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

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00}
Product: Vehicle loan or lease

Nissan account number XXXX was included in a bankruptcy but nissan has it as a chargU.S.C. 1681 is a section of the Fair Credit Reporting Act ( FCRA ) that is part of Title 15 of the U.S. Code, which covers commerce and trade. The section includes congressional findings and a statement of purpose that governs access to consumer credit report records and promotes accuracy, fairness, and privacy. 
The section also requires consumer reporting agencies ( CRAs ) to : e off 15 u.s. codes 1681 ( c ) 2
Product: Student loan

They called on my cell phone, I told them I do not wish to have contact by cell phone. I asked for mailing address to communicate in writing and they refused to provide it. I asked them for my account number and they said it was my Ssn. I really want to get more information about this debt but they are making it difficult to figure out what 's going on here
Product: Credit reporting or other personal consumer reports

Dear XXXX, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within XXXX  ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX  XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

I have received 3 hard inquiries from JPMCB Card Services in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I did not apply for any credit cards or loans from this bank. I would like these hard inquiries removed and reported as fraudulent. I would like to stop the person from using my information to attempt to open an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  ( Closed with balance of {$740.00} ) 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I wrote letters of affidavitand the items was removed from my credit report and later return back on my credit report.
Product: Debt collection

This debt has been charged off and account closed. I have asked for validation of this debt and not received it.
Product: Credit card or prepaid card

I enrolled in this offer back in XX/XX/XXXX on my Amex XXXX XXXX XXXX : " This holiday season, use your XXXX XXXX American Express XXXX XXXX to get closer to your next Hilton stay. 
Once enrolled, spend {$8000.00} in eligible purchases with your Card by XX/XX/XXXX and earn a Free Night Reward. 
Plus, continue to enjoy great benefits on travel and more, including 3X Bonus Points on all eligible purchases. '' I spent over the {$8000.00} as this was a busy holiday/ski season and this is my primary credit card. I knew to wait about 4-6 weeks after the end of the offer and contacted Amex via chat and phone call after those 4-6 weeks several times. I also was to receive a free weekend night for a minimum spend on a new XXXX XXXX XXXX XXXX  and an anniversary night for my XXXX XXXX. I was specifically told XXXX XXXX XXXX XXXX that I would be getting another reward night but this never happened. When I called in XX/XX/XXXX I was told I would not be eligible for more than 2 free nights per account despite the fact that the offer was valid outside of the annual/new sign on rewards. The correspondence I have received either via phone or chat has been murky and conflicting each time. I will attach my chats. I was last told via phone that my 3rd free night would arrive by XX/XX/XXXX but that hasn't happened- the rep seemed very confused and at one point told me to wait another 4-6 weeks but I reminded him the offer ended in XXXX. This rep agreed but then was referencing an offer from XXXX! Basically, I should have received 3 free night rewards but I have only received 2 and I can't receive a definite answer as to where my 3rd night is. The 3 free nights should be for- sign on and minimum spend for XXXX XXXX XXXX ( was a few XXXX and I reached it ), my anniversary for XXXX XXXX XXXX and the XXXX spend for the XXXX. Thank you.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Bankruptcy Filed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Attempted to dispute with credit bureaus Attempted to contact XXXX  XXXX  XXXX  for months and they just hang up on me Attempting to report here to have it removed off credit as it was reported only to damage my credit as no way was provided to pay the account they are continuing to mail an old address even though ive reported a new address fir a year
Product: Credit card or prepaid card

Purchased a prepaid card for my grandson for XXXX. On XXXX XX/XX/2019 he ( XXXX years old ) attempted to purchase an online game for download. His computer did NOT have enough GB for download. I have been attempting to resolve this issue for 2 months now. They want to deal with my XXXX year old grandson, I am the adult, his account is attached to mines, he gets his money from me transferring funds to him. They can see this in the system. However, 2 months later I still don't have my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA, Experian have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give anyone written permission to furnish these accounts to my credit profile. I have the list of accounts that I will post here! ( Company or Organization : XXXX XXXX XXXX XXXX and Company or Organization : XXXX XXXX XXXX ) I am attaching identity and proof of address.
Product: Mortgage

On XXXX XXXX, XXXX my property sustained significant fire damage. 

Later that year, XXXX XXXX issued an insurance check for more than the amount that was due on the mortgage. The check was issued w/ my name & co-signer PennyMac ( the mortgage servicing provider ). I mailed the check to PennyMac and as soon as they deposited it, my life became a living XXXX. 

