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

I sent certified first class letters to Experian National Consumer Assistance Center on XX/XX/2020 to dispute my personal information, inquiries, and the account ( s ) that should be closed and deleted due to the accounts moving to collections. The only thing that was changed was the inquiries. I was sent a letter saying that they will not reinvestigate the items I requested to be deleted because they were verified. The accounts that I am asking to be deleted are closed and should not still be reporting on my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call XXXX about incorrect information on my credit report belonging to someone else. The representative viewed their data system and could not locate me and agreed to contact the credit bureaus and remove information. This was done in XXXX of 2021 for XXXX and XXXX. Yet the information is still on Experian and various investigations by Experian will not remove the information.
Product: Consumer Loan

In XXXX of 2016 my wallet was stolen. I filed a police report with my local law enforcement : XXXX Police Department. Soon thereafter my identity was used to acquired various accounts, namely a car loan at XXXX in XXXX CA. They opened an auto loan with Chrysler Capital. Once this was brought to my attention I immediately contacted the detective I was working with at the XXXX Police Department. The detective contacted the General Manager, XXXX at XXXX XXXX and after a thorough investigation it was deemed by the General Manger, XXXX at XXXX as well as the detective with the XXXX Police Department that this loan was in fact fraud. I am providing ALL documentation to evidence such. I have requested multiple times that XXXX Bureaus removed the Charge Off showing under my name with Chrysler Capital and XXXX Bureaus as well as Chrysler Capital are REFUSING to remove this fraudulent information which is preventing me from qualifying for a home loan and other type of credit.
Product: Mortgage

I am having a house built by XXXX XXXX and using their preferred in-house lender NVR Mortgage to be able to take advantage of the closing cost credit they are offering of {$10000.00}. This company has done nothing but shady stuff the entire mortgage process, such as telling me they'd beat or match an offer from another company and then I literally had to work my way up the ladder to managers to get them to beat that offer. Now the latest shady thing, probably unethical and predatory thing they've done is for the past 7 months, the property taxes on all my loan estimates have been {$180.00}. 1 week before closing they issue a new loan estimate with property taxes of {$290.00}. That is a 61.1 % increase in property taxes. When I reached out to my loan officer, XXXX XXXX XXXX, he advised that the county increased their taxes. I said OK, I will contact the county and see if they did. I contact the XXXX XXXX tax collector 's office and they advised me of the opposite. They had lowered taxes from XXXX to .XXXX, and the city tax for XXXX of XXXX had not changed recently at all. When I spoke to XXXX about this last Thursday, he said that their attorneys provide them with this tax information and that they were using that information. But when you do the math out ( ( XXXX [ original tax amount ] x 12 [ months ] ) XXXX [ price of the home ] ) x 100 [ to get the percentage or mill rate = XXXX. That mill rate is very close to the previous mill rate of the COUNTY alone which was XXXX in XXXX. This is very deceptive of them to be doing when I have fought like XXXX  to get my payment down to where it was and then a week before closing they issue new loan estimates with a payment now {$110.00} more than it was. This makes no sense to me. The tax rates have been the same since XXXX, the home building process started in XXXX of XXXX. A lender should not be able to do this. This is deceptive lending and unethical at the least. They've stated that, on the loan estimates it says this amount can change, which yes it can, and I understand that. However, I don't think when that text was put there that they meant it can go up by 61 %. Furthermore, they now want me to be paying the property taxes of {$290.00} a month for the rest of the year even after I've CONFIRMED with XXXX from the XXXX XXXX tax assessors office that the remaining taxes for this year are set at {$730.00} and that they will reassess the property either in XXXX of this year of XXXX of XXXX. Once the property is reassessed my taxes will then go up. In the meantime though, the seller/builder is trying to force me to pay an amount that hasn't even been decided yet, because a new assessment has not even been done yet. If the house is reassessed in XXXX, the taxes for XXXX through XXXX will be due in XXXX. Which if I'm making monthly payments to my escrow account, then common logic would dictate that there is enough in the account for the taxes that are due in XXXX
Product: Credit reporting or other personal consumer reports

I WAS NEVER LATE ON THESE ACCOUNTS. THESE ACCOUNTS HAVE BEEN PAID OFF WITHOUT BEING LATE.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : 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 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
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % Correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? Missing payments from a closed account. DFCU account closed.

