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

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have almost XXXX inquiries from each creditor. I have not requested any financing from either of these creditors. The creditors advised that they are not able to provide anything because there is no account with them.
Product: Mortgage

Citizens bank updated their mobile mortgage app to force a redirect to their new banking app. The original app is now completely unusable, and prior login credentials are not valid for the new app. The login credentials also do not work on their website, and their system can not find our accounts, making us unable to sign in and access our mortgage. Citizens bank has been responding by stating that the old app is still usable, which is a lie. The only way to receive support is by phone, which took approximately 4 hours on hold, and the issue was never resolved. Citizen 's is going to force people to miss payments because we currently have no way to access our accounts and pay
Product: Debt collection

I recently received correspondence from XXXX University that they were not attempting to collect on this alleged debt and I am not sure why Keys 2 Recovery is Attempting collect on. I have recently sent a cease and desist along with a request for an audit trail and have not received any correspondence from Keys 2 Recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against XXXX XX/XX/2022, XX/XX/2022, XX/XX/2022 citing XXXX due to, myself received a letter from XXXX XX/XX/2022 stating they did find " '' PUBLIC RECORDS '' in 30 day time frame jthat was required of XXXX and removed " PUBLIC RECORDS '' from my XXXX credit report. 
I received a second letter from XXXX XXXX XX/XX/2022 stating they reached out to XXXX requesting they remove " PUBLIC RECORDS '' from my credit report. XXXX has refused. 
XXXX has refused to removed " PUBLIC RECORDS '' stating they ( XXXX ) received a report from XXXX " PUBLIC RECORDS '' is to remain the same and it will not be removed. 
XXXX has advised myself they ( XXXX ) received they " PUBLIC RECORDS '' from XXXX. It's been a back and forth battle with XXXX not removing the " PUBLIC RECORDS. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In 2016 it says I got a XXXX XXXX credit card In my name, It was for XXXX XXXX they are saying I did it but I never put any kind of card on my name before. I would like to report it as fraud XXXX XXXX and XXXX XXXX had access to my social Security card number while I was living with them at the time I had no idea I didnt have to give them that while living with them. And next thing I know I was getting letters in the mail as soon as I moved out of there house about XXXX XXXX but I never even been on there website. Im pretty sure they put my name on their consumers bill or I think it was charter I would like to get it investigated because I do not want none of this on my credit it would be nice to figure this all out those two people are the only ones That had access to my Social Security number
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. XXXX I have the right to privacy. 

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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

In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX  Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the federal credit act 15 U.S.C 1681 ( 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.

15U.S.C 1681B Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

The following has violated my rights : XXXX XXXX XXXX XXXX XXXXXXXX servicing ( which is showing a few account ) Dept Of Ed / XXXX ( Which is showing multiple account ) XXXX  ( which is showing multiple accounts ) U S Depatment of ED ( which is showing a few accounts )
Product: Credit reporting or other personal consumer reports

These requests are not related to me, and I didn't give any authorization to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.
Product: Credit card

A reward coupon from XXXX expired and American Express will not reissue it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credence Resource Management have been furnishing my alleged transaction & experiences with their company which is in violation of 15 U.S. Code 1681a - Definitions ; rules of construction.2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Credence Resource Management is violated by privacy : 15 U.S.C 1681 section 602 A. States I have the right to privacy..

15 U.S. Code 1681- Congressional findings and statement of purpose ( sold to 3rd party ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX date open inaccuracy with all 3 credit bureaus {$1000.00} - original creditor XXXX XXXX I have not supplied proof under the doctrine of estoppel in silence Engelhardt vs Gravens ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alledged debt, nor therefore any such debt, in fact therefore exists. 

XXXX XXXX XXXX XX/XX/21 $ XXXX original creditor XXXX XXXX I have not supplied proof under the doctrine of estoppel in silence Engelhardt vs Gravens ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alledged debt, nor therefore any such debt, in fact therefore exists. 

XXXX XXXX XXXX Collections closed due to inaccuracy but needs to be deleted. See attached credit bureau response after re-investigation. I have not supplied proof under the doctrine of estoppel in silence Engelhardt vs Gravens ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alledged debt, nor therefore any such debt, in fact therefore exists. 

