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

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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

This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX , XXXX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent me a Notice of a Data breach which occured in XX/XX/XXXX. However it was not made known to me until XX/XX/XXXX. My date of birth, social security number, driver 's license number, financial account information, medical information, etc had been leaked. 

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. I've placed a freeze on my credit report with all three credit reporting agencies.

15 U.S. Code 1681e ( 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 to whom the report relates.

15 U.S. Code 1681i ( 5 ) ( Treatment of inaccurate or unverifiable information ) ( a ) In generalIf, 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 : 1. 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 2. Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the credit consumer. 
Please remove the following accounts from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights, 15 U.S.C 1681 section 602A. States i have the right to privacy, 15 U.S.C 1681 Section 604 a Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

I have an Auto Loan with chase, however in XXXX, when making the XXXX payment, the payment went to the principal due to an error in the system. I never wanted to pay the principal, I was just making my monthly payment normally. I can't speak to Chase on the phone. I ask that the payment made in XXXX be reversed and applied to the payment due in XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor ( XXXX XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681 SECTION 602 states that I have the right to privacy, 15 USC 1681 SECTION 604 a section 2 a consumer reporting agency can not furnish an account without my written instructions, now under 15 USCS 1666 B a creditor may not treat a payment on account under an open consumer credit plan as late for any purpose. I am filing this complaint regarding an inaccurate item on my credit report that continues to impact my credit negatively. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 60 days ago to this bureau or theses bureaus and they are disregarding a regular consumer disputes. I'm stressed out and have been sending letters to have theses issues resolved before this and still no response. This is stopping me from pursuing my future for me and my kids
Product: Credit reporting, credit repair services, or other personal consumer reports

This bill with XXXX XXXX was reinstated on my credit report XX/XX/XXXX. I have proof it was not on my report before. It had been removed several years ago. After it was removed it was sold twice. Stellar recovery is now reporting it as XXXX, I disputed the original amount when on report. It was XXXX. I had turned in equipment and they never fixed balance. XXXX is ignoring this as I have credit report from them in XX/XX/XXXX and this is not on my report. I 'm attaching all evidence. They are not investigating and are just closing case.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank offered me a settlement on a closed checking account of mine which had a negative balance. The settlement amount was {$270.00} the original amount was XXXX. I paid the settlement amount on XX/XX/2023. I requested a letter confirming that I paid this amount. I received the letter from XXXX BANK which is dated XX/XX/2023. The letter states that the account is considered settled in full and will be reported accordingly and no further balance will be due to XXXX BANK which is great for me. Then to my dismay I received a letter from Chex Systems stating that I made a partial payment and that a balance of {$400.00} The letter stated the source of the information was from XXXX BANK I sent the letter that XXXX BANK sent me to CHEX SYSTEMS and called them and they told me they received it but couldn't change the status of the account until they did another investigation and confirmed the validity of the letter I got from XXXX. I called XXXX BANK to ask why my letter says one thing but they are reporting another and the myriad of explanations I got were bizarre. The first representative I got attempted to tell me well it is a partial payment and that what a settlement is, as I argued with this rude young woman and told her the letter that I have says the account is considered settle in full and no balance is owed she hung up on me. Then I spoke with a supervisor who told me they can't control the wording of Chex Systems. I asked what was reported to Chex Systems and the sup said well we just send them an alert we don't send them letters however the representative I spoke with before said they sent Chex Systems the letter so I'm being lied to. I have a bank but it is out of state and I want to switch to a local bank but I can't because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Product: Credit card

I have contacted this company about identity theft as someone stole my credit card and made fraudulent charges. They did not help with that process so then I told them to close my account and they refused saying that I must pay the full balance and then they could close it. This violates my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian contiunues to defy authority of CFPB and US Government in refusing to address issue raised of its false and inaccurate calculation of revolving utilization ratio and credit score. 

To be crystal clear, NO sources of information outside of Experian are under dispute, and NO authorization has been given by myself to initiate any dispute on any sources of information or any individual item on the credit report. 

The ONLY investigation authorized is internal procedures using accurate data where Experian is inaccurately calculating utlilization ratios and credit score, resulting in false reporting of both revolving credit utilization ratio and credit score data. 

