23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On the XX/XX/XXXX, my husband and I went to the XXXX XXXX fair and purchased a mattress. Upon purchasing, the salesman whose name and information I can give upon request informed me that I would need my credit checked before purchasing, meaning he asked for my husband and I personal information. After informating us multiple times and reassuring us that this would only have a small hit on our credit and we would get 0 % interest on the mattress we purchased we signed the agreement. Before signing he mentioned that payments would be made through a credit card, we specifically said we did not want to apply for a new credit card and that we were more then happy to make payments through the credit card we already have per seeing the paperwork we were about to sign. He assured us that this was possible however, today my husband and I checked the mail to see that we have received a new credit card with synchrony with an extremely high interest rate of 30 %. When attempting to call the salesman directly in order to confront the issue he did not answer our calls, after which we called the card company and they said all that could be done is that we report it or call the salesman. We then called mattress firm and they said all that could be done is them emailing the salesman and the supervisor of the fair, however they told me that was all that could be done and it would take a while for them to get back into contact with us. I am extremely upset and confused on how to continue as I have been given very different information. When I called the credit card company they told me to contact you or the sales company, and when I contacted the sales company she informed me that I should not contact you guys unless I want to refund the mattress, which is something I dont want to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX equifax and XXXX hace derogatory listed on my profile.i am disputng those derogatory posted.
Product: Credit reporting or other personal consumer reports

I have have file several disputes with Equifax regarding the XXXX account. This account has a status of " NOTAVAILABLE '' which constitutes a violation of FCRA. Equifax is responsible for making sure the information posted in my credit profile is complete and accurate. They have failed to comply with this requirement. 

Additionally, I have also requested that they provide a description of the procedure used to determine the accuracy and completeness of the information contained for this account as indicated in FCRA Section 611, paragraph ( 6 ) ( B ) ( iii ) and they have failed to provide this information as well. 

When I contacted them via telephone, they only insisted that the account was under investigation and could not remove the information. Every time their investigation is finished, the account is placed again under investigation so as to avoid have to remove the account. Even if I had no pending investigations.
Product: Debt collection

On XXXX/XXXX/XXXX I sent this company a letter asking them to delete a account showing that I owed a company XXXX I. Paid this debt of in XXXX and they refuse the incorrect info
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied XXXX  XXXX  XXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXX XX/XX/XXXX {$150.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I Disputed the payment accuracy of this XXXX  account XXXX that is now closed I requested proof that all these payments were in fact late but looks like they are only re-arranging the late payments between months and updating them which I have proof of this also payments are reporting with different statues across all three bureaus how is that possible? In XXXX on XXXX XXXX XXXX XXXX and XXXX are all 30 days late and XXXX marked as 60 days late the account was closed in feburary how are payments still being reported as " on time '' for the remaining months on a closed account? the " update statues '' states " too new to rate '' this account is closed with XXXX year payment history not possible next thing on experian XXXX and XX/XX/XXXX are marked as 30 days late but XXXX XXXX XXXX are current where equifax is marked as late which one is it? XXXX again reporting different statues from the other XXXX XXXX XXXX and XXXX are late XX/XX/XXXX is late but is current on the other two I am demanding that this account be removed from my credit report by law all three bureaus have to be reporting the exact same accurate information in addition the payment history/ dates late across the board have numerous innacurate information All 3 bureaus are provided with same reporting information and have failed to report accurate information after if any negative remark is found that is innacurate or keeps reporting i will not hesitate in bringing legal action against XXXX for violation of FCA after deleting this account please provide me with an updated credit report reflecting the changes.
Product: Credit reporting or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of accounts/items that do not belong to me or were opened without my permission. 
XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Mortgage