Credit bureaus are to report 100 % accurate information by law, the above companies were asked to investigate and provide proof of accuracy of these alleged accounts by item of signed contract, note, or instrument showing the accuracy of these accounts and they have failed to do so. These accounts are negatively affecting my credit profile and leaving me under distress.
Product: Vehicle loan or lease

My elderly father and I joint leased a XXXX XXXX XXXX for my XXXX XXXX XXXX daughter from XXXX XXXX in XX/XX/XXXX. It was a three year Lease and I elected for the extra 25,000 miles a year option. There was never a late or missed payment on the account for the entire duration of the lease term. The lease was up in XX/XX/XXXX in which I called XXXX XXXX  and requested a three month Extension on the lease. I was granted the extension I signed the agreement that was sent to me and returned it immediately at that time XXXX XXXX was not automatically drafting the payments as it had for the past three years therefore I set up where my bank would automatically send the payment to Nissan out of my account in which the payments were drawn out of my account and sent to XXXX XXXX. On XX/XX/XXXX ( I had until XX/XX/XXXX per XXXX XXXX ) I elected to want to return the lease vehicle to lease a newer vehicle with Nissan. I had set up two appointments with the company that they contract with to have the vehicle inspected in which twice the inspector did not show at the scheduled time in which I Had to take time off from my employment in order to accommodate them. On XX/XX/XXXX my father received a call from XXXX and saying that he is a private investigator looking for the central because there has been no payment on the vehicle and I needed to leave it somewhere with the keys in it because it was being repossessed or there was going to be legal action taken against him I immediately called the number that was given to my father and I did is the man said that he was to come and get the car and that I was not to make any payments to XXXX XXXX I merely called XXXX XXXX they informed me that there was no payment received for the past four months on the vehicle which was untrue per bank statements that are attached and now they have put a collection on to both of my credit and my fathers credit they are demanding {$9000.00} in order to settle the account I do not have possession of the car and this was an agreement and payments were made with XXXX XXXX they have now ruined both my elderly father is impeccable credit score and have jeopardized my ability to apply for summer college courses. I have faxed over copies of my bank statements to several different people I am put on hold I am hung up and they have promised me that it would be handled by the end of each business day and this is affected both my credit and cause me extreme anxiety and emotional distress
Product: Credit reporting

This is a complaint about checking my credit report to find unauthorized credit inquiries on my credit report that was not requested by me that Exquifax continues to verify. 
equifax mortgage service XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX,
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under usc 1681. I told XXXX, Transunion and XXXX to reinvestigate these accounts name and number is : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX- XXXX, XXXX XXXX, XXXX XXXX- XXXX XXXX, XXXX XXXX- XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX. However ; they stated everything was complete and accurate but how is that possible if the open account dates, date of last activity and much more is incorrect, usc 1681 : ( 5 ) they are supposed to modify accounts that are not reporting correctly. 15 usc 1681 section 602 states I have the right to privacy,15 usc 1681 sec,604 a, Section 2 : it also state a comsumer agency can not furnished an account with out my written instructions. 15 usc 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has responible cause to believe that the information is inaccurate. I am not liable for this debt, with these account. I do not have a contract with these accounts, They did not provide me with the original contract as I requested.
Product: Mortgage

On the XXXX statement for payment due XX/XX/XXXX, Mr. Cooper suddenly increased the payment from {$1300.00} to {$1700.00} with no explanation. I called Mr. Cooper and they stated it was due to an anticipated increase in our homeowners insurance which doesn't come up for renewal until XX/XX/2020. I stated to Mr. Cooper that we would be taking over our Hazard Insurance policy as well as Taxes and Insurance payments. We have a right to do that. Therefore we will not need an escrow account. They refused to allow that. It is unethical especially during times of Covid to put homeowners in jeopardy. I'm XXXX, on a fixed income and my elderly mother lives with me. My sister will be paying the taxes and insurance for the future and the principle {$1000.00} will be paid by me. It's wrong and not appropriate to change my mortgage payment especially in advance.
Product: Vehicle loan or lease

I have had an account with Chrysler capital since 2020. I have been having issues with extra fees being added to my monthly bill which is already outrageously high. During the Covid-19 pandemic I was facing financial hardship and had to move, because of this I was making partial payments and notified Chrysler of my situation. At the beginning of the year they threatened to reposses my car and was blocking me from making any more partial payments online by raising the minimum payment amount as well as locking my account at times, so I wouldn't be able to pay. I had to call in to make payments. 