Any attempt to address any subject other than stated above would constitute a criminal attempt of Obstruction of Justice under Federal law
Product: Mortgage

US Bank repeatedly mails me statements that do not reflect my payments, which are always sent in on-time. They threaten late fees when it is apparent that they simply jump the gun and prematurely send out statements with a double balance. My monthly amount due is {$1400.00}, but more than once, US Bank has sent me a statement for {$2900.00} because they are too incompetent to wait 2 days for a payment to arrive before they generate another statement. The new statement then threatens late fees for not paying on time, when I always pay on time AND I overpay my principal. This results in me having to take time out of my day to deal with their frustrating automated telephone menus and long hold times to get a new, accurate statement generated and verify that these crooks actually properly processed the payment I sent on-time.
Product: Debt collection

Never gave me an account number or itemized bill or payment information or signature on original contract!
Product: Credit reporting, credit repair services, or other personal consumer reports

Payment information not recorded accurately. Account was in forbearance, then listed as being past due.
Product: Debt collection

I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : PUGET SOUND COLLECT. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX, WA XXXX. I was advised by an attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. It has been 60 days since I mailed that out, and under the FDCPA, the debt collector had 30 days to respond, and did not, which is a violation of the FCRA and FDCPA. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and PUGET SOUND COLLECT has NOT removed this account from my credit reports, or have sent me any kind of validation. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. In addition to this, they're reporting that they originally purchased this collection on XX/XX/2013. The statute of limitations starts when a debt FIRST becomes delinquent. Even if the first delinquency of this erroneous debt with the original creditor was on the SAME date that this debt collector purchased the debt, there would only be 9 months left in the statute of limitations. Title 4, Chapter 16 of the Revised Code of Washington ( RCW ) outlines the various statutes of limitations for debt collection in the state. RCW 4.16.040 gives written contracts and accounts receivable a statute of limitations of 6 years before the unpaid debt becomes time-barred. RCW 4.16.080 stipulates that oral contracts have a statute of limitations of 3 years. Thank you for helping me resolve this matter.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX Transunion, and XXXX is reporting incorrect information on my credit file from XXXX XXXX XXXX. This account is listed as a charge off with Transunion with last payment on XX/XX/XXXX with no late payment and no information on when account was closed. XXXX reports as charged off last payment on XX/XX/XXXX with XXXX late payments for 90 days and no closed date
Product: Checking or savings account

I filed an dispute on XX/XX/2021 it was XXXX XXXX transactions I later found out my brother did it do I want to cancel. Its taking money from people XXXX XXXX account now its saying I owe them. Im going to pay the credit money back to you guys. But its charging back the people who XXXX XXXX account it is also so now I owe double is it some way you guys can reverse that
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I applied for a XXXX credit card through XXXX XXXXk. I was immediately denied credit. The reason was that my credit score was XXXX. I did not think that was correct. I pulled my credit reports only to find my lowest score was XXXX. Where did they get the information? Now I can not apply to anywhere else because I do not know this information came from.
Product: Credit reporting or other personal consumer reports

The information the company has is mine but the account isnt mine someone used my information and made an account without my knowledge! 

I DID NOT MAKE THE ACCOUNT
Product: Credit reporting or other personal consumer reports

Im extremely upset with equifax Ive sent in dispute letters Ive made complaints with the XXXX and the cfpb but yet they still want fix this matter what address is associated with the following accounts. XXXX XXXX XXXX. If they cant provide the information Im requesting as a consumer then it needs to be removed immediately
Product: Mortgage

I went to may my mortgage online with Nationstar on XXXX XXXX, 2015 and when I went to pay my mortgage there was an additional charge for a transaction fee of {$9.00}. My mortgage payment is not considered late until after the XXXX of each month and if they do not receive the payment they charge 5 % of the amount of the mortgage. If I pay online prior to the XXXX of each month there is no transaction fee. I called and they say it is a convenience charge. Would n't it be convenient for me to pay my mortgage online anytime. What difference does it make that I pay on the XXXX vs. the XXXX or XXXX. They still sweep my account the same day I submit my payment from my checking account and they receive the money before the XXXX. If I sent them a check and they received it each month on the XXXX they would need to process the check and get it cleared from my bank before they credit my account. When I make my payment online it is done automatically. So I ask why they charge on the XXXX a {$9.00} transaction fee when prior to that there is none. Please investigate as I believe Nationstar is ripping the consumer off. 

Thank you for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts and information in question are as follows : XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.
Product: Debt collection

In XX/XX/XXXX I went to a car dealership that I'm loyal customer with and have bought several vehicles over the years. This time I had a considerable amount of negative equity on the vehicle that I wanted to tread in, and I don't thought was possible to buy a new car without covering the balance. The salesman tell me that I had the option to leave my vehicle at the dealership and that will get repossessed by the bank. He said that the only give this option to loyal customers, and the negative equity would get write off. By doing this way I would start a new loan, without the negative equity amount. I was hesitant to agree at first, but they ensure me that everything was going to be fine. He said that will affect my credit score. What they don't tell me it is that now the bank still require that I pay the remaining amount of the loan that was suppose get write off. In XX/XX/XXXX the bank send me a letter requiring payment of the deficiency balance. In XX/XX/XXXX they sent me a letter from a collection agency. Now I'm risking a judgment and bankruptcy. Since I live paycheck to paycheck, I don't see how I will be able to pay. 
I was mislead by a deceptive practice into the purchase of a new vehicle!
Product: Credit reporting, credit repair services, or other personal consumer reports

