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

I'm asking for your help with the dispute of two same fraud collections I have on my credit report. Recently I got a letter from XXXX XXXX XXXX that I have a collection amount of {$890.00} which the original owner from XXXX XXXX XXXX - Equipment. I research online when I got this letter that many people got the same amount, so I thought this is a fraud. A few weeks ago, I got a letter to ignore this and the last time I have a business was in XX/XX/XXXX, which I use my XXXX tax id to open the credit card processing. Since I thought this was all clear/mistake, so I throw away that letter. On the day of XXXX, I got an email alert from Experian that I have 2 collections from the XXXX XXXX XXXX. I contacted Experian on XX/XX/XXXX, which I have to wait for an hour before I can put a dispute. When spoken to them, it seems they don't take down any note from my explanation to do their investigation. I try to tell them there is no way I have the same 2 collections at the same time. On XX/XX/XXXX, I got an email said the dispute investigation is complete. I try to get online to read the report, but couldn't find any detail. I would expect they would take time to investigate this matter since they use my personal information for their monetary benefit. 
I have contacted the third party that sold me the service, and they said all of my accounts are clear. I have to contact Experian again to see what happen, but I don't have time to be waiting on hold for an hour. I'm a XXXX veteran and I don't have this kind of energy to with hours of my time to fix an error that is not my end.
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possibl
Product: Credit card or prepaid card

I was called on XX/XX/XXXX17 by a XXXX XXXX XXXX from Discover card services. He informed me that I had overpaid Discover card services too much interest over a 10 year period. I was told that I was entered in a class action law suite and the Lawyers had already been assigned. My attorney was. XXXX XXXX XXXX and he would be representing me. I was also told he would have to speak for me. I did agree. XXXX XXXX told me I would receive XXXX.I was told that I would receive this money in 30-to-45 days.He also gave me a phone number of XXXX.Ext XXXX. He then told me that I could cak call any time and someone would answer.He also gave me an external bank account number good XXXX. No bank name. He also stated if I got a bill not to pay it. Discover did a balance transfer to XXXX XXXX XXXX. I am now receiving a bill which I am trying to pay. I am XXXX  years old and living in a fixed income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$38000.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$33000.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX
Product: Credit reporting

Account numberXXXX .... 
I contacted Experian telling them that an account was reporting past the delinquency time, in addition, I contacted the original credit and they no longer have the account on file. Experian will not allow me to dispute this account again, for lack of new information. The new information is that this is past XXXX years from the original delinquency. I understand that this is scheduled to come off in a month, but I 'd like for it to be removed now. I contacted the original creditor and they do n't even have record of the account anymore, because the company is no longer existing, though it has been transferred to XXXX XXXX, XXXX XXXX told me to contact the bureau. I checked my report and Experian noted it as if it was just recently disputed and update, but the XXXX XXXX rep stated that they do n't have the account in their files and did not receive any recent disputes that they can find under my social. I feel stuck and like I am the only one being penalized in this process. I 'd like this account deleted please. Thank you
Product: Credit reporting or other personal consumer reports

On several occasions, starting on XX/XX/year>, I have written to XXXX XXXX XXXX requesting why they have inserted an account on to my credit bureau report that does not belong to me. 


XXXX XXXX XXXX Acct # XXXX Alleged Amount {$1200.00} A fair resolution would be to have them remove this false and misleading information from my XXXX, XXXX, and Equifax credit bureau reports.
Product: Checking or savings account

So repeated I have been charged overdraft fees due to non sufficient funds in my account. I ask them why I am this getting charged overdraft fees even tho I opt to not have any money taken out especially if my account is empty.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports. The investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates I saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! 