Because of this my mother borrowed a loan to clear the balance at the beginning of the year. Even after being cleared Chrysler added another fee. I spoke with them and they cleared it. Last month I noticed that there seemed to be extra fees between payments. I called to rectify at the time it was an extra {$200.00}. They tried to tell me that it was a late fee, however, I cleared the balance before the months due date, again this months ending balance was {$410.00}, I cleared it, now they have added another {$590.00} fee and told me it was because my payments was late which was another lie because I paid it before the due date. These additional fees only seem to be added after my balances have been cleared and I need for law enforcement to step in now because they have been financially harassing my family and I.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an XXXX XXXX  assisting me due to XXXX XXXX XXXX XXXX  which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$1800.00} XXXX XXXX ( Original Creditor : 12 ACCOUNT SOLUTIONS FOR ACCOUNT ) Account number : XXXX Balance : {$2600.00}
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Conserve is an account that I acquired due to a student loan. It is currently reporting as an unknown item on my credit report. They are three different accounts. I have asked that they be combined, but they have stated that they are unable to combine them into one account. Therefore, for the last four months I have been making payments to all three accounts. {$100.00}, {$25.00} and {$25.00}. I was only able to afford {$200.00} extra in my budget. But the payments have come consistently and they have accepted them. Not only have I paid them for the last four months consistently, it has come at the same time every month. 

After the second payment, I received an alert that the account was reported as negative again. This alarmed me because I had made two payments consistently. I contacted Conserve and asked why they hadnt reported making payments or paid as agreed. They informed me that the credit bureaus needed to report it that way. But after the third month, it again reported it the same way -- -- a negative status. 

Not only have I reached out to Conserve regarding this, but I have also reached out to the three major credit bureaus. They only report the payment going lower and not the payment itself. 

This reporting has caused my credit report to continue to decline in numbers. I am requesting that this be resolved immediately. The payment should be as follows : 1. XXXX -- - XXXX XX/XX/XXXX {$25.00} 2. XXXX -- - XXXX XX/XX/XXXX {$25.00} 3. XXXX -- XXXX XX/XX/XXXX {$100.00} In addition, this is reported wrong. It should be categorized as a student loan, not other.
Product: Checking or savings account

Capital one didnt give myself my correct interest rate in my savings account
Product: Credit reporting or other personal consumer reports

After checking my credit report I recently realized that my mortgage company XXXX XXXX XXXX Bank were reporting a 30 day late payment for XX/XX/2023. Right away I realized that was a mistake. I have recently experienced a financial hardship and was approved for assistance on paying my mortgage loan through a company called " Nevada XXXX Assistance XXXX, ( XXXX ). '' Immediately I logged onto my account to confirm when my initial mortgage payment started. After logging onto my account it stated that I was " approved and funded '' on XX/XX/XXXX of 2023. It also has a section labeled " status '' that confirms whether a payment is processing, pending or has been paid. My Status for that payment is recorded as " paid '' on XX/XX/2023 ( XXXX ). I tried to print that information as well but the page kept getting cut off on that section, but you can clearly see the " XXXX, XXXX '' which is a clear indication that my mortgage was paid in XXXX. I will upload the document so you can see exactly what I'm explaining on this complaint. All of this information proves that I was never 30 day 's late on making my payment in XXXX, I paid on time within the 30 day timeframe. 

I called XXXX XXXX XXXX XXXX to explain what they were reporting to the credit bureau was incorrect and it should be an on time payment rather than a 30 day late payment. They continued to say " our records show you were 30 days late, and you have to make a dispute with the credit bureau. '' Once I made a disputed for the 30 day late payment they denied my request to correct the mistake, which led me hear to file this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

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

This is my 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 XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$3800.00} ; US DEPT ED XXXX Balance : {$3200.00} ; US DEPT ED XXXX XXXX : {$3800.00} ; XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$0.00} ; DP OF EDUC XXXX Balance : {$3800.00} ; DP OF EDUC XXXX Balance : {$3800.00} ; DP OF EDUC XXXX Balance : {$3200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX