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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX SSN : XXXX | XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. 

When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.

You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

XXXX. Name of Account : XXXX XXXX XXXX Account Number : XXXX XXXX. Name of Account : XXXX XXXX XXXX  Account Number : XXXX XXXX. Name of Account : XXXX XXXX XXXX Account Number : XXXX Thanking you in advance for your anticipated quick co-operation on this matter. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing 2 Capital One Credit Card accounts reporting on my Credit bureau reports since XXXX 2017. I have disputed directly with the 3 bureaus as will as with the creditor that these two accounts are not mine and to provide contractual proof, validation and procedural requests that these accounts are mine and to remove them as they are hurting my credit score and file. I keep getting letters stating " Information updated '' or " Verified by the bureaus and the Creditor keeps sending letters asking me to send in additional information, sent me a copy of a bill and or says they see no evidence of fraud on the account. I am getting the run around here and I'm tired of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion & XXXX, you issued my credit report in XX/XX/2017 to XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX ( XXXX ) refuses to talk with me and refuses to send me a copy of the credit report used. The date of the report will reflect XXXX did not have permissible purpose to access my credit. I am requesting Transunion and XXXX to have XXXX send proof of the permissible purpose used to access my credit report for loan # XXXX. XXXX needs to send dated copy of credit report and fully completed and dated copies of anything else XXXX  submits. I request Transunion and XXXX  to review and then remove immediately the negative listings on my credit report. Please do not request XXXX  to investigate and then simply state XXXX is reporting correctly. I request Transunion and XXXX to validate this since XXXX  refuses to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a problem with Equifax for over 20 years reporting the incorrect information on my credit file. Today,    XXXX   XXXX   XXXX  , I  applied for a loan with my credit union and my score is  XXXX . Equifax has accounts that I have paid in full and on time listed in bankruptcy when they where never included in the bankruptcy. They are reporting accounts I never had and have disputed over and over, they remove them and send be a letter. The next year I pull my report, Equifax has put the accounts back on my report, so I have to file a dispute again. I do n't know what to do, Equifax is used by most banks and if they are constantly reporting the incorrect Score and information on my report it is causing me to be denied or pay a higher interest rate. This is unfair to me. You ca n't call them or speak to anyone.
Product: Checking or savings account

I submitted a fraud claim for a check of mine that withdrew money from my checking account at Citizens Bank with a forged signature. The missing checks were tied to a car break-in that happened to me over two years ago. This check was cashed on XX/XX/2019 for {$600.00} and the signature on the check is clearly not mine when compared to other checks. On XX/XX/XXXX, I received a notice from the bank that they are denying my claim, saying that it was my fault that my checkbook which was inside a bag, hidden and locked inside my car was stolen. I'm not sure how much more secure a checkbook can be aside from being locked in a safe. 

Furthermore, on XX/XX/XXXX, I've been notified another check has been cashed with a clearly different, forged signature for {$300.00} after I had already spoken with my bank to get my account frozen so that no further withdrawals could be made. The bank is still claiming the theft is my fault and requiring me to send a written letter to get the fraud case reviewed. I have called the XXXX Police Department to receive a case number for the forged checks. 

It is unreasonable to place the blame on the victim of a theft for their property being stolen when checks require signatures precisely to ensure that people are not fraudulently using them. If the bank can not be expected to compare signatures on the checks to prevent the fraud, what is the point of requiring signatures for checks in the first place?
Product: Credit reporting or other personal consumer reports

XXXX ARE NOT ACCURATE, IVE HAD MY PERSONAL INFORMATION ON THE DARK WEB. IM SICK AND TIRED OF REACHING OUT TO THE CREDIT BUREAS AND THEY DONT FIX THE PROBLEM. OLD INFORMATION OR INACCURATE INFORMATION STILL ON THE REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus did not conduct A proper " investigation '' according to the FCRA the term " Investigative Consumer Report '' means A consumer report or portion thereof in which information on A consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumers reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. None of the 3 Credit Bureaus ( Experian, XXXX, XXXX ) did A thorough Consumer Report Investigation to insure all information is complete, accurate and verified. I have included documented proof of inaccurate account balance, account open date, account date last active and date last reported
Product: Credit card

Over the past 18 months we have been victimized by identity theft. We reported the crime to the XXXX County Sheriff 's Department, XXXX. Our credit cards, which we have had with Bank of America without incident, have bee used to fraudulently charge XXXX of dollars. While most institutions have worked with us to remove these charges from our account, BofA refuses to remove XXXX from the XXXX, XXXX statement. 
I am a XXXX year old retiree and my wife suffers from XXXX. My wife is the principle cardholder, and been unable to use a computer for the past 3 years. As the frauds were occurring, BofA never notified us, even though we had never made charges in these amounts in 30 years. In fact the charges were well above our established credit limits. 
Our daughter XXXX is also a signatory to our account. When questioned XXXX freely admitted that she had shared the passcode with her fiance, and only her fiance. BofA is claiming that this makes us responsible. All of us, including the fiance, will agree to submit to a polygraph anywhere and anytime. Texas state law limits our liabiity to {$50.00} for credit card, and {$500.00} for cash withdraw. 