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX 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 Bankruptcy passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX  Bankruptcy XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX, TRANSUNION XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX were sent Notice to Cease and Desist reporting of several currently reported injurious claims ; unproven yet to be factual and physically validated as true, correct, complete, timely and certifiably Metro 2 format compliant. 

The claim by XXXX XXXX XXXX XXXX was to be checked for requisites and immediately removed from reporting of ONLY factually true, complete, timely, validated and certified allegations. This original Notice was sent XX/XX/year>. XXXX XXXX, XXXX XXXX, TRANSUNION XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX failed to provide any of the requested information. 

Per my States reporting regulations and the applicable federal guidelines for lawful and compliant reporting of consumer credit, it is unlawful to assume report-ability of any claim without physically verified proof of fullness of truth, completeness of accuracy, timeliness of validity and/or certifiable compliant reporting elsewise to include but not limited to the standards and mandates described or hinted at via the applicable FCRA AND FDCPA laws XXXX much less the standard of compliant reporting of the documented perfect and complete Metro 2 Format compliance of reporting. XXXX XXXX, XXXX XXXX, TRANSUNION XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXs current reporting practices are significantly deficient and unproven to be factually true, correct, complete, timely, validated, and/or elsewise certified compliant as related to the mandates and standards of lawful reporting, per the applicable aspects of FCRA and FDCPA to include but not limited to the mandatorily perfect and complete certified Metro 2 format reporting. 

XXXX XXXX, XXXX XXXX, TRANSUNION XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX SUPPORT are reporting inaccurate and incomplete information, in regards to the below noted allegedly derogatory account. 

A complete dissection of XXXX XXXX, XXXX XXXX, TRANSUNION XXXX XXXX XXXX XXXX and AXXXX XXXX XXXX XXXX XXXXs unlawful reporting is attached to this complaint. The attachment details nearly four years of unsubstantiated reporting.
Product: Debt collection

This company is trying to collect a debt that was NOT validated upon request by XXXX. 
XXXX then sold the " uncollectable '' debt to this collector. By virtue of laws and statutes, the failed validation by XXXX carries for the debt itself, and is DOES NOT become collectable because is was sold or purchased by a third party debt collector. The debt is still uncollectable, may not be reported, and is no longer subject to litigation by Federal laws. This company has been noticed and given 72 hours to remove any and all derogatory information from reported trade lines. failure to do so will lead to litigation by myself, the claimant, against the collector and XXXX. 

Under the guidelines and Federal laws supporting validation of debts, and the companies failure to meet the standards, I demand the derogatory information be removed with prejudice.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting Act : 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 US.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : # XXXX XXXX XXXX XXXX XXXX XXXX Account Open Date : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the below mentioned accounts all have numerous discrepancies across various reporting credit bureaus AND VIOLATED MY RIGHTS : XXXX XXXX ( Installment ) - XXXX - Inaccurate dates XXXX XXXX ( Revolving ) - XXXX - Inaccurate dates XXXX XXXX  ( Revolving ) - XXXX - Inaccurate dates XXXX XXXX ( Revolving ) - XXXX - Inaccurate dates XXXX XXXXXXXX XXXX ( Revolving ) - XXXX  ( no number ) - Inaccurate dates XXXX XXXX XXXXXXXX ( Revolving ) - XXXX  ( no number ) - Inaccurate dates My rights were violated based upon : 15 U.S.C 1681 section 602A. States I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I have contacted all 3 reporting agencies that I did not provide written consent and need them above removed immediately. I would ask the CFPB to enforce the removal directly should they not in a timely manner.
Product: Checking or savings account

