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

Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate these accounts/addresses were in dispute within 30 days now these accounts/addresses in violation XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$320.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX : {$610.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX
Product: Credit card

I believe my credit card was used fraudulently. I do n't understand how the card was used since it did not leave the cardholder 's possession. The card company did not provide copies of every charge. Dates and times of many charges could not have been made by the card holder. XXXX or more copies of receipts clearly show a signature that is not of the card holder. I believe the pattern of charges are consistent with obvious fraud. At no time did the card company contact me and question or ask about the charges. The charges exceeded the indicated credit limit and the card company allowed them anyway by just raising the limit. No explanation as to why the charges valid have been given. The card company response is just " ... determined that the transactions were valid ''. There has been no response with any substance to my letters or questions.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX CO 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian provided information to the lender " XXXX XXXX. '' While applying for a credit card. I was denied credit based on " an alert '' in my Experian report. I was not contacted by XXXX XXXX, nor Experian to idenify myself or actually checked. My credit was run, and I was instantly denied without any further actions by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : This is my second complaint reporting that my identity has been stolen and accounts had been opened in my name with out my knowledge, however your company is refusing to block these information in accordance with the fair credit reporting act this report is been created in effort to clear my name. 
A copy of my drivers licence social security and a utility bill is attach to confirm my identity. I am requesting that this account must be removed from my credit report as per the FCRA fraudulent account must be removed from consumers credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I manage all the bills, including accounts belonging to my husband, and they are paid on time if not before the due date with minor exceptions. The mortgage blemish from almost 7 years ago is the only negative on our report and resulted from the downturn in the economy affecting my husband 's employment. I 'm therefore confused why my credit score is always lowered or dramatically affected for foolish reasons. Only varying factor is my gender.
This complaint is frankly for the sexism I 've experienced from credit score companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to remove fraud accounts off my credit report, they have also not provided me a answer on my dispute within 30 days. They have violated my rights under : I have also submitted the certified mail for proof experian is in violation. 


The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ) 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of below accounts need to be deleted immediately : 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

i do not know how someone gained my information, i saw the following accounts on my credit last month when I checked it: 

Accounts:
Credit Acceptance Corp

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Inquiries:

XXXX XXXX XXXX XXXX
XX/XX/XXXX

CREDIT ACCEPTANCE
XX/XX/XXXX

XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX
XX/XX/XXXX


XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX XXXX
XX/XX/XXXX

XXXX
XX/XX/XXXX

XXXX XXXX
XX/XX/XXXX

XXXX XXXX
XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My information was comprised in the Experian XXXX breach back in XXXXXXXX XXXX XXXX and have significantly harmed my credit report resulting in the dropping of my credit score and denial of credit by creditors.
Product: Debt collection

XXXX-17 XXXX XXXX {$230.00} Didnt receive any notification from of this debt, no phone calls and no notification in the mail
Product: Debt collection

I received a call from XXXX twice on XX/XX/year>. Once at XXXX and again at XXXX. The first call I received, I answered and the rep stated his supervisor wanted to speak with me. He stated he was from Orion Capital and that's all he said. Once the female supervisor got on the line, she asked me to verify the last four digits of my social in order for her to explain why she was calling me. I told her it is not safe for me to give my personal info over the phone. Finally after 4 minutes of her going round and round about she has to verify info before explaining why she was calling, I told her I was at work and I can't go in circles while at work. She finally said this was ridiculous and hung up. 
At XXXX, I received a call from XXXX at my place of employment from the same supervisor. 
It is against the law for these types of tactics.
Product: Mortgage