Account Name : XXXX XXXX XXXX XXXX XXXX  THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Product: Checking or savings account

Application to open A 1 year Cd account at BMO Harris Bank online at ad interest rate of 1.65.. Bank ' processing dalay in funding the account from my XXXX XXXX  , to my surprise I received email from BMO Harris Bank stating that initial deposit in my CD account {$100000.00} is complete funding from My XXXX XXXX. Having No further details of the account, I tried unsuccessfuly calling Bank multiple time requesting status of my CD account about rate of interest, maturity date, account number etc. Finally after few days, I got access to my CD account online when I found out the interest rate is so much low is assigned to the account. It is way lower than my XXXX XXXX  rate 1.30 It is unreal for me to move money from Bank patying 1.30 to BMO bank f paying 1,14. I tried to request to reverse money back to where it came from. or adjust rate up. No response.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I filed a dispute with Transunion and received a final investigation on XXXXUpon receiving an updated consumer report I still noticed fraudulent accounts on my report, and received no information on how these accounts were verified.
Product: Debt collection

i was looking at my credit reports and noticed that there was several collections and i have no idea what they are for i contacted XXXX XXXX and also MCM debt collections agency and advised them that this isnt accurate and i have no knowledge of these accounts, i keep disputing and they keep coming back as valid, i had my name and credit compromised due to data breech and also identity theft in the past, i want these collections removed immediately from all three bureaus. 
there is also my name spelled so many different ways and also a lot of inquiries that need to be removed.
Product: Checking or savings account

See attached AZ Attorney General Consumer Fraud complaint against US Bank.
Product: Debt collection

I sent Midland credit a certified letter pertains to the fraudulently 2 collections on my credit file XXXX and XXXX. I ask for them to send me the purchase agreement regarding these collections. I have gotten no response and I want the fraudulent action to be removed from my credit files. They are in violation of the FCRA and my rights. They have been given multiple chances and have failed to comply. This is my final request!
Product: Credit reporting or other personal consumer reports

My personal information was exposed in a data breach. The accounts listed do not belong to me. 

XXXX XXXX XXXX- ACCT # : XXXX, Bal- {$17000.00}, date opened : XX/XX/XXXX XXXX XXXX- ACCT # : XXXX, Bal- {$4900.00}, date opened : XX/XX/XXXX XXXX- Acct # : XXXX, Bal- {$0.00}, opened : XXXX XXXX, XXXX XXXX  XXXX XXXX - ACCT # : XXXX XXXX Bal- {$2300.00}, opened : XX/XX/XXXX XXXX XXXX XXXX- ACCT # : XXXX, Bal- {$270.00}, opened : XX/XX/XXXX XXXX XXXX XXXX- ACCT # : XXXX, Bal- {$190.00}, opened : XX/XX/XXXX XXXX XXXX XXXX- ACCT # : XXXX, Bal- {$1500.00} , opened : XX/XX/XXXX XXXX XXXX XXXX  - ACCT # : XXXX, Bal- {$950.00}, opened XXXX XX/XX/XXXX XXXX  XXXX- ACCT # : XXXX, Bal- {$190.00}, opened : XX/XX/XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX XX/XX/1983 ss # XXXX. For some reason. I can not open a bank account or cash a check. Someone stolen my identity a while back. Now I have XXXX XXXX .It is supposed to prevent people from stealing my info. I need help. I don't know what to do. I couldn't even get a check cashed to get my kids XXXX this year. Please help me fix this. Thanks
Product: Mortgage

I have owned my home since XXXX and have never been required to carry flood insurance. On XX/XX/XXXX, I received by mail a letter from RoundPoint Mortgage Servicing advising that my property was now in a Special Flood Hazard Area due to a flood map revision issued by XXXX. The RoundPoint letter dated XX/XX/XXXX said that if proper evidence of acceptable flood insurance was not received within 45 days of the date of the notice, then they would purchase coverage at my expense effective XX/XX/XXXX. 

After receiving the notice, I contacted flood agent, XXXX XXXX who advised that they could not back date a new policy to reflect an effective date of XX/XX/XXXX. XXXX XXXX also advised that in Florida, there is a 15 to 30-day waiting period before a new flood insurance policy could go into effect. On XX/XX/XXXX, I purchased the new flood policy for {$490.00} ( annual premium ) and because of the mandatory wait period it did not go into effect until XX/XX/XXXX. 

After submitting proof of the new flood policy, I received from RoundPoint Mortgage Servicing a letter that contained 'Evidence of Lender-Placed Flood Insurance ' with coverage dates of XX/XX/XXXX to XX/XX/XXXX, that listed an annual premium of {$3600.00}. 

In doing my own calculations for the lender placed flood insurance, the 43 days ( XX/XX/XXXX to XX/XX/XXXX ) of flood insurance will cost me {$430.00}. The same 43 days with my current flood insurance is {$58.00}. 