During initial conversations with BofA my daughter and I determined which charges were fraud, they agreed that the charges look fraudulent and would remove. In 30 years I had never been late on a payment, and with the understanding that the charges would be removed, I paid the bill in its entirety. At this age I wanted to be sure my credit remained spotless. 
Our community is outraged over the egregious manner we have been treated. In fact, through a neighbor, the local XXXX affiliate has inquired about doing a human interest story on our plight. 
Again in XXXX we were again victimized on our new BofA card for {$51000.00}. Again they never made a single phone call to us, in spite of our historically low charges and the problem we had in XXXX. 
I am a friend of XXXX and am helping him with this report. My name is XXXX XXXX, and I have know this couple for over 30 years, and know them to be above reproach.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to EQUIFAX Credit Bureau the date of the last letter was on XX/XX/XXXX. And now in the month of XX/XX/XXXX, still nothing from them. That means EQUIFAX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00}
Product: Credit reporting or other personal consumer reports

In XXXX I opened a credit card with Bilt and immediately set up autopay for the full statement balance. Due to a documented technical error in their payment system ( which I have an archived copy of ), my first-ever balance of {$30.00} was not processed despite sufficient funds being available. I discovered this in XX/XX/XXXX when I found a XXXX late payment on my credit report. I immediately paid the full balance that day. 

I contacted Bilt 's CEO in early XXXX requesting goodwill removal. Their team acknowledged the technical error and promised to work with their underwriting bank ( XXXX XXXX ) to correct the credit reporting. After over 12 months of follow-ups, they continue to claim they are " waiting for a response '' with no progress. 

This erroneous reporting has caused my credit score to drop by over 100 points. I have been denied several apartment applications specifically due to this late payment. I was forced to relocate to find housing that doesn't require credit checks, causing significant disruption and expenses. 

All three major credit bureaus ( XXXX, XXXX, and XXXX ) continue to show this incorrect late payment.
Product: Credit reporting or other personal consumer reports

I am filling a complaints XXXX for falling to properly Investigate my dispute regarding Inaccuracies In my credit report that despite my submissions, XXXX Consistently response within 24 hours stating the account is accurate, without providing any evidence offered through investigation that this practice violates for fair credit reporting a Act ( fcra ) ,15 U.S.C S1681i Which mandates A reasonable investigation of disputes that furthermore, XXXX action may also contravene The Consumer Financial Protection Act ( CFPA ) ,12 U.S.C S S 5536 ( A ) ( 1 ) ( A ) - ( B ) Is a highlighted in the CFPB 's Recent administrative proceeding ( File No. 2025-CFPB-0002 ) Against them for similar violation that I request that the CFPB Take action to ensure XXXX compliance with federal law and provides consumer with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently applying for a mortgage loan. I found out through the lender, that Equifax has once again, listed account information incorrectly. I have an XXXX XXXX credit account and instead of showing it paid off less {$.00} balance for the last XXXX days, they are reporting it as a SUSPENDED account with a much larger balance. It is NOT suspended and I have attempted to contact Equifax and it wo n't allow me to access my credit report AGAIN! They continuously report incorrect and old information and as a result they report a drastically lower credit score than the other 2 credit reporting companies, XXXX and XXXX XXXX. Equifax is also reporting a medical collection that has long since been resolved and retracted because of improper billing by the hospital and my insurance company at the time in the amount of {$990.00}. The result of this is that I have been denied a mortgage until it is cleared up and my report updated. They are causing me immeasurable financial hardship as well as making me look irresponsible in the eyes of the mortgage company and the people involved in this whole process. Recently I have been unable to even access my own reports due to their system being down and occasionally being told that they can not verify that it is me accessing my own report! How can a creditor access my report with only the last 4 of my social security number and a zip code yet I am unable to do the same by entering all the questions they ask to verify my identity?? Please help me!
Product: Credit reporting or other personal consumer reports

I disputed all charge offs in my credit report. The creditor claims it is still owed, but also wrote it off as a loss Inconsistent financial reporting. Per, Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) Requires furnishers ( creditors, debt collectors ) to report accurate information. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Equifax for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing that I owe them {$620.00} on my credit reports. I talked to them and they say I was a authorized user on this account i have never used or gave anyone permission to put me as a authorized user this is not my debt
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 Section 602 A 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: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit card

