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

I have attempted NUMEROUS of time to have this issue resolved... I noticed a couple months ago on my report, numerous of UNAUTHORIZED credit inquiry 's that WERE NOT solicited by me on my report.. I sent physical dispute letters on XXXX different occasions on XX/XX/XXXX, XX/XX/XXXX and A XXXX attempt on XX/XX/XXXX. The response I was given is that they are " investigating '' to verify the information every time and it resulted in the erroneous items still staying on my credit report and negatively affecting my score when I clearly stated such items were unauthorized and inaccurate. It has been well over 30 days since my initial dispute of this inaccurate information. Per the Fair credit reporting act companies have 30 days to conduct their investigation once that time has passed and the information can not be verified they have an obligation by law to remove it and once again NOTHING HAS BEEN DONE TO RESOLVE THIS MATTER. 

Both EQUIFAX AND XXXX are violating the Fair Credit Reporting Act and my rights as a consumer. 
This is my final attempt before taking legal action to seek damages and exercising my rights as a consumer because there is a clear violation of FCRA XXXX XXXX XXXX. 

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

XXXX  XXXX # XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX 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: Checking or savings account

On XX/XX/2021 multiple fraudulent purchases were made with my debit card. I realized this when I received an email from Chase bank and I immediately cancelled my debit card. The next day I called Chase 's fraud department and walked through my transactions from the previous few days. I learned that aside from the fraudulent purchases that were already made, many more had been attempted before I cancelled my card. 

The successful fraudulent purchases made are as follows XX/XX/2021 - XXXX - {$5.00} XX/XX/2021 - XXXX - {$10.00} XX/XX/2021 - XXXX XXXX {$25.00} XX/XX/2021 - XXXX - {$50.00} XX/XX/2021 - XXXX - {$100.00} 5 fraudulent charges all to XXXX totaling {$190.00} Chase gave me a temporary credit of {$190.00}. About a week later I learned that I had lost the fraud claim with no explanation from Chase.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Immediate Late Payment Removal To Whom It May Concern, I am writing to formally demand the immediate removal of the following account from all credit reporting agencies due to your blatant violation of the Fair Credit Reporting Act ( FCRA ) : Account Number : XXXX Under FCRA Section 1681s-2 ( a ) ( 3 ), it is your legal obligation to notate an account as in dispute once a consumer challenges its accuracy. You have failed to fulfill this requirement, despite my previous dispute notification. This constitutes a serious violation of federal law and demonstrates your reckless disregard for my rights as a consumer.

Your failure to properly update the dispute status of this account means you are reporting false and misleading information. According to FCRA 1681s-2, this violation provides me with automatic grounds for account removal.

I am demanding that you : 1. Immediately remove this late payment from all credit reporting agencies.

2. Provide written confirmation of the late payment deletion within 15 days.

Failure to Comply Will Result in Legal Action : If you do not comply with this demand, I will take the following action without further notice : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Pursue legal action under FCRA Sections 1681n and 1681o for willful or negligent noncompliance, which may include claims for statutory damages, punitive damages, and attorneys fees.

This is your final opportunity to correct your violation and avoid legal consequences. I expect your full cooperation and confirmation that the account has been removed from my credit report.

You have 15 days to comply with this demand.
Product: Credit reporting or other personal consumer reports

Found multiple hard inquiries on my credit that does not belong to me and also found multi hard inquires that were never removed after 2 years. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 45 days ago on XX/XX/2022, I sent letters to Equifax, XXXX, and XXXX informing them that I needed the method of how some inaccurate accounts were " verified ''. I have yet to receive a response and I feel this matter is not being handle properly. I feel as if I am being taken as a joke. No response in this amount of time should result in automatic deletion according to the Fair Credit Reporting Act.
Product: Student loan