I used online bill pay to have Chase send a check to a vendor ( XXXX XXXX XXXX ) in the amount of {$1400.00}. XXXX XXXX is the bank which accepted the check without an endorsement. XXXX XXXX is not the vendor 's bank, and they are not my bank. I was not aware the check had not been received by the vendor, as the funds were immediately debited from my account. A few months later, the vendor contacted me asking me for payment. I looked for proof of payment, and saw that there was no endorsement on the back of the check that was cashed. Apparently someone intercepted the check, and was able to cash it without having to sign the back or provide any identification. 

Chase opened a claim, and then the closed it because " we opened it under the wrong department ''. I was told on the phone by a manager to not worry about sending an affidavit because we were speaking on the phone and she had recorded all the information. The credited my account, but then they took the credit back out and closed the claim. They then informed me that I DID need to provide an affidavit, which I then did, and mailed it to them. It was received on XXXX, XXXX. 

Chase is now telling me that the 90 days did not start until they received the affidavit in the mail. The vendor has now been waiting for over 4 months for payment, and will not come to my house to service my elevator again. Unfortunately, they are the only company who can service it, and it is not working. After hours and hours of phone calls, I am at a standstill. Chase has on multiple occasions started to work the claim, and then canceled it because it was either incorrectly filed, or duplicately filed. I have been passed around from department to department, and the clock keeps restarting on this very simple matter. They should not have released funds when there was no endorsement. 

You can speak to the " Designated placeholder ''. XXXX, option XXXX, reference : XXXX.
Product: Debt collection

To whom it may concern, I am writing to dispute the accuracy of certain collection accounts that have been reported on my credit report. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. to request the immediate removal of these accounts from my credit file due to the failure of the collection agencies to validate the debt as required by law.

The accounts in question are as follows : Jefferson Capital System Account Number : XXXX Reported Balance : XXXX I am disputing these accounts for the following reasons : 1. Failure to Validate Debt Under the FDCPA, specifically 15 U.S.C. 1692g, I requested debt validation from the collection agency for these accounts on XX/XX/year>. As of today, I have not received any documentation or evidence that proves I owe the alleged debt or that the collection agency has the legal right to collect on it. Without proper validation of the debt, the collection agency can not legally report this account to the credit bureaus.

2. Inaccurate Reporting under the FCRA Under the FCRA, specifically 15 U.S.C. 1681i, all information reported to the credit bureaus must be accurate and verifiable. Since the collection agency has failed to provide proof of the debt 's validity, it is my position that this information is inaccurate and should be removed from my credit report.

3. Violation of Consumer Protection Laws By failing to validate the debt within the time frame allowed under the FDCPA, the collection agency has violated my consumer rights. I am requesting that the credit bureaus investigate this matter and remove the collection accounts from my credit report as these debts are unsubstantiated.

Action Requested : I request that you immediately investigate the disputed collection accounts in accordance with the FCRA.

If the collection agency fails to provide proper validation of the debt, I request that these accounts be permanently removed from my credit report.

I also request that you provide me with written verification of the outcome of your investigation, as required by law.

Please be aware that under the FCRA, you are required to complete an investigation within 30 days and provide me with the results in writing. If the collection agencies can not validate the debt or substantiate the accuracy of the reported information, I ask that these collection accounts be removed from my credit file.

Enclosed, please find the following documentation to assist in your investigation : A copy of my credit report showing the disputed collection accounts.

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution of this dispute. 

