX  in XXXX  so I can not do that. Customer service also would not do anything to even fix the fee issue going forward. I asked how long have the fees been charged and they could not tell me that either. I also looked on their website for XXXX  savings accounts and there is no fee for {$5.00} listed on their fee schedule. So not only are they taking money from a child, but they are not complying with Truth in Savings by listing all current fees.
Product: Credit reporting or other personal consumer reports

I have reported and disputed this information not only by the collection agencies but also the credit bureaus the police department and also the FTC. These are inaccurate and credit theft I wasnt even of age when the account were opened I was XXXX not of age that is against the law by its self.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response XXXX XX/XX/XXXX that you need my updated email address which is ( XXXX ). I sent a complaint on XX/XX/XXXX to remove the following items : that are XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA 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 to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint. I am including it again.
Product: Credit card or prepaid card

I opened a chase sapphire preferred credit card sometime in  XX/XX/XXXX  to  XX/XX/XXXX . After a few months and a couple of transaction, I decided that I did not like the card and ask the representative to close my card or convert it to a different without a fee, as the  Chase Sapphire Preferred card ha s an annual fee of {$95.00}, which is waived the first year.  <P/> Fast forward to  XX/XX/XXXX , and I have n't used the card in many many months ( almost a year ), and I find out that my card has n't been closed and I 've now been charged the annual fee even though I c ontacted Chase to close/change   my card almost a year ago.  <P/> I do n't recall how I contacted them and there is no record of my initial contact because if I did it over the phone, I did n't record the conversation, and if I did it online on their secured messages, they purge the messages on their end.  <P/> This is a deceptive practice b y Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the inaccurate inquiry reporting on my Credit Report : XXXX XXXX XX/XX/2019 XX/XX/2019
Product: Vehicle loan or lease

Bridgecrest Credit is currently reporting that my account is past due. This is incorrect. It is delinquent because of an error that they made. My pay-dates changed, and I advised them to adjust my payment schedule accordingly. Despite requesting the change, they did not adjust the payment schedule resulting in the problems with the payment. They know its their fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking 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 DEPT OF EDUCATIONXXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX, IL XXXX Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.
Product: Checking or savings account

My account was unknowingly closed on XX/XX/2024, one day after I filed a XXXX complaint against the compony of question, Brigit Inc. Prior to this date I had reached out to Brigit several times on how I can withdraw my savings from the credit builder savings account I still had active with them. Unbeknownst to me the bank connected to this account was under investigation and I was unable to withdraw them through this bank even though prior to that I was automatically depositing funds every week from my paycheck. When I lost my job earlier this year is when I tried to withdraw my funds on several occasions and was told by Brigit I would lose them if I could not connect to the initial bank account. Well that didn't seem right because this is my hard earned money and the app even had an option to change banks to withdraw funds. That's when I filed a complaint with the XXXX  and my account was closed instead of responding to the complaint. I tried reaching the company Brigit again to ask why it was closed but to date I have not received a response.
Product: Debt collection

Portfolio Recovery, LLC has harassed me and contacted my employer, threatened to sue me for debt that does not exist. I have checked my credit reports from all 3 bureaus and there is no delinquent debt that is owed. If there is any debt owed it would be 20 years old. I have paid on time for all of my accounts. I have asked them to stop calling me but they refuse to do so even contacting my family members and ex-husband. They also contacted my ex-husband stating I would be sued and court documents were being sent to his home causing him to feel as though he was going to taken to court because of the verbiage Portfolio Recovery used. This could cost me my job and is a very serious matter. I have requested for this stop and it has not. What recourse do I have? Their tactics include harassment and abuse and it needs to stop. 

On XX/XX/21 Portfolio Recovery LLC contacted my place of employment and have done so previously.
Product: Credit card or prepaid card

I sent letters to Capital One on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 complaining of their new policy as follows : I pay the total transactions each month in full. If that is all I do, the following months transactions will incur an interest charge unless I pay the full amount of the transactions plus the minimum payment required. Including the payment of the minimum amount to avoid interest charges on purchases the following month makes no sense which makes it an unlawful charge. I have had no response to my letters.
Product: Credit reporting or other personal consumer reports

Equifax failed to provide documentation that I am responsible for several accounts illustrated as delinquent payments. I have not received documentation that XXXX is my account or that I signed any XXXX accounts. 
Also, Equifax has failed to provide documentation that accounts were paid late. I have provided information that accounts were paid as agreed. 
I have provided documentation multiple times illustrating that XXXX XXXX was paid on time. I have disputed vigorously. I am astonished that Equifax has made no apparent effort to verify as I have not seen any documentation. 