RUSHMORE LOAN MANAGEMENT SERVICES IS A THIRD PARTY DEBT COLLECTOR. I Have sent them several notices asking them to cease contacting me regarding this debt. They became the servicer while, I was trying to remodify the mortgage. The Old servicer transferred assignment to them which cause the process to start all over again. When were not behind on the mortgage, but the old servicer would not accept payment while the remodification was in process. 1 year went by and they transferred the assignment to Rushmore Loan management Services LLC. Rushmore Fraudulently referred this Mortgage to XXXX XXXX XXXX XXXX XXXX to commence Foreclosure proceedings. Rushmore Claims XXXX is the note holder. XXXX has not responded to any notices, only XXXX has responded my concerns that were addressed to XXXX claiming that I do not have an account with them. See attachments for details.
Product: Credit reporting

XXXX and XXXX have reported that there was an address change that is not true. I have never visited, lived in or know anyone in XXXX, ca.
Product: Checking or savings account

On XX/XX/19, my husband and I met with XXXX at Capital One 's XXXX, NY branch. This meeting took place after many previous phone calls and visits. Our issue has not been resolved. 

PENDING Chargeback HOLD PLACED FROM TRIPS {$50.00} Appears on statement as : Chargeback HOLD PLACED FROM TRIPS PENDING Chargeback HOLD PLACED FROM TRIPS {$50.00} XXXX Chargeback Refer to Maker {$50.00} XXXX Chargeback Refer to Maker {$35.00} XXXX Chargeback Refer to Maker {$200.00} XXXX Deposit correction debit {$35.00} XXXX Chargeback Refer to Maker {$200.00} XXXX Mobile Deposit Adjustment XXXX DR {$50.00} Appears on statement as : Mobile Deposit Adjustment XXXX DR XXXX Mobile Deposit Adjustment XXXX DR {$50.00} XXXX Mobile Deposit Adjustment XXXX DR {$50.00} XXXX Mobile Deposit Adjustment XXXX DR {$1100.00} XXXX Mobile Deposit Adjustment XXXX DR {$50.00} All of the above are income that either my husband or myself earned. We work hard for our money, yet it was taken away by Capital One. I am a vendor working for multiple companies. Often when I tried to deposit a check online that was from the same company for the same amount, yet different dates of service, I received an error message saying that they have already received this deposit. When I called Capital One to try to resolve this issue, I was told that I needed to go into the branch to deposit the checks, which I did. I still had issues. I would deposit a check for {$50.00}, it would go through, then when I checked my bank statement it would say minus {$50.00} due to a " mobile deposit adjustment '' or " chargeback ''. An irate employee - XXXX XXXX - from one of the companies I work for - XXXX - called me to complain about a chargeback for XXXX XXXX. I explained to her that it was the bank 's fault, not mine. She threatened me, saying that I " owed '' the company {$50.00}, and if I didn't " reimburse '' them, I would never be allowed to work for them again. My husband and I have done nothing wrong, yet we are being penalized. I have made many calls and visits to Capital One, and this issue is still not resolved. They appear unconcerned, not taking our problem seriously.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair credit Reporting Act.The list of account are violating my federally protected consumer rights 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 XXXXXX/XX/XXXX After reviewing my TransUnion credit report, I found inaccurate information that leads me to believe the company is in violation of my rights under 15 USC 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy of the information they report. Additionally, under 15 USC 1681s-2, furnishers are required to provide accurate data to credit bureaus, yet these errors have persisted despite my attempts to correct them directly with the furnishers. 

These inaccuracies are negatively affecting my life by limiting my access to credit, impacting financial opportunities, and causing significant stress. Worse, the presence of inaccurate information can increase the risk of identity theft, as false data or unresolved disputes can leave my personal and financial details vulnerable to misuse. I have disputed these inaccuracies, but the credit bureaus have failed to conduct a proper reinvestigation as required by 15 USC 1681i-5. 