JPMorgan Chase Credit Card terms of agreement stipulate reimbursement of XXXX XXXX fees as part of my XXXX XXXX XXXX credit card benefits. I renewed my XXXX XXXX on XX/XX/2023 and have not received reimbursement since then. Multiple calls with the Chase benefits team were unsuccessul. Benefits representatives are not able to access my account presumably to a security block. The security team does not see anything questionable on their end and can not explain why the benefits team can not access my account. I am stuck in a loop and Chase has not provided a solution to have the account access restriction removed. Chase supervisor XXXX XXXX has opened a case XXXX to address this discrepancy, but there has not been any progress to resolve this matter. Chase bank has violated terms of agreement by witholding my benefits since XXXX  I hope this will motivate the Benefits and Secuirty teams to work out their internal differences promptly and provide reimbursement ASAP.
Product: Debt collection

I have been having problems with this company called Enhanced Recovery LLC collection agency. They have been continuing a collection on my account for awhile even after I have explained to them I do not owe this account. I have asked them to give documentation with my signature proving that I am the owner of this account, they refuse to. I have been dealing with this company for awhile and want them to remove this inaccurate information as it is hurting my character and credibility. This company can not send me the original contract proving this debt to be mine. I want them to remove this inaccurate collection off of my credit report immediately.
Product: Mortgage

In XX/XX/2023 I faxed information to Pennymac to change my homeowners insurance policy company, from XXXX to XXXX. Shortly after I received a letter from XXXX, which is my new homeowners insurance, stating that they would cancel my policy because Pennymac had not responded. I called Pennymac again and was told to upload it to the message center on their website, so I did. I called a few weeks later and they still had not updated my homeowners insurance policy. So again I uploaded my information. Somehow I am XXXX on my escrow account so today, XX/XX/2023 I jumped on the website to see what was going on and they still had not updated my homeowners insurance. I called and they told me I had not uploaded anything. After finally being able to update my insurance information they told me I would have to call XXXX to get the money back that they have been paying them for 2 months, even though I had cancelled the policy. I fail to see how this is my responsibility when I have done my due diligence to correct this information. The lady told me that the stuff that is uploaded to the message center is sent to customer service. If thats true why was I even told to upload it there if it doesnt get to the correct place! I was so frustrated I still dont know why I am XXXX in my escrow! How can you trust a company that cant even get your insurance information updated in a timely manner?
Product: Debt collection

AMSHER COLLECTION SERVICES INC in the amount of {$100.00} shows as an unpaid debt original creditor showing as XXXX XXXX, XXXX. I have never lived in XXXX. This was disputed years ago with original creditor. My husband at the time lived in XXXX, XXXX with our daughter XXXX XXXX whom he took to the ER. His insurance at the time was blue cross blue shield of XXXX and my insurance was blue cross blue shield of XXXX. Some how his insurance blue cross blue shield of XXXX was selected and used, and instead of having his information with his address in XXXX, XXXX and his name as the responsible party using his insurance my name and address where I lived in XXXX was provided.
Product: Debt collection

I.Q.  Data International  is attempting to collect a debt that is not owned whatsoever. They purchased a fabricated debt from an old apartment that created charges because I took took them to court over fabricated electric bills. Initially they tried to collect the debt over  2 we eks after I moved but Georgia Law provides strict deadlines as to when a landlord can claim damage. They must do an exit walk through and send you ANY and ALL damages in writing within   5 business days of move out and by law I was supposed to be notified of inspection. The original creditor broke the law in failing to meet both requirements amongst other things.
Additionally, in the   State o
f   Georgia, it is illegal for the landlord to deduct damages for normal wear and tear. Se  e 44-7-34 ( a ). Thus, carpet cleaning, wall painting and other like expenses can not be deducted from your security deposit if such resulted from normal wear and tear -- -they charged for this as well.
I Q Data International sent a false verification of debt after I contacted them in writing, so for EACH CHARGE, 19   charges total, I requested, in writing, a VALIDATION of debt for every single charge and requested documentation to support each charge because I have photos and documents that dispute the claim. They initially listed this debt on my credit for almost {$8000.00}, it was mysteriously reduced by over {$4000.00} when I send them my initial dispute and the responded with a verification of a fake list of charges. I sent  19 VALIDATION, Not verification, request via certified mail, I paid almost {$140.00} to request validation and they tried to insult my intelligence by sending me another copy of their verification only changing the date. All of the charges are completely erroneous. They have not validated and have ignored all 19 requests.