Sincerely, XXXX XXXX
Product: Checking or savings account

The bank closed my account on  XX/XX/XXXX . Because of overdraft fees, I had a debt of {$400.00} and they would not accept any other deposits [ to the account ] but, they did take my federal and state tax returns, those checks were deposited  XX/XX/XXXX  in the amount of {$3900.00} for federal and {$290.00} for state. On   XXXX   XXXX   XXXX  , I went to the bank and I sent in everything they asked me for and they didnt send me the difference. From XX/XX/XXXX  to date, they have not returned my money. I went to the general manager of the bank, Ive called them, and they havent resolved anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$1200.00} Acct XXXX XXXX XXXX {$280.00} acct # XXXX In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX violated my rights 15 U.S.C 1681 section 602 A. States that 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: Prepaid card

I have three separate American Express gift cards each for {$50.00}. I tried to reload my XXXX gift card balance with these gift cards but kept getting denied. I called XXXX and they said it was on AMEX 's end because AMEX was trying to do 2 temp charges of XXXX cents each and since the reload was for {$50.00}, the transaction was getting denied since I only had {$49.00} available on the card. I reached out to AMEX and did indeed see that I only have {$49.00} available on the card. So I ended up using {$49.00} ( since I couldn't purchase anything with a decimal e.g., {$49.00} ) and it worked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.
Product: Credit reporting or other personal consumer reports

TransUnion continues to falsely report an account and inquiry that should not be on my credit report. I have provided numerous documents to TransUnion and they fail to remove the following one account and one inquiry from my TransUnion credit report : XXXX ) XXXX XXXX XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX XXXX GA XXXX- This company has committed Identity Theft and at no time had my approval to open account or do business with me. I have filed a police report and reported them on identitytheft.gov. The XXXX XXXX XXXX department has conducted an investigation and the police report is attached below. 

- This account is listed as an open account. I have not and will not be doing business with this company at any time. 

- I have requested verification of debt from the company and they have failed to mail me any information requested. 

XXXX ) XXXX XXXX XXXX. 
Address XXXX XXXX XXXX XXXX XXXX, MN XXXX- The inquiry was at no time authorized by me to run my credit. At no time, did I do business with them. I contacted the company after noticing them on my credit report. They did an internal investigation, in which they informed me that a sales representative falsely provided my information and the company utilized the information provided without my permission. They sent me a letter, and notified all credit bureaus to remove it. 


TansUnion have failed to remove the account and inquiry as I have requested over 90 days ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of XXXX, 2021, I sent out a letter requesting XXXX XXXX and Bull City Financial Services to validate a medical collection item for {$380.00}. 

In response to this letter, the collection agency ( Bull City Financial ) responded with a debt collection letter as well as a full copy of the bill with a full description of the services provided to me without proof that I signed an agreement to release my information to them. 

XXXX XXXX sent a response stating that " the company that reported the information has certified to XXXX that the information is accurate ''.
Product: Checking or savings account

I opened a US Bank Silver Business checking account XXXX on XX/XX/year> and I had funds in the account. However some time in XXXX, US bank seems to have closed my account without my consent. Since then ( more than 1 month after the account was closed by them ) I have not received my funds back to me yet. I called them several times, but I have not received a response yet. I request them to return the fund ASAP.
Product: Debt collection

Second time Ive received a letter saying I owe for an apartment that Ive never rented out this time its with XXXX XXXX XXXX Ive called the communities property and they said its gone to collection saying I owe XXXX and Ive been living in my house since XXXX XXXX no need to rent an apartment. This the second time my identity have been stolen I still have police report from the first time and I will be getting another one for this time. I no longer use the last name XXXX Ive been married since XXXX XXXX my new last name is XXXX. Never even been to that side of town or area
Product: Credit card

I have made a purchase using a Citibank card for a Merchant to provide car rental booking service but the Merchant failed to provide that service appropriately, resulting in failure of car rental reservation. 

Dispute was filed with Citibank and Merchant provided response irrelevant to issue. Citibank requested more information from me. I provided detailed information. Citibank wrongly determined my response was incomplete and refused to pursue a charegback.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. You are reporting a DELETED account/information from other bureaus. Per FCRA, reporting must be 100 % accurate or IMMEDIATELY REMOVE the negativity.. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXXXXXX XXXX XXXX XXXXXXXX, CA, XXXX, XXXXXXXX XXXX XXXX