I kindly request that the CFPB investigate these violations to ensure that both TransUnion and the furnishers are compliant with the Fair Credit Reporting Act and correct these errors. Your attention to this matter is greatly appreciated.
Product: Checking or savings account

I have a checking account with Huntington Bank. On XX/XX/XXXX, Huntington assessed two ATM bank fees that I do not recognize and did not authorize including : 1 ) {$7.00} fee to check balance at ATM ; and 2 ) {$31.00} non-Huntington Bank ATM fee. I did not and would not ever have agreed to or authorize ATM fees this big, and I do not recall being asked to approve these fees. Also, on XX/XX/XXXX, I had a lengthy conference call with a Huntington Bank supervisor where I filed disputes for unauthorized, fraudulent transactions. The supervisor agreed to reverse multiple banking fees assessed in the past month. However, the two fees identified above had not posted yet and therefore were not reversed. So, on Friday, XX/XX/XXXX, I called Huntington again to have these two, newly posted unauthorized fees reversed because they fall within the time period of fees the supervisor agreed to reverse during the XX/XX/XXXX phone call. But, a supervisor named XXXX and his immediate superior XXXX refused to honor the prior supervisor 's promises despite how they reviewed the XX/XX/XXXX internal supervisor notes that confirmed same. Significantly, the disputes I filed on XX/XX/XXXX remain pending. As such, Huntington 's refusal to reverse these unauthorized {$7.00} and {$31.00} ATM fees that I did not know about constitutes a direct violation of Huntington 's own internal written customer protection and disputes policies, as well as the explicit promises made by the prior supervisor on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My credit report has a voluntary repossession that resulted from my suing the company for breach of contract after which the company sued me for repossession of the mobile home, my lawsuit is still pending, but suite for repossession went forward. I have a suit against the company for breach of contract And I also have a suit for payment for rental space that the property took up for a year none of which have gone to court and I cant understand how my statement with proof does not remove this voluntary repossession and the cost of the mobile home from my credit report, it shows as a voluntary repossession, but it also shows the balance due I never made a payment on this property and when I called and asked for an investigation or did a dispute credit wise and XXXX, all of the other credit reporting bureaus removed XXXXXXXX XXXX  from my credit report Experian refuses to remove them, and I am not understanding if I have proof that I file suit against this company and this is a two-way thing, why does XXXX get to put damaging information in my file and Im not being able to dispute it and you are in Experian doing a full investigation when I attempted to question this I was told Id have to call XXXXXXXX XXXX no why would they help me when I have a lawsuit against them I feel that I am being treated unfairly, and that the Experian is showing bias by not removing this disputed matter which is really a legal matter between XXXX XXXX , and myself..
Product: Vehicle loan or lease

Ally Financial STOLE my car while under Federal Lawsuit and still have repossession on my credit report and never saw car when they took the car. Never gave notice and ignored being under Federal Lawsuit.
Product: Credit card or prepaid card