I used to go to XXXX XXXX, also known as XXXX XXXX. When I was there apparently I took out a genesis loan, and not until recently was I informed that it was not supposed to show up on my credit report. Well it does, I am a kid who is only XXXX and is trying to support a family, and this " ding '' on my credit report is really hurting my financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a state of Georgia tax lien on my credit report that has met the statue of limitation. XXXX and XXXX have both removed the lien, however, TransUnion refuses to do so. I made the dispute with TransUnion on XXXX/XXXX/XXXX and they sent me an updated report dated XXXX/XXXX/XXXX stating that the account it is " verified as accurate '' It was added to my report on XXXX/XXXX/XXXX and according the state of Georgia " State tax liens must be filed within seven years of the assessment date of the tax liability. Once the Department files a lien, the Department has seven years from the date the lien was recorded to collect the liability. A tax lien may be renewed for another seven-year period by re-recording the lien prior to the expiration of the previous seven-year period ''. 
I spoke with a representative for the state who informed me that they do not report to the credit bureaus that XXXX XXXX does and my file with XXXX XXXX has been frozen and suppressed.
Product: Mortgage

I attempted to pay-off mortgage after being a few months behind to close loan. On XX/XX/XXXX, I contacted PHH Mortgage Services, XXXX XXXX XXXX, XXXX. XXXX, NJ XXXX to inform them I was going to pay-off loan and requested a pay-off amount. At this time, PHH did not establish the fact that my home was in foreclosure. I was told that a loan pay-off request was made an that it would be emailed to me. I waited until XX/XX/XXXX to see if the pay-off statement would be received in my email and it had not. I contacted PHH again on XX/XX/XXXX and inquired as to where my pay-off statement was as I had not received it. The individual stated that it was in the system and entered another request for a pay-off statement. I had not received and contacted PHH again on XX/XX/XXXX and they said to wait 5 days. I contacted PHH again on XX/XX/XXXX after not receiving the pay-off statement and they stated it was in the system. Loan Number XXXX On XX/XX/XXXX, I received a letter from PHH dated XX/XX/XXXX stating my property was in foreclosure despite my attempts to completely pay-off mortgage loan on XX/XX/XXXX. I contacted PHH, XXXX XXXX - Tel. No. XXXX, XXXX, who is identified in the letter dated XX/XX/XXXX with the statement about being committed to working with me. She said that I would have to contact the PHH Collection firm who was assigned the case - XXXX, XXXX, XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX, Tel ( XXXX ) XXXX. 

Not much help from XXXX XXXX despite my attempts to pay off mortgage completely. 

I have the impression that the passing of the loan to a collector is only to enrich the Collector and others and take advantage of a XXXX XXXX XXXX XXXX XXXX. 

Please look into this provide some help as this is really uncalled for and disrespectful to a XXXX. 

Thank You,
Product: Student loan

After graduating in XX/XX/XXXX, XXXX XXXX was my loan provider through XX/XX/XXXX. All payments were made on-time and applied towards the PSLF program. Upon transferring to XXXX XXXX, when I received my PSLF qualifying payment update on XX/XX/XXXX, I noticed that they only counted one payment for the entire year spanning XX/XX/XXXX to XX/XX/XXXX. I contacted them on four separate occasions over the past year to have this rectified. They reported that it was a mistake due to the transfer of the loan and they would provide me with an updated copy showing the appropriate payments that were made through AUTO-PAY, on-time each month. I have yet to receive this document, even after contacting them multiple times for it. They reported that they were " behind '' but a year later is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. CITADELSVC is reporting late, yet it is closed and the balance is zero as reported in XXXX. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( CITADELSVC XXXX )
Product: Checking or savings account

A XXXX  in the XXXX  tried to open an account at Navy Federal Credit Union on XX/XX/XXXX using my identity along withba cell number not even mine.
Product: Student loan

Upon Discovery through my credit reports, discrepancies have been found due to inaccurate credit reporting done by Nelnet/Dep of Ed, to XXXX, XXXX and XXXX. I discovered 3o Errors on Each report. Which indicates that Nelnet/Dep of Ed broke the law by violation of FCRA LAWS. In Pursuant to FCRA 611 ( 15 U.S.C. 1681I ) I have found Error and Are pursuant to recover damages in small Claims Court. I have suffered defamation of character personal/emotional injury having my finical freedom impacted by their willful noncompliance. My discovery of their errors on my credit reports were discovered by myself on XX/XX/2019. On XX/XX/2019 I sent letters to Nelnet/Dep of Ed. via Certified US Mail, inquiring about the loans reported .They responded XX/XX/2019 Informing me my account required no adjustment. I then wrote them another letter XX/XX/2019 detailing every mistake and they never responded to the debt validation but corrected their errors online. this is illegal.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts XXXX, XXXX, XXXX, xxx XXXX, xxxx XXXX, and XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an old utility bill which was purchased by a collection agency and they reported that the account was opened in XXXX of XXXX when this debt was from XXXX years ago. If this debt was based off the original date then this item should be removed from my credit report as it is over 6 years old.
Product: Checking or savings account