They refused to release the funds to allow me to fix up the property & then they " neglected '' to apply the funds to my mortgage & then they " accidently '' attempted to foreclose on the property & then they again " neglected '' to fix the foreclosure-problem ( both their home-office and their lawyers XXXX. 

We ended up in Court. 

They offered a " settlement '' that was far below my actual financial loss and also included a " Confidentiality Agreement. '' The case ended up being " discontinued '' in court as of XX/XX/XXXX. 

As of XX/XX/XXXX, I've held title to the property. 

Please see within the court documents where I was informed by a PennyMac representative that it wasn't PennyMac 's " policy '' to apply insurance proceeds to the balance of what was due, unless the mortgagor paid the difference. 

# 1 ) They refused to provide the " difference. " ... and if they had it would have been minimal. I ended up receiving an escrow check in XXXX XXXX from them. 

# 2 ) This " policy '' is in direct contradiction to the NYS FHA contract that I had ( see attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/21 I purchased a car from XXXX XXXX and only authorized them to run my credit. I did not authorize them to push it to anyone they wanted and they ran it along with the following banks : Huntington N, XXXX XXXXXXXX, XXXX XXXXl and XXXX Bank. Because of them doing this it has caused a major hit on my credit that should not have happened which caused many other things to then happen with my credit. I am trying to repair my credit but it says these hard hits will be on it for two years. I contacted the banks and they said to contact XXXX XXXX and I did that and they said it will be fine by the time I need a new car again. I have bought many cars and this has never happened before. Can you please help me.
Product: Debt collection

XX/XX/2021 auto loan thru mid atlantic was dismissed from my credit report. Today ( XX/XX/2021 @ XXXX XXXX ) they tried to call me a reopen an account that had already been thrown out. Once they throw it out they shouldn't be legally allowed to reopen anytime they want. I don't think thats right.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  REPORT PAST XXXX DUE TO XXXX, XXXX PAST DUE TO EXPERIAN AND XXXX XXXX DUE THAT INCOREP INFORMATION MY CREDIT SCORES GONE DOWN I AM NEVER PAID LATE ALL PAYMENT WAS MADE ON TIME AND IT IS AGREED DUE TO THAT BAD INFORMATION THE CREDIT COMPANIES HAVE DECREASED MY CREDIT LINE AND INCREASED THE ANNUAL INTEREST ON MY CREDIT CARDS THE DAMAGE CAUSED BY THAT BAD INFORMATION HAS ALREADY CAUSED DAMAGE TO MY PERSON AS IT IS AFFECTING MY GOOD CREDIT RECORD, THEREFORE I ASK THAT YOU NOTIFY THAT LOAN AGENCY TO RESOLVE THE DAMAGE CAUSED AND I HOLD THEM RESPONSIBLE FOR THEIR ACTIONS THAT ARE CAUSING ME A DAMAGE MY LOAN NUMBER # XXXX
Product: Credit reporting or other personal consumer reports

I WILL ATTACH MY CONSUMER REPORT FOR XXXX XXXX THAT'S NOT BEING REPORTED ACCURATELY -- -TRANSUNION IS REPORTING LATENESS FOR XXXX, XXXX & XX/XX/2022 WHILE XXXX IS REPORTING PAID STATUS -- THIS IS NOT 100 ACCURATE REPORING -- ALSO PER 12 CFR 1026.13 THIS IS A BILLING ERROR & LATENESS ARE NOT SUPPOSED TO BE REPORTING ON A OPEN ENDED PLAN SUCH AS THIS ACCOUNT PER 15 U.S. Code 1637 - Open end consumer credit plans...

AGAIN, THIS ACCOUNT IS NOT BEING REPORTED ACCURATELY AS PER 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$20000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$1000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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. 

There should only be 2 inquiries on my Experian and XXXX reports. If you take a look at my XXXX report, you will see there are 2 inquiries which is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018- Received notice from XXXX XXXX service that my TransUnion file had been accessed by XXXX. 
XX/XX/2018- Reviewed my TransUnion report on-line that noted a new phone number was added to my report and an errant address during the XXXX inquiry. I called TransUnion and the representative indicated he would remove the bad phone number. We placed a a fraud alert on my credit report. He advised calling XXXX to see if any account was opened. 
XX/XX/2018 Called XXXX at XXXX XXXX the representative indicated an account was not opened and we should file a complaint with ConsumerFinance.gov to have the inquiry removed from my credit report.
Product: Debt collection

Synchrony Bank is still reporting on my credit with three credit bureaus XXXX, XXXX and XXXX that I have a revolving credit balance of {$2400.00}. Synchrony Bank sent me a letter advising me that I can settle my account for a payment of $ {$1400.00}, I called Synchrony Bank to make the payment, however ; they have refused to accept my payment, no payment at all they refused to take. They told me my account was sold, however ; I never received a letter stating my account was sold and I also have not received notification from this agency stating that this debt was owed. Synchrony Bank is who I had the debt with and they have refused my payment ; therefore they should not be reporting a revolving balance on my credit report. They did not indicate on my credit report that they sold my account to another lender.
Product: Credit card or prepaid card

Chase Bank ( www.chase.com ) website states that the card I am applying for has 0 % for purchases and balance transfers for 1 year. But when I received my card and statement that was not the case. 