All information in accurate and I have also been a subject to identity theft with numerous company like XXXX. I have been receiving calls from places I have never heard of before.
Product: Credit reporting or other personal consumer reports

Follow-Up Dispute of Inaccurate Bankruptcy Reporting To Whom It May Concern, I am writing to follow up on my previous dispute regarding the inaccurate reporting of bankruptcies on my credit report. I previously submitted a dispute, along with an official letter from the United States Bankruptcy Court for the XXXX XXXX of Michigan, which explicitly states that they do not report individual bankruptcy filings to credit bureaus. Despite this, my dispute was denied, and the inaccurate bankruptcy remains on my report.
Product: Checking or savings account

On XX/XX/year>, I noticed an incorrect ST OF IA Unemployment deposit in my Capital One checking account. I had never lived in or applied for unemployment benefits in Iowa, so I immediately contacted Capital One customer service to report the issue. I also visited a Capital One branch in person to inform them of the mistake and to ensure that the funds were not used.

Despite my quick action in reporting the issue, Capital One permanently closed my checking account without providing a clear explanation. I was not responsible for the incorrect deposit, and I took all necessary steps to report it. Instead of resolving the situation fairly, my account was shut down, restricting my access to banking services. 

I have remained a loyal Capital One customer, holding both a credit card and an auto loan with the bank. I have requested a written explanation for the closure, and reconsideration of reopening my account. However, I have not received a satisfactory response. 

I believe this account closure was unfair, and I am seeking a resolution to restore my access to banking services.
Product: Mortgage

A Mortgage company, DHI, and my Mortgage Broker, XXXX XXXX, who is an AGENT for DHI MORTGAGE COMPANY, interfered with a contractual relationship I had with my builder, who sold me the new home, and my real estate agent and her broker, who agreed that I was to get a " CASH REBATE '' of {$2000.00}. The Mortgage Broker Company, DHI, and their agent, XXXX XXXX did the following : He informed me, 5 days, prior to my new home closing escrow, that DHI MORTGAGE CO. would n't fund my loan, as per XXXX Requirements, if I ( XXXX-buyer of new home ), were to receive my legally agreed upon CASH REBATE. The CASH REBATE FORM WAS LEGALLY SIGNED by the XXXX parties agreeing that I 'd get the {$2000.00} cash rebate. XXXX XXXX, mortgage and agent to DHI Mortgage CO. forced me under DURESS AND BY COERCION and by FRAUDULENT MISREPRESENTATION, to sign a VOID FORM, voiding my {$2000.00} CASH REBATE THAT I WAS LEGALLY ENTITLED TO RECEIVE. He also, " legally '' interfered with a CONTRACTUAL RELATIONSHIP I HAD with the Builder and Agent, who XXXX signed that CASH REBATE FORM, legally guaranteeing me that I WAS TO RECEIVE the {$2000.00} UPON CLOSING ESCROW. LASTLY, it is ILLEGAL to INTENTIONALLY LEAVE OUT SIGNED FORMS that are PART OF THE PAPERWORK, ESCROW, etc. The CASH REBATE FORM, guaranteeing my {$2000.00}, and the VOID form, which I was forced to sign, WERE INTENTIONALLY NOT INCLUDED IN THE FINAL ESCROW PAPERS. Even though DHI Mortgage and Their Agent, XXXX XXXX did n't sign the REBATE FORM, he did legally and INTENTIONALLY INTERFERE with me getting that CASH REBATE, by refusing to FUND MY MORTGAGE LOAN, 5 days, prior to closing. It takes a couple of months to submit papers, run credit checks, have them check my employer, etc. Nobody in their right mind would walk away from a new home after being approved and the loan ready to fund within a few days, and this is the only way the funding would occur, is if I would forfeit my {$2000.00}. It is n't as though I was working separately with a bank or separate Mortgage Co. Remember, the BUILDER OWES and operates DHI MORTGAGE COMPANY, so XXXX XXXX knew EVERYTHING THERE WAS regarding all paperwork, contracts legally signed, etc.
Product: Debt collection

I recently noticed that the below fraudulent accounts were posted on my credit reports. I have never had any services with XXXX XXXX and do not own this debt. Never received any paperwork about this, no requests, nothing. Asking to have this deleted from my credit files as this is not mine. 
XXXX XXXX. 

EVERGREEN PROFESSIONAL {$4300.00} Reported balance Original balance {$4300.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Joint Remarks Placed for collection Original creditor name XXXX XXXX EVERGREEN PROFESSIONAL Last reported Apr XXXX, XXXX {$900.00} Reported balance Original balance {$900.00} Opened XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Joint Remarks Placed for collection Original creditor name XXXX XXXX