There was a direct deposit of {$970.00} from the XXXX XXXX XXXX that was supposed to be available on XX/XX/XXXX. I contacted Capital One on XX/XX/XXXX and was given the run around. I was finally told a claim will be filed and it can take up to XXXX  days. Meanwhile my money is missing and I have bills to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$3900.00} XXXX XXXX  Balance : {$4700.00} XXXX XXXXXXXX Balance : {$3900.00}
Product: Credit card or prepaid card

I pay bills the day I receive them, and I always pay my credit card bills in full. And because I am uncomfortable with electronic means, I insist on receiving a MAILED paper monthly statement. 

So when I am charged {$25.00} for a late fee, it either means that the letter carrier somehow " lost '' the statement, or the bank did n't send me one.
In the past few years I have been charged over and over for paying late. I suspect that the credit card company ( in this case Bank of America ), declines to mail a paper statement every few months to customers who pay in full their balances.
I have paid " late fees '' over and over in the past few years, and I am tired of it. One or two of those I may have misplaced and was thus legitimately charged, but the majority of them I did not receive.
Product: Mortgage

I have a mortgage with Amerihome mortgage. We bought our home in XXXX of XXXX. We have made every payment online since then every month to Amerihome through our online account with them. On about XXXX i received a phone call from their debt collection department asking how we can bring our mortgage current as they have not received one payment. I asked how that can be because I have made every payment online and had never received a phone call a letter nor an email that we have ever even missed a payment. Told the representative that i can gather my bank statements and would send those to them. That was the day before XXXX so they were closed until after the holiday weekend. I called first thing the next week spoke to a gentlemen received an address of where to mail which was Amerhome Mortgage XXXX XXXX XXXX XXXX XXXX Tx XXXX and an email account where i mailed my bank statemts as well as emailed and he said allow about a week and to check back. About a week and half later i received my bank statements back from the mailing address with a sticky note from XXXX XXXX XXXX. attorney that said please send this to your lender that they could not find my account. I immediately called them back said thye had no idea what that was about and saw my emial with my bank statements and would work on finding where my payments had been applied. I have had several phone calls with them each one not finding where any of my payments are. During this back and forth it has now been sent to their attorneys XXXX XXXX XXXX and i have called and left messages and sent a message via their website and no response. Have talked to Amerihome customer service and all they say is they can see the notes but I need to talk to XXXX XXXX XXXX but XXXX XXXX XXXX doesnt answer phone or return calls. Now I am in foreclosure when I have never missed one month of payments. At this point I do not know what to do. I will attach my bank statemnts showing every payment I have made through XX/XX/XXXX. XXXX payment XXXX was also made online and XXXX was made on phone with them and they can not even find that payment. Thank you any help would be appreciated.
Product: Debt collection

The CFPB filed a Consent Order against XXXX XXXX in 2015 with some very stiff penalties, yet the CFPB allows those it penalizes to police themselves. XXXX XXXX has not and will not pay the full penalties that it should, nor will they ever admit to how many people they cheated by using false or robo-signed affidavits. 
I challenged Midland using this very complaint form late last year, and they decided " my case is not one considered eligible under the Consent Order ''. I objected to the use of robo-signed affidavits, bringing up the fact that several states had sued Midland over the use of these affidavits, and that Midland had even sent out affidavits signed by a woman that had been dead for several years. The judge in my case ruled in Midland 's favor because they had a spreadsheet with my name and a dollar amount on it.

When I filed a complaint here late last year Midland decided that they would remove any trace of the collection or judgment from my credit report. Would they have done this if they knew that they had a legal valid claim to this case? I think not. They most likely thought that I would be appeased by this. They were right. Until yesterday.