Also, I am concerned that the Equifax score that I received is different than what my lender has observed. I received a score of XXXX. However, my lender noted my score was XXXX. I understand scores may differ but believe this should be investigated for fraud, discrimination, and under the Fair Credit Report Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XX/XX/2019 - A recent class action lawsuit accuses XXXX XXXX of forcing their customers to pay interest on ... affirm these common sense understandings, but XXXX XXXX XXXX actual practice does not. ... XXXX XXXX XXXX  ( XXXX XXXX XXXX, Case No.
Product: Bank account or service

After 2 years of service with no issues Coinbase closed my account for no reason and furthermore refused to give me a reason despite dozens of request through their support channels. I first signed up with them XX/XX/2014. By forcing me to sell my bitcoin I missed out on hundreds of dollars in gains in the market and lost the ability to use my shift debit card that I paid {$20.00} for.
Product: Debt collection

i am filing this complaint on my own behalf, i noticed unauthorized inquiries on my consumer report and need someone to address this matter
Product: Debt collection

I am writing to formally dispute the accuracy of a collection account listed on my consumer report. 
I did not receive any prior notification or collection request regarding this account, which has caused significant problems in my current financial situation. The absence of communication from the collection agency has left me unable to verify the legitimacy of this debt, leading to confusion and distress. 
As per the Fair Credit Reporting Act, I request that you investigate this matter and remove the collection account from my report if it can not be validated. Please provide me with written confirmation of the outcome of your investigation. 
Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting

It shows I have had an adress in XXXX Washington and I have never lived there.
Product: Debt collection

I had a collections notice on my credit report from XXXX XXXX. On XX/XX/XXXX, I called and asked them about it and they said that the collections was n't with them anymore. They recalled the collections back to XXXX, the original holder. I called XXXX the same day and made a payment to get rid of the debt owed. They explicitly said that it should not be on my credit report after payment. The problem is, the collections notice from XXXX XXXX is still on my credit report and I would like it to be taken off. I was given a clear statement from the XXXX XXXX  agent that they do not have my collections anymore and that it should n't be found on my credit report. As for the payment for XXXX, I have the confirmation number, XXXX, and the employee id, XXXX, of the man who explained to me the process above ( for removing the collections from my credit report ).
Product: Credit card

We filed a dispute to a charge by a contractor/merchant who turned out to be an unlicensed contractor in the state of California. This contractor did not complete the work and caused significant damage. We asked the contractor to finish the work but they did not. We filed a complaint with the CA State Contractor Licensing Board, and also disputed a part of the charges with Discover. 

Discover would allow us to dispute only one of the many charges and denied that there was another charge. Then discover failed to investigate or make any effort and closed the case in favor of the merchant. We asked them why they closed the case, they said they needed more information and as asked them why they would not ask us for more information. They said to send them the information right away which we did. 

However, to date they failed to review the documents we sent and failed to apply a temporary credit as they promised they would do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  never investigated inquires and they willing knew it was a violation of my rights so they are liable pursuant to USC1692K 813 civil liability There deletion is admittance to them reporting inaccurate information on my report
Product: Mortgage

after my father passed away, I inherited his home with the VA loan. I put the home up for sale in XXXX of 2023 and we got an interested buyer who wanted to buy the home and assume the balance of the mortgage. The potential buyer, my real estate agent at the time as well as myself were all told that the loan wasn't assumable. We lost the sale because we assumed that what rocket mortgage was telling us was correct. I took several more months to sell the home and I took a XXXX loss because of what we were told. I just found out a month ago that what I was told by Rocket Mortgage was completely false, my loan was assumable as well as every VA loan is. As the company who services the loan Rocket Mortgage knew this but lied about the truth because they don't make money on loan assumptions. I reached out to Rocket Mortgage to inform them of the issue and that I confirmed the information through the VA. Rocket Mortgage reviewed all the recorded phone calls and indeed they did tell me falsely that my loan was not assumable. knowing this information Rocket Mortgage refuses to compensate me for my loss and they even threatened me with legal action if I proceeded to court about this matter. I have filed a complaint with the VA on XX/XX/2023 and they are investigating this matter for the possible impacts on other Veterans and their families. Rocket Mortgage is in possession of audio files of the phone calls with me and their employees falsely telling me my loan wasn't assumable. The contact person I was dealing with at Rocket Mortgage was XXXX XXXX and her telephone number is ( XXXX ) XXXX... XXXXI hope you can assist with investigating this matter further because if they so wrongly told me my loan wasn't assumable how many other Veterans and their families are potentially affected by their negligence which has caused me financial hardship needlessly. The fact they are in possession of audio telling me this and still choose not to fix the problem is absolutely shocking and should be punished in every possible way. If you have any questions please feel free to contact me. Thank you
Product: Student loan

I have been cheated into higher payments due to blatant disregard and the criminal activities of XXXX and subsidiary company, Navient Solutions