After numerous months and dozens of phone calls, complaints, and Internet correspondence, were still trying to get our money from this company. They say they have guidelines for releasing funds, however nothing has been consistent or logical since the beginning. We are now down to approximately {$400.00} of {$78000.00}. However, due to their extreme incompetence, lack of judgment, or just sheer stupidity, this money will not be released. We have been told the house needs to be 80 % complete, 90 % complete, and 100 % complete. Which is it? We have had several inspections showing the house is being repaired, and is now supposedly 85 % complete. When making inquiries, the customer service reps have been rude, condescending, and just plain amateur. Obviously, {$400.00} will not fix the rest of our house, as there still is approximately {$50000.00} worth of work to be done. Its as if they want to hold this money just to prove a point. They are paying more for inspectors to come out to look at the house than the actual {$400.00} that remains. We have tried to speak with supervisors, upper management, and anyone who could possibly make a rational decision. However no one seems to know who these people are, or who they actually work for. It is like trying to reason with a group of four-year-olds. They need to release the rest of her money, and move on. Hopefully in the future they can adopt consistent guidelines for releasing funds, and follow through with such directives. We have uploaded numerous paid receipts which are somehow lost, even though this is done electronically. They overlook paid receipts, misread these receipts, or just plain do the math incorrectly. Again, the incompetence level is astonishing. This mortgage company is nothing but a scam. They are profiting off of holding peoples insurance money, while we suffer, unable to finish the repairs on our home.
Product: Mortgage

I request carrington for a forbarance no help repayment plane would put me so behind wich i can not afford now i am XXXX my wife also out of work im seeking pause payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed negative/incorrect information on my credit report and didn't get a response back
Product: Credit reporting or other personal consumer reports

The 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 I  looked at my Experian credit report on XX/XX/2024 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 suppose 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

I have 14 inquires that doesn't belong to me ... My information might have been impacted by the XXXX data breach and may have got into hands of the wrong people... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 card

I have had multiple accounts with chase for years, I recently moved to California and unfortunately was a victim of mail fraud. Chase randomly mailed me a new chase freedom card and it was taken from my mailbox. I noticed multiple charges on my account from various online casinos. I immediately called chase to report these charges. I was told not to worry about it because they have a XXXX XXXX fraud protection and you will not be liable for any unauthorized charges. During there investigation, I wasnt asked for any information or shown any proof that these were correct charges.

Fast forward a month and all these charges get put back on my credit card and Im told that I benefited from these transactions. Which is completely false because I did not make them, and I never received anything from these companies. I immediately called Chase. I asked to reopen the case and asked to see the proof that I made these charges nothing was sent to me or emailed to me. I was only told that my name and email address was used so it mustve been me of course my name and email address was used because my mail had been stolen and clearly they had this information in order to use someones credit card. Youre going to have to place their name into the account. I have even tried to reach out to these merchants and most of them are out of the United States and I can not get in contact of any of them. Chase refuses to reimburse me for these charges and now I need to pay {$4300.00}. They even close all three of my credit cards with them. Im very disappointed in Chase and will never bank with them again. I have been a loyal customer of theirs for over XXXX  years and even was with them when they were Washington mutual.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after theXX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXXXXXX XXXX Opened Date XX/XX/XXXX Balance {$4600.00}, XXXX XXXX Opened Date XX/XX/XXXX Balance {$3300.00}, XXXX XXXX XXXXXXXX Opened Date XX/XX/XXXX Balance : {$13000.00}, ( Original Creditor : ) XXXX Date Opened : XX/XX/XXXX Balance : {$140.00}, and XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX 

This is your FINAL WARNING. Please BLOCK AND REMOVE the ACCOUNTS resulting from alleged identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to Equifaxs letter dated XX/XX/XXXXand received XX/XX/XXXX. Your letter states, We have received your request concerning inaccurate information on your Equifax credit file. We were unable to locate a credit file in our database with the information you provided. ... We ask that you please send us a copy of two different items one from each of the two categories listed below.