My number is XXXX please call yMy name is XXXX XXXX XXXX XXXX My identity has been stolen my credit card my social security card been stolen XXXX XXXX XXXX XXXX XXXX I was notified that they have used my identity to receive my social security benefits without my permission I am on my way to social security office I was informed that day used my name to get my social security benefits and I'm not receiving my social security benefits I didn't give them permission to do that can you help me please I am homeless and all I have is my XXXX and they have gotten my XXXX and I need help with getting it back I did not give them no right to to get my my XXXX and I need help and I would like to have them arrested for
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$450.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I logged into the Transunion website to report an incorrect address but the dispute section was not working. I never lived in GA so this incorrect address needs to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have had the same address for the past decade XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX See attached files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I monitor my credit daily ok. 
I get updates and credit alerts from everywhere. 
I just got an update on XX/XX/XXXX and again on XX/XX/XXXX that my credit was the same as its been for almost two months it was XXXX. 
Keep in mind I have had no changes OTHER than amounts " decreasing '' from my total debts. 
On XX/XX/XXXX I got an update from the bureaus ( TRANSUNION AND XXXX ) that my credit went down 38 points DUE TO A NEGATIVE REMARK CHASE POSTED ON MY ACCOUNTS. 
I pay XXXX  on time EVERY MONTH. 
I spoke to Gentleman in the XXXX Credit Bureau Correction dept about the error. 
I was given information that the remark shouldnt have made my score go down BUT AGAIN IT DID. 
He also tried to blame it on a " third party applicator '' BUT NO SIR THIS CAME DIRECTLY FROM TRANSUNION AND XXXX My credit score decreased drastically soley bc of the NEGATIVE REMARK XXXX ADDED TO MY ACCOUNT. 
XXXX needs to STOP adding UNECESSARY remarks on my credit file. 
IF IM NOT LATE DO NOT ADD ANYTHING TO MY FILE. 
DONT ADD NONE OF THAT TO MY CREDIT FILE BC IT DECREASES MY CREDIT SCORE DRASTICALLY I'm a credit specialist OK. 
I monitor my credit 500 times a day. 
I'M ADDING PICTURES TO SHOW HOW MY SCORE WENT DOWN SOLEY BC OF THE REMARK XXXX ADDED TO MY ACCOUNT. 
Not even sure why they added that UNECCESSARY REMARK ON MY CREDIT FILE PERIOD. 
THE GENTLEMAN EVEN TOLD ME OUT HIS OWN MOUTH SOMETIMES WHEN XXXX ADDS REMARKS PPL HAVE CALLED IN AND STATED THEIR SCORE WENT DOWN. 
THIS NEEDS TO BE INVESTIGATED INTERNALLY. 
XXXX NEEDS TO REMOVE THE REMARK THEY JUST PLACED ON MY FILE ON XX/XX/2019 REGARDING THAT DISPUTE. 
AND IT NEEDS TO BE REMOVED EXPEDITIOUSLY. 
A DISPUTE WAS FILED BUT IT HAD NO BEARING ON ANYTHING BC IT WAS ONLY FOR {$30.00} AND I NEVER FOLLOWED THROUGH WITH IT. 
IT WAS NEVER PROVISIONALLY CREDITED OR WITHDRAWN FROM MY ACCOUNT. 
IT LITERALLY DID NOTHING. 
XXXX may not know that what they are reporting or the words they are using is hurting consumers but it is IF IM NOT LATE DO NOT ADD NOTHING TO MY CREDIT FILE. 
You should be reporting my ON TIME PAYMENTS and THATS IT DONT ADD ANYTHING ELSE OK. 
ABSOLUTELY NO OTHER MITIGATING FACTORS CAUSED MY SCORE TO DECREASE LIKE THAT EXCEPT THAT REMARK THAT WAS ADDED AND AGAIN MAYBE XXXX CREDIT BUREAU DEPT DOESNT REALIZE THE UNECESSARY REMARKS THEYRE ADDING TO CONSUMERS FILES IS  DECREASING THEIR SCORES SO NOW THEY KNOW AND THEY NEED TO STOP OR I WILL FILE A LAWSUIT AGAINST XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I received a copy of my credit report and found the following inquires to be in error : ( XXXX  XXXX XXXX XXXX & XX/XX/XXXX ), and ( XXXX XXXX XXXX  XXXX XXXX- XX/XX/XXXX ) By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.
Product: Credit card or prepaid card

I have receive a notice on XXXX XXXX from CITI Master Card, about my account being " CLOSED ''. Apparently noone informed me, ahead time, about the fact that they believe that because I had " NO '' activity on my account in the last two years that this action was necessary. I have had this master card from more then ten years and NOTHING like this has very happen. Why would CITI take this step all of a sudden. I retire a few years back, and I have had no need to use my credit card, but If i need the use of this card at any time in the future. I think that I have earn the right to maintain my credit card without being subjective to CITI closing my account. I got in touch with a representative, and she indicate on the phone that I hadn't use my master card in a couple of years, therefore, they had the right to automatically close my account. This seem like a strange reason for CITI to take this action. Therefore I would like for CITI to apologize to me, and offer me extremely generous credit rate for making me have to take the action that I feel is unnecessary. I hope that CITI doesn't treat all of their customers this way. Sometime I feel like this might be happening, because I am a XXXX years old XXXX. I hope that this is not the case. I know that in many cases " XXXX '' have felt like they have experience discriminate in the financial industry.