23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 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 that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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: Checking or savings account

I thought that I applied for a legitimate job, but it ended up being a scam. I was contacted by someone I thought was a XXXX  recruiter on XXXX XXXX under the name " XXXX XXXX XXXX ''. I applied for the " job '', and I gave them my SSN, bank account log in information, by XXXX XXXX of my previous jobs, my XXXX tax return, and one of my bank cards. They tried to open a car loan under my name. They have also tried to transfer money between my XXXX bank accounts. They also tried to transfer money from XXXX of my bank accounts to XXXX. This has all occurred from the XXXX of XXXX of this year to XX/XX/XXXX. I have already contacted one of my bank accounts and have gotten them to freeze my account and have gotten a whole new account and cards. I will contact my other bank account to do that as well. I have also made a report to the FTC and have frozen my credit across the three major credit bureaus. They also had me open a XXXX account under my name so that they could transfer the paid training amount into that account. My bank didn't say how much the auto loan was. They tried to transfer money for {$20.00} and then for {$350.00} from my husband 's account to my XXXX account. I called XXXX and they claimed that they didn't see any money and then they closed the account. I didn't have a chance to tell them to report it to the authorities. They transferred the money on XX/XX/XXXX and I talked to XXXX on XX/XX/XXXX. They then tried transferring {$50.00} from one of my bank accounts to XXXX on XX/XX/XXXX and it failed. Then they tried transferring money from one of my bank accounts to XXXX on XX/XX/XXXX for {$25.00} and then for {$100.00}. They also tried to transfer money into XXXX of my bank accounts three times on XX/XX/XXXX, XXXX for {$200.00}, another one for {$500.00}, and the last one for {$4700.00}. They tried to pose as me to get the money transferred so that they could use it for cryptocurrency as I was seeing some of their chats through the mobile app. On XX/XX/XXXX, one transaction went through for {$100.00} from XXXX. On XX/XX/XXXX, there are XXXX pending charges for {$1.00} and {$1.00} from XXXX XXXX. On XX/XX/XXXX, there is a pending charge from XXXX for {$2.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act these accounts have violated my rights under 15 USC 1681 section 602 states I have a right to privacy. Under 15 USC 1681 604 A section 2 a consumer reporting agency can not furnish an account without written instructions. Under 15 USC 1666 B a creditor can not treat a payment on a credit card account under an open consumer credit plan as a late payment for any purpose.
Product: Checking or savings account

Wells Fargo closed 4 bank accounts of mine. they have never sent me the funds. I have called the number I was instructed to and everyday I it rings for 30 minutes before I give up
Product: Credit reporting or other personal consumer reports

Dear TransUnion Dispute Department, I am writing to dispute the following inaccurate records on my credit report. These accounts do not belong to me, and I request their immediate removal : XXXX XXXX  Bankruptcy Reference # XXXXXXXX XXXX XXXX  Bankruptcy Reference # XXXX XXXX XXXX Reference # XXXX As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information. I request that TransUnion investigate these items and remove them from my credit profile.

Please provide written confirmation once this matter has been resolved. If further details are required, please reach out to me at your earliest convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly investigate and correct the dispute account from my Credit Report. The Credit Reporting Agencies continued to report this account as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the account is investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THIS ACCOUNT! I do not believe I am late on the dates this account reports. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX Balance Owed : {$410.00} Date Opened : XX/XX/2020
Product: Credit reporting or other personal consumer reports

After looking over my credit report, I noticed XXXX fraudulent accounts on my credit report. I did not authorize these accounts nor do I recognize these accounts. These fraudulent accounts are affecting my credit score negatively and making it hard for me to obtain credit. I feel like I may have been a victim of identity theft. The fraudulent accounts are XXXX XXXX  XXXX with the account numbers ending in XXXX and XXXX with the balance of {$150.00} and {$400.00} respectfully. Please delete these fraudulent accounts from my credit report and thanks for your time.
Product: Credit reporting or other personal consumer reports

I have a XXXX XXXX XXXX inquiry listed on my credit report, that i do not recognize, that i did not apply for without my consent or knowledge.
Product: Mortgage

Rushmore Loan Management Services, currently has my home loan and during Hurricane IRMA I was contacted and informed that I am eligible to skip 3 months on payment and that the 3 months payments would be placed in the back of my loan. After speaking the representative I asked repeatedly will this effect my credit, the Rep stated that it would not because of the Hurricane Irma and Fema. They even stated that because I was setup on auto pay they will remove me of that for now and I would have to call back in XX/XX/2017 to get the auto pay back up. But about a month later I started getting mail about loan modifications and late pays, so I called the lender and they stated not to worry about the letters its systematic letters they have me under the program until XX/XX/XXXX. Now just a few weeks ago I went applied for a home equity loan and was told that my lender is show me past due on my payments. I called the lender to correct the reporting and to send me a letter. I have not heard from them or received a letter regarding my payments.
Product: Mortgage

Rushmore Loan Management, LLC is the servicer on my mortgage loan sinceXX/XX/XXXX. They have incorrectly placed my mortgage in default. I provided every month of proof of payment between XX/XX/XXXX through XX/XX/XXXX and they have not corrected this. Rushmore now says that it is due to a payment XX/XX/XXXX prior to them servicing the loan. I 've asked them why they are trying to collect on the loan prior to them servicing loan. They stated XXXX XXXX XXXX transferred loan stating I was one month in default and did n't receive XX/XX/XXXX. I have provided copies of proof of payment and the cleared & endorsed check by XXXX XXXX XXXX for the XX/XX/XXXX payment. Now, Rushmore states that it is due to an XX/XX/XXXX missed payment. I explainded that payment was n't required because I have a statement with XXXX Balance due because an adjustment that was made due to a Modification from XXXX  XXXX XXXX. I have provided that information and Rushmore Loan Management continues to keep my loan in default. Please see copy of the XX/XX/XXXX statement with zero balance due.
Product: Credit card or prepaid card

An At & T credit card application was send to my home address in the FRAUDULENT name of XXXX XXXX. 

