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

TRANSUNION XXXX. XXXX # XXXX XXXX, XXXX XXXX To Whom it may may Concern : Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these Transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 
Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account U.S BANKRUPTCY COURT XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account The following public record you are reporting is also against my rights as a consumer the original furnisher/ court has informed me they dont report data to credit reports therefore you are not following the laws that govern how to report data on consumer reports only the original creditor can report data with a written consent document. You have verified this public record without proof ( written consent ) going against 15 usc 1692 ( j ). This is an infringement upon my rights and you failing to comply with these laws have ruined my reputation as a consumer. XXXX has already complied with these laws in regards to these account proof is provided on the next page. They followed these laws, why haven't you? How are you verifying this information per law? 
I demand the following accounts be deleted immediately. 
The following addresse ( s ) are inaccurate and need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX and the following inquiries are also unauthorized and fraudulent XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Contacted company to remove Unauthorized Hard Inquiries listed on my Credit file ( s ). No action was taken. Inaccuracies as follows : XXXX XXXX XXXX XXXX XXXX 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 XX/XX/year>. I used XXXX  XXXX XXXX ATM. The ATM took {$780.00} out of my account and I got not XXXX dollar. XXXX  XXXX XXXX admitted fault and said I will get my money. I have XXXX XXXX XXXX. I am a single dad. I work XXXX hours a week. That was my paycheck. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX admitted fault and said they would get my money very quick. Chime is refusing to release it to me. I need to feed my kids. This is a emergency situation. I want my money. It's my money. Not theirs. I filed lawsuits on chime And XXXX  XXXX XXXX. I want my money ASAP. Investigating is over when they admitted fault. I want what's mine and now. They are purposely holding my money. Please help me so I don't have to go to the next step with them. I have kids and this is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy courts do not report to your credit report I froze my credit I sent information and the bankruptcy need to be removed I also sent my address my name my Social Security card my birthday they still are reporting other names of the addresses it need to be removed
Product: Mortgage

My siblings and I are the successors of our parents home. Father passed away in XX/XX/XXXX. We live in the home and due to his passing we became delinquent. The original servicer was Nationstar which is now Mr. Cooper. They started the foreclosure process for which I had to get the assistance of XXXX XXXX group to stop the foreclosure. Went before the Judge and Mr. Coopers attorney and came to agreement to work on loan modification. We submitted the documents through their attorney and was told it was complete and we would hear from them soon. The next thing we received was a notice with a sale date. We called Mr. Cooper and they said there were missing documents. They never called or asked in writing for the documents that were allegedly missing, so we had no idea. We started another application and as we were in the process a representative from Mr. Cooper informed us that nothing could be done with the house until it was out of probate. It is still in probate however, they mailed another loan modification packet which I received on XX/XX/XXXX but sold the property 11 days later on XX/XX/XXXX. They had us believing we were working towards keeping our home, but what they were doing was giving us the run around and misleading us by telling us different information just to run the clock out so they could foreclose and we would have no time to stop them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Do not mark this as a duplicate complaint as there are new concerns that must be addressed. The account I am speaking of is XXXX XXXXXXXX XXXX XXXX through XXXX XXXX XXXX Account Opened : XX/XX/XXXX Account # XXXX. The law gives me the consumer the right to opt out under 12 CFR 1016.7 ( h ) which states that " A consumer may exercise the right to opt out at any time. '' 12 CFR 1016.7 ( g ) also states that you must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. Regulation P which is the privacy of consumer financial information clearly outlines the fact that I as the consumer can opt of you reporting this account to my credit. I wrote to XXXX XXXX XXXX on XX/XX/XXXX with a notarized opt out letter as evidenced by tracking number XXXX. Which was received by them on XX/XX/XXXX the account was last reported on XX/XX/XXXX allowing over 9 business days for them to remove the account before it was reported again. The law states they comply with a consumer 's opt out direction as soon as reasonably practicable after they receive it. I do believe that 9 business days is more than reasonable. Not only that section 51 of the lease agreement is the severability clause which states If any provision of this lease contract is invalid or unenforceable under applicable law such provision shall be ineffective to the extent of such invalidity or unenforceability only without invalidating the rest of the agreement. This means it is made in accordance with the Law and the laws for reporting credit under permissible purposes ( 15 USC 1681b ) says that you must have written instructions from the consumer to report in the 1st place. This is supported by the privacy act of 1974 which states " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. XXXX has already removed the account because it was added unlawfully after previous CFPB complaints. Therefore it is impossible that Equifax and XXXX are maintaining reasonable procedures and reporting accurate information which is a violation of 15 USC 1681e Compliance Procedures. The fact that one of the main reporting agencies has already removed the account is more than enough proof that my consumer rights were violated and continue to be. Equifax, XXXX, and XXXX XXXX 's negligence in this matter has caused me serious harm as the consumer. Please remove the account as I have opted out in accordance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My purse was stolen in 2013 and they stole my License, And social security and they opened up various accounts with my Social, They did Express, Victoria Secret, XXXX and XXXX XXXX and these accounts are affecting my credit negatively and it's not allowing me to obtain any new line of credit, I filed a police report and it's on record,
Product: Debt collection