I have sent two letters to Equifax. On XX/XX/XXXX I received letter from the Commonwealth of Kentucky ( KY ) stating I had applied for unemployment insurance with the state of KY under their Pandemic Unemployment Insurance Assistance. On XX/XX/XXXX, I filed a Identity Theft Report with the FTC and one-year fraud alert with Equifax, XXXX, and XXXX XXXX. On XX/XX/XXXX, I called Equifax and spoke with an agent and confirmed my credit freeze was still in effect. At that time I asked the agent about the PIN I had received when I froze my account in XX/XX/XXXX. She told me Equifax no longer used the PIN and I could lift my credit either by phone or at their website. On XX/XX/XXXX, I received a post card from Equifax confirming the one-year fraud alert. However, the post card was addressed to my previous address. Please note, I moved from my previous address in XX/XX/XXXX. So Equifax did not have my current address on file for six years. I sent my first letter to Equifax dated XX/XX/XXXX to correct my address along with a copy of my Social Security Card and a copy of my CA drivers license. XXXX XX/XX/XXXX letter is now requesting I resend a copy of my Social Security Card and CA drivers license that I sent to them on XX/XX/XXXX. 
On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX saying I had applied for their credit card and in order to be approved I needed to contact Equifax to have my credit freeze lifted. I filed a second Identity Theft Report with the FTC and sent a certified letter to XXXX XXXX XXXX XXXX, a copy of the FTC report, and followed up with two phone calls telling them I am a victim of identity theft, I did not apply/authorize any credit card. I requested the account be closed immediately and I be absolved of any and all charges. 
In XXXX I received a letter from XXXX, dated XX/XX/XXXX, stating XXXX data had been breached, and we are writing to advise you of an incident ( Incident ) that may involve unauthorized access to some of your personal information. Given these three attempts at identity theft within five months, I was concerned about XXXX procedures for lifting my credit freeze and that led to letter No. 2. In my letter dated XX/XX/XXXX, I presented a situation where someone could spoof my phone number and lift my credit freeze without my knowledge, and I requested what additional steps I can take to ensure I was not a victim of identity theft again. I also stated I have no intention of lifting my security freeze and requested a seven-year extension on my credit fraud alert. As of today XX/XX/XXXX, Equifax has not responded to this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$0.00}
Product: Debt collection

On XX/XX/2020, I paid a debt with True Accord, whom was the collection agency for XXXX, XXXX. Since, they have placed the amount back on my credit report and drop my points by 20. I called and was told to contact True Accord, in which I did and they stated they would send the request a 3rd time in which True Accord stated they have sent the request. XXXX has refused to update their records and delete the account.
Product: Checking or savings account

On XX/XX/XXXX I filed a claim for several fraudulent ATM withdrawals. I explained that my debit card had been stolen along with my passport and XXXX credit card. I advised them that I did not make authorize these transactions. 

On XX/XX/XXXX I received notice that my claim was denied and to call them to get the information they used to investigate. 

On XX/XX/XXXX I contacted the claims department and spoke with a supervisor XXXX XXXX who stated that they will not honor the claim because my PIN number was used. I explained to her that I did not share my PIN with anyone and someone got a hold of it by another means. She refused to process my claim.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) I am submitting this complaint regarding violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by Experian Despite my previous correspondence, which requested the removal of the above-mentioned account due to inaccuracies and failure to validate the information as required by law, Experian has not conducted a proper investigation nor provided the required documentation. 
Reasons for Complaint : 1. Violation of the FCRA : o Investigation Requirements ( 15 U.S.C. 1681i ) : Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information.

o Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information provided did not comply with the permissible purposes outlined in the FCRA. The verification process failed to meet the established standards for handling and reporting information. 
o Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued inclusion of this bankruptcy record and associated accounts infringes upon my privacy rights. The failure to follow appropriate procedures for handling sensitive information constitutes a violation of this section.

o Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a dispute. To date, I have not received this required information. 
o Invocation of 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) : I am invoking these provisions to request the removal of this account and to demand proof of its verification. The failure to complete this verification constitutes an abuse of my rights.

2. Violation of the TILA : o Disclosure Requirements : Experian failed to provide accurate and timely disclosures regarding the account status, breaching the TILA requirements.

3. Federal Consumer Protections : o Title 15, Chapter 41 : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.

o Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. The response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record.

Immediate Action Requested : Delete Immediately for Violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) : 1. Creditor Name : XXXX XXXX Account Number:XXXX Present below the inaccurate information persistently affecting my credit report.
Product: Debt collection

I was not eviction. I didn't own no money. The manager of the apartment Stat that in text message. I still that he was removed this my credit report. I been going back forward with him about having this removed. Now it's on my credit report 2 time. I only live there one time.

Accordance with the fair credit it reporting act XXXX  account # had violated my rights.

15 u.s.c 1681 section 602.A. state I ha e the right to priva y.

15 u.s.c 1681 section 604A sect63 : It also state a consumer reporting agency can't famish account without my written instructions