I received in the mail from Midland a form to fill out asking for all of my personal information including information about my spouse, place of employment and my work address and work phone number ( so that they can harass me at work and get me fired because they are keeping me from doing my job, there is a reason they are not allowed to contact you at work if asked not to ) so that they can see if I can pay the judgement they were awarded almost 5 years ago. Midland knows that they have no case against me, if I bring up the Consent Order. THEY KNOW THAT MORE CASES THAN THE ONES THEY TOLD THE CFPB ABOUT ARE ELIGIBLE FOR RESTITUTION!!!

Midland needs to make restitution eligible to all of those that fall into the categories penalized under the Consent Order.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my Transunion Report, I sent a letter asking TransUnion to thoroughly validate, verify the accounts listed in the attachment and to provide complete documentation as to how each account was verified, contact person, telephone number of contact person and date of conversation. 

Also, Transunion has been providing information as XXXX XXXX XXXX. Not sure who she is but it is proof that my credit file is corrupt. Reporting inaccurate information such as this is a violation and should result in immediate deletions of the accounts in question.
Product: Debt collection

I purchased merchandise through this company. My contract specifically states that i will not be charged until ALL parts and merchandise have been received. Which they have not. I have explained in detail that ibhave not received everything therefore legally they cant charge me until it is received. Acima credit states the store did deliver everything and they did not. I have attempted multiple times to contact the store to no avail. Therefore im not paying anything.
Product: Credit card

I used my At Home Synchrony Bank MasterCard to purchase 3 tickets to an event being held at XXXX XXXX XXXX XXXX XXXX in XXXX. The event was to be held on XX/XX/XXXX. The person that I bought the tickets to see was XXXX XXXX. The event was held by XXXX XXXX but tickets were generated by XXXX. That was the company that was being used to issue the tickets. On XX/XX/XXXX, I received an email saying that the XXXX XXXXhat was supposed to be in the event could not make it but that they got another XXXX  to do the event and his name was XXXX XXXX. It states in the email that if I no longer wanted to attend I should reply to the email, which I did on the XXXX of XXXX. I then had communication back and forth with the organizer of the event and she told me that she would be refunding me that night or the following morning. She said that the XXXX  fee would not be refunded which was {$6.00} per ticket. I agreed to that so I was expecting a refund for {$190.00} minus the XXXX  fee which would have been {$18.00}. So my refund to me my credit card should have been {$170.00}. When I received my credit card statement the following month the charge was never refunded so I called my credit card company. I also tried many times to email XXXX XXXX again with no response. My credit card company is saying that they paid XXXX and that XXXX is saying they can't refund me. On my statement where the transaction appears it says XXXX spirit messages. I am not asking for XXXX fee as I know that was not refundable I am asking for the amount of the tickets. I have asked my credit card to ask XXXX for another way to get in contact with the XXXX XXXXXXXX organizer but they said they can't get any information. I have also tried to contact XXXX myself but they do not have phone customer service only online but it says that they are not responsible and I have to contact the organizer. So I am back at square one. I have been disputing this transaction with the credit card since XXXX of XXXX. I don't know what to do anymore. I have looked at XXXX 's website and there are still events being hosted by the organizer that I have the issue with so obviously they still have contact with that organizer but they won't give me or the credit card any information. Attached you will find all my emails and the faxes to my credit card number and the flyer to the event I originally bought the tickets for. 

Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXXXXXX XXXX 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 Per the Fair Credit Reporting Act, a consumer may request a description of the procedure used to determine the accuracy and completeness of disputed information. It also states that the credit bureau shall provide a description of such investigations within 15 days of the consumers request.
Product: Credit reporting

I have been trying to get my credit report from Equifax for 2 years. My mortgage company has tried to get it, I have tried and I can not get on it. I have called and faxed over all documentation I was told to. There is a freeze on my report I never authorized. I asked for that to be lifted, all my personal information to be changed and my address I have lived at for the past 5 years to be put on my report. After spending {$10.00} on facing over my information nothing has changed. I still can not retrieve my report, I can not get on Equifax at all. Not a free report and I even tried to pay for it and it still Denys me. There are multiple inquiries on my report now effecting my credit score and I can not get a single person to help me when I call all numbers given or try online. This is a big issue and matter and I have not been helped at all.