To whom it may concern, My name is very common, it is in the XXXX community the same as " XXXX XXXX '' So from time to time I have had erroneous information on my credit report that I have been able to clear by contacting the creditor directly. in this case, I had this collection show up on my credit for XXXX XXXX XXXX, and I have no idea what this is so I contacted the creditor and was told " I don't care if this is your debt or not, pay it and we will take it off your credit. Don't pay it and it will ruin your credit! ''
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, On XX/XX/year> I disputed an account reported by XXXX Bank in the file that Equifax maintains under my Social Security number. 

I was informed on XX/XX/year> that the item was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), a credit reporting agency is required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA.
Product: Vehicle loan or lease

My mother financed a car through credit acceptance at an interest rate of 22.99 %. The car was valued at XXXX but they charged her XXXX for it. The car was involved in an accident in XXXX. It was totaled. Thats when I found out that they let her use me as a co-signer without me consenting to do so and she purchased the car without initially getting insurance. My mother passed away in 2020. After she died they took me to court, sued me and are threatening to garnish my checks if I dont pay them {$17000.00}. They also reported it as a voluntary repossession on my credit which is hurting my credit score and credit worthiness.
Product: Credit reporting or other personal consumer reports

I've contacted XXXX XXXXXXXX in regard to a late payment that they say I've accrued in with them. I've always paid my bill on time which i told them. I also told them the payment there saying I was late was not my fault that my wallet was stolen and had to get another debit card and had to set up my automatically bill pay to the new card which i did. I informed them of my wallet being stolen. I also mentioned to them that I've moved XX/XX/2020. I have put a change of address in with USPS to the address that I've moved to. I've told them that I didn't receive any mail from them pertaining to a payment being due or pass due because of how I set up the bill to be paid on the due day of every month it was due through my auto pay. I've talked to representatives that were promising me that they were going to remove the late payment, but it hasn't been removed. There are some other concerns with other agencies that I've tried addressing with the agencies, but they were not being really helpful when asking for validation. They were being really rude and what seems to me that they were just trying to rush me off the phone or not sending me validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope you're having a good day. This is my second notice towards Fifth Third via CFPB.gov per the last CFPB Complaint No : XXXX for your reference. 

If Fifth Third or any subsidiaries are furnishing negative information to any specialty XXXX  such as XXXX XXXX, XXXX XXXX XXXX, etc., without my written permission or consent, you are violating federal law and I demand you cease and desist all activity. I have read the contract and disclosure given to me upon opening of my checking account, and not once have I agreed for negative information to be furnished nor did I express written consent. Therefore, pursuant to 15 U.S. Code 1681b et seq ; as well as notifying me, the consumer, pursuant to 15 U.S. Code 1681s2 ( 7 ) ( A ) ( i ) ( ii ) you are in violation of the Fair Credit Reporting Act.