I did get 0 % on purchases but for balance transfers it is 21.49 % and not the 0 % that was advertised. 

Here is the link to their website stating the 0 % https : //creditcards.chase.comXXXX
Product: Checking or savings account

On XXXX I tried to open an account with Bank of America. I the branch person said it was fraud on my account and I have never done anything illegal. I used to work for the bank from XXXX to XXXX. I used to be a Bank of America customer. When I called the number that I was given and select option 2. I was told that I couldnt open an account. I ask why and all they would tell me was it was the banks decision. By law the banks are to make the customer aware of why they cant open an account. I have open other accounts and I have no problem with them. Im sure they all use the same systems to verify a customer information. It does not sit well with me knowing I have not done anything wrong and if I have I would like to know. I want to know how they have my profile flagged?
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to freeze my credit with all 3 bureaus after thieves broke into my USPS mailbox and stole all the USPS mail, some likely included my personal information. 
1 - No problems at all with XXXX  did it online very quickly after an identity check questionnaire. 
2 - Equifax, created an account, filled out the freeze form online, but repeatedly got the message that it could not be done online. No explanation, no identity questions other than social security number, DOB and address requested. 
3 - XXXX  same issue as Equifax - followed the online prompts and kept getting a " can not be done online '' message on repeat tries. No explanation, no identity questions other than social security number, DOB and address requested. 
Google search on this strange issue in 2020 's internet era shows other people who have had Equifax and XXXX give them a hard time freezing or unfreezing the credits. I wonder if these companies are not purposefully making it harder on the people to freeze or unfreeze since they can no longer make money off of this service? Which should be illegal. I hope this tactic by Equifax and XXXX  does not continue for long. Thank you.
Product: Debt collection

This company ( Ability Recovery Services ) uses scare tactics to recover money that i do not owe and reports it every few months as a new loan. Ive asked numerous amounts of times for documents they threaten they have to be sent to me and im flat out told no.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I mailed my FTC report and my license to XXXX, XXXX, and Transunion. I will be filing a civil suit against these companies. I have fraudulent accounts reporting on my consumer report illegally.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX  XXXX XXXX & XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX have two account reporting to my credit and they dont belong to me and one is a deposit I never made they need to be removed off my credit report under consumer law, and the fair credit reporting that they supposed to be XXXX. XX/XX/year> XXXX. Both with same bank Also reach out to ftc and made report the address not on my file
Product: Mortgage

I just received a letter from Nationstar Mortgage that I have discussed possible alternative to foreclosure and received an application from me for a foreclosure prevention alternative. This is a lie. I never discussed nor applied for a foreclosure prevention alternative with anyone at  Nationstar. The most ri diculous thing about this is the assertion that it has been denied. Denied something I did not asked for.     When I called my dedicated loan specialist  XXXX   XXXX  on   XX/XX/XXXX  I asked specifically for the status of my HAMP Loan Modification I applied for in  XX/XX/XXXX  that is yet  to be resolved.  Nationstar unilate rally resolved the modification by denying me the modification and try to sweep it under the rug.  XXXX   XXXX  also told me the modification is over because th e Modification Program en ded in   XX/XX/XXXX . I am still in for the Program regardless of  XX/XX/XXXX  deadline. If I am out, then everyone who applied for it before  XX/XX/XXXX  are equally out. Know they in so I mi ne. Nationstar can not unilaterally deny me the modification because it has to be by a bilateral resolution. Is a commitme nt Nationstar has to fulf ill by modifying the loan because  Nationstar sign ed  HAMP Participating Agreement in the past committing itself to HAMP Loan Modific ation Program.     Also, I just received  3 regist ered mails for a foreclosure sale scheduled for   XX/XX/XXXX . They are similar to the ones I received on  XX/XX/XXXX  fro m  XXXX   XXXX ,  XXXX . The letter said please find enclosed advertisement for the foreclosure sale published in   XXXX   XXXX   XXXX    There is no advertisement for the foreclosure sale published in   XXXX   XXXX   XXXX   enclosed in the letter. That is not true