I contacted RoundPoint Mortgage Servicing several times to dispute the lender placed flood insurance and cost. I explained to them numerous times that I could not purchase a new flood policy with a post date of XX/XX/XXXX and there was a mandatory wait period before the policy could go into effect. In response, I was told I owed for the lender placed insurance and the cost would be divided into monthly payments that would be added to my mortgage payment.
Product: Mortgage

It's the same issue as every other month and all my prior complaints. I call the HAF to find out why my payment is not showing with my mortgage lender yet and the XXXX lets me know that they sent the payment to Flagstar weeks earlier, but Flagstar sits on the payment and does not apply it in a timely fashion, allowing it to be in default. Last month they assessed me a late fee when I was assured that no late fee would ever be incurred while on this program. We are now rapidly approaching the late fee date again this month and I am trying to get ahead of this issue before it occurs again. Another person that I know who is also on the same HAF program and also has Flagstar had their payment applied almost a week ago and mine is still not posted.
Product: Prepaid card

I have been a loyal member with American Express for over 12 years. In February of this year they decide to change my credit limit from no credit limit to a reduced credit limit. The reduced credit limit caused me not to be able to use my credit card. I wrote the corporate office a letter, and did not get a response from them, called American Express about the reduced limit and received a vague response from their representative. 
I have never missed a payment, and usually pay more than the required amount due. 

Please advise A senior citizen looking for some answers.
Product: Credit reporting or other personal consumer reports

Experian is the only bureau that shows a bankruptcy on my credit report. The courts do not report to them or anyone else. I have asked they verify the information from the courts. They say the company that they use has verified which they havent they have no way to. They refuse to delete this off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to review my credit report and notice unauthorized and also incorrect information or error on my credit report
Product: Credit reporting or other personal consumer reports

This secondary CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681b, c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of you reporting inaccurate, incorrect, unverifiable information, identity theft and fraud within 4 business days of you receiving this complaint. The inaccurate, incorrect and unverifiable account information as well as negative payment history and some hard inquiries that I do not recognize and that do not have permissible purpose to be on my Fico Consumer credit report in accordance with Fair Credit Reporting Act. These violations of my rights and the Fair Credit Reporting Act must be deleted immediately! These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The ACCOUNTS are as follows : closed XXXX  XXXX account number XXXX opened on XX/XX/XXXX with 13 months of inaccurate negative payment history and collections account XXXX XXXX XXXX account number XXXX opened on XX/XX/XXXX with 2 months of inaccurate negative payment history. The fraudulent hard inquiries appearing on my consumer FICO credit report are as follows : [ XXXX XXXX on XX/XX/XXXX ], [ XXXX on XX/XX/XXXX ], [ XXXX XXXX  on XX/XX/XXXX ], [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ], [ XXXX BANK on XX/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 on XX/XX/XXXX ], and finally [ XXXXXXXX XXXX  on XX/XX/XXXX ]. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me therefore you are in violation of my rights protected by FCRA 605B ( 15 U.S.C. 1681b, c-2 ) and these items illegally reported must be deleted immediately! All of the aforementioned accounts, collections, and hard inquiries are the result of you reporting inaccurate, incorrect, unverifiable information, identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of you reporting inaccurate, incorrect, unverifiable information, identity theft and fraud.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general 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 ot the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code $ 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code $ 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR {$1000.00} states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting.
Product: Credit reporting or other personal consumer reports

I've noticed on my consumer report that there are fraudulent INQUIRIES that arose from IDENTITY THEFT that did not meet the identity verification required by law on my consumer report. 
The Following Inquiries are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX XXXX Bank XXXX XXXX XX/XX/2023 TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report on XX/XX/XXXX after being denied a home loan. Denial was for a {$9600.00} debt from XX/XX/XXXX. 
I called the company listed on my credit report on XX/XX/XXXX. They referred me to a law firm, Tate & Kirlin. 
I called Tate & Kirlin Associates on XX/XX/XXXX. I was told the debt was a credit card that was opened on XX/XX/XXXX and last closed XX/XX/XXXX. I was not aware of the debt. 

I have a credit report that I pulled on XX/XX/XXXX which did not reflect any issue of this type.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 (a) (1) (A) and 611 (a) (1) (A). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report: XXXX XXXX XXXX  Balance: $0.00