I demand you cease and desist all activity and contact any specialty XXXX notify me of who you have furnished information too and permanently delete said reporting of information.
Product: Credit card or prepaid card

XXXX XXXX XXXX Closed arbitrarily 2 different credit card accounts, I have had my account open for 7 years, never miss a payment ( i pay my balance every month ), I have a XXXX credit and use around 10k in purchases a month. 
I got a letter that my account is going to be close in 30 days, I called to get a reason and could not give me a reason, I ask if it was my credit score ( my score is 700+ ) and they say it was not my credit score but they will not give the reason because is confidential, I ask to giver me a reason im afraid that maybe im a victim of identity theft. 
They will not giver me any reason, Im afraid they is discrimination because Im a XXXX I don't see any other reason never had any bank issue. 
Im looking at a Reason that they should give me if they decided to close my accounts. 
One account is personal and then other is a business account, they canceled mine but not my business partner that is not XXXX.
Product: Checking or savings account

In order to earn the {$300.00} bonus, I opened a new personal life XXXX XXXX XXXXXXXX in Regions Bank in XX/XX/2021. I carefully met all the requirements set up by Regions Bank. For some reason, I have not received the bonus, yet. I called Regions Bank and was told that I only fulfilled XXXX XXXX requirements and failed to meet the XXXX XXXX  My question to Regions Bank is : How should I miss the XXXX XXXX when I opened the XXXX checking account especially when I wanted to earn the bonus? The fact is Regions Bank lied and tried not to give the bonus to me.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THESE ADDRESSES PLEASE REMOVE THANK YOU XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account GRANITE STATE MANAGE XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that GRANITE STATE MANAGE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I went online I was changing 2 XXXX XXXX XXXX and keep 1. T was deleted it. The next day l saw, it deleted, Personal Information : please see. I have to keep it. I tried to call them and it want let me. Experian Report number XXXX. I paid off my XXXX XXXX XXXX and going to buy a car. I need to change it back. 

Name XXXX XXXX XXXX Phone XXXX Cell XXXX Birth year Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX
Product: Credit reporting or other personal consumer reports

You are reporting a account named prefcustjewel I asked to send proof of this alleged account being mine and have yet received any documents .You are furnishing a bad account upon my name and is defaming my character and puttung a habdicap on numerous tjings im trying to acquire. 

pursuant to 15 usc1681a4 you did not insure that this information is accurate and you did not exercise your grave responsibility with dair and impartiality..YOU TOOK ONE SIDE OF THE STORYand never consulted wuth me to find out if this transaction event took place.As a result of this privacy was breached and violated my right to privacy.

pursuant to 15 usc 1681a3 your company assumed this role.You were not given express permission by me the consumer or a competent court of jurisdiction .So, not only did you fail the initial investigation of this information.You also assumed this role and assumed this information was valid.Which is violation of my consumer rights. 

DO NOT SEND A MESSAGE TO SEND YOU ANY SUPPORTING DOCUMENT I DO NOT HAVE TO SEND YOU ANYTHING YOU HAVE ENOUGH INFORMATION YOU DID NOT ASK FOR MY INFO WHEN REPORTING IT THE FIRST TIME DO NOT STALL TO DELETE THIS ASAP YOU HAVE XXXX DAYS UPON RECEIVING THIS MESSAGE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Total  credit card not reporting payments to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm demanding that the following fraudulent accounts inwhich derived from identity theft be removed & blocked from my credit files. 

1. XXXX ss {$71.00} 2. XXXX {$100.00} 3. XXXX XXXX XXXX  {$470.00} 4. XXXX XXXX AU {$83.00} 5. XXXX {$760.00}
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed some inaccurate accounts on my credit report. I formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation, and you continued to report a disputed debt to the Credit Bureaus, another FCRA violation. Not only have you ignored my prior requests for validation of debt, but you continue to report this debt to the credit bureaus causing damage to my character. The accounts are listed below, and I also attached documents on the behalf of this complaint. 

Account : XXXX  XXXX XX/XX/year> Account : XXXX XXXX XX/XX/year> Account : XXXX XXXX XXXX XX/XX/year>
Product: Credit card

I was charged a $ XXXX late fees on a monthly basis after I enrolled in auto-pay with Macy 's credit card, which totalled {$230.00} plus {$10.00} interest for this year alone. I authorized the auto withdrawal from my checking account on XXXX/XXXX/XXXX when the billing due date was XXXX each month. Macy 's changed it to XXXX without my knowledge and started to charge late fees since XXXX until now based on the two days difference. I did n't notice this until receiveing the current statement yesterday, XXXX/XXXX/XXXX, and called Macy 's, and was only given a {$19.00} refund. When I set up this auto-pay, the due date and withdrawal date was arranged between Macy 's and my bank. I have no hand in the process. I do n't understand why Macy 's changed their due date but persisted on the original withdrawal date so as to create a gap for late fees and allowed it to continue for almost a year? I have more than XXXX other auto-pay arrangements with other businesses, but none of others ever charged me a late fee for any excuses. I believe I deserve a full refund of the {$250.00} charges for XXXX.
Product: Debt collection

Portfolio Recovery put collection listed on my credit report all XXXX bureaus as XXXX/XXXX/XXXX. They have never ever ever contacted me regarding this debt. I have disputed this with the credit bureaus no less than 20 times. I have sent Portfolio Recovery a certified letter. 
I dispute the validity of the whole account, I never had an account, I have no knowledge of anything that I owe. They refuse to delete the account. I just received a letter from them stating that in order for them to process my dispute, " I will need to send them information regarding my account so the Dispute Department can process the dispute ''. I have asked for a signed application and date, all statements, chargeoffs, disputes, payment history, authorized users, and other information. They have produced zero evidence, in violation of their consent agreement with the CFPB. I have also just discovered that Portfolio Recovery had filed a lawsuit against me, tried to serve me one time, and then dropped the suit ( premsumably looking for a default judgement ). 
They dropped the lawsuit XXXX/XXXX/XXXX. I also had no information, knowledge, of there even being a lawsuit. No one ever sent me a letter or contacted me about anything, just a dump on my credit and lawsuit, and with XXXX disputes they keep dinging my credit report and can not produce anything for a XXXX account, but want me to send them some evidence of some type.
Product: Debt collection

There are debts that appear on my XXXX  credit report for companies that I have never been contacted by. I have received absolutely no phone message, emails, or letters in the mail regarding any of my medical debt. AR Resources Inc XXXX XXXX XXXX Neither of these companies have contacted me in any way regarding the debt that appears under their name on my XXXX  credit report.
Product: Debt collection

On XXXX XXXX, 2019 I received an alert there was an account added to my report as a collection from Credence Resource Management for XXXX the company is also apposing as an attorney as well with no contact info, I have no idea what this matter is as I am a victim of identity theft and it has been on my credit report for years, the company has not sent any validation, no written notice or I have no understanding of the debt so I am asking the company to remove this item from all my credit reports until you have all proper documentation and validation just putting the info on my credit report is not validation.
Product: Credit card

I received an offer in the mail From Citibank, it said 5 % cash back on grocery store purchases. When went to apply online I noticed it did not include the 5 % cash back on grocery store purchases. I called them to confirm and they told me that this offer does not include 5 % cash back. It says very clearly on the paper document I have that this is part of the offer. Many people will apply online without reading as carefully as I did and will think they are getting more points for grocery store purchases. This feels very deceptive and low give the price of groceries right now, it will be very appealing to many who will get an unpleasant surprise when their statement comes.