I am no that person.
Product: Credit card or prepaid card

Chase Bank Credit Card 's Fraud Department has made a series of gross errors & incorrect actions due to their internal confusions & their lack of continuities with their disjointed processing over various departments, each different depratment, not know what the other department is doing, resulting in incorrect information being transferred & erroneous decisions being made against the interests of its customers, who bear the impact of its wrong decisions & actions. 

Attached herein are the erroneous decisions & actions carried out erroneously by less than professional staff of Chase Bank Credit Card, first assuming there has been fraud & unilaterally shutting my Credit Card Account by jumping to the wrong conclusion & assuming fraud has been committed, without checking or verifying with us, the customer ( victim ) BUT in actual fact, there is NO FRAUD WHATSOEVER!!! 

In the attached Chase letters, Chase jumped to the conclusion that I claim forgery, when IN ACTUAL FACT, I never claimed any forgery!!! 
Chase unilaterally, without checking nor verifying with me, wrongly informed & instructed various Credit Score Companies of NON-EXISTENT FRAUDS & /OR FORGERY!!!!

Subsequently, after I have officially written in to inform Chase Credit Card Fraud Dept. there ther has absolutely been NO FRAUD, NO FORGERY COMMITTED, then Chase Bank then sent its retraction letter & started its DAMAGE CONTROL processes. However, Chase 's erroneous mistakes have already caused its damages to its client, namely me!!!

Consequently, Chase Bank Credit Card has its official duties to its customers to put right, rectify, restore & reinstate its customer 's correct positions before what Chase has wrongfully done, by normalizing my credit cards back to its original position.

Chase Bank Credit Card has requested for my various documents which I had complied to the letter & sent them to Chase at their branches, that led to their official credit card approval & issuing the physical card to me. The Chase Bank has acknowledged receipt of my various relevant documents & on that basis, official approved the cards!!!

Hence, Chase should respect & honor its own decisions & caused so much distress to its client, namely me!!!
Product: Checking or savings account

I was scammed by a company called XXXX XXXX. My bank held me responsible for paying for the gift cards that XXXX had me purchase with their money. I told the bank to deny the XXXX transaction as it was related to the fraud and XXXX XXXX  got their money back plus mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, The following accounts listed below do not belong to me. 
Please remove both accounts completely from all three credit bureau 's. 

XXXX XXXX  - Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Thanks in advance for your assistance regarding this request. 

My contact information is as followings : XXXX XXXX XXXX Mobile phone : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 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.In accordance with the Fair Credit Reporting act. 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 XXXX XXXX XXXX XXXX XXXX XXXX  Accounting # XXXX and XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX  Account XXXX XXXXTRANSUNION REPORTING AGENCY, XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

I have reviewed my report for the 3rd time. I submitted a letter to Transunion on XX/XX/2024. Now I'm reaching out again regarding errors and misleading information on my credit report. It's been over 30 days since my initial inquiry, as required by the Fair Credit Reporting Act ( FCRA ), and I've yet to receive a response. This is my third attempt to address this matter. The lack of action is causing significant distress, which goes against the FCRA 's requirement for timely investigation of disputes, as outlined in Section 611 ( a ). Since this timeframe has passed without any investigation or response, I am requesting the immediate removal of the disputed items from my credit report, in accordance with the FCRA.
Product: Debt collection

On or about  XXXX   XXXX ,  2017 ,  Focus Receivables Management r eported to   XXXX   a false claim that I owed {$500.00} to an unnamed entity. They claimed a fictitious account number of  XXXX . I have no outstanding debt ; certainly none in arrears and no account ending in  XXXX .     I have not received any communication from Focus or any other entity regarding a debt. I believe they are operating in violation of Californ ia Civil Code section 1788 et. seq.
Product: Money transfer, virtual currency, or money service

Cash app will not let me get account with my number or I needed to know why and like what do I need
Product: Credit reporting or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXXXXXX XXXX  8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX I XXXX XXXX XXXX XXXX XXXX, XXXX Pennsylvania XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX box XXXX XXXX XXXX PA XXXX Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ 1000+ per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in writ composition. Legally a consumer complaint notices in demand for a check for compliance and further irrefutable evidence to such claim. 

THIS IS MY OFFICIAL WRITTEN COMPLAINT! 

XXXX  XXXX XXXX  XXXXXXXX XXXX XXXX  - XXXX XXXX. XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per Federal and my states reporting laws, you MUST AFFIRM and CONFIRM ANY AND ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU.

To be clear, you are mandated by laws to eliminate every notation and or aspect of ANY AND ALL derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. 

PLEASE FIX MY REPORT WITHIN 15 DAYS!
Product: Mortgage

For two years in a row, PennyMac has not paid my Escrow for insurance on my house in time. The first time in XXXX, my insurance was cancelled and ultimately resolved. 

This year in XXXX, I have received a call from my insurance company that my insurance was suspended do to lack of payment. After contacting PennyMac, it turns out that my payment was not mailed out and that they would take care of it. Payment was eventually made ( after 5 hours of my time back and forth with the insurance company ), but it should not be the responsibility year over year to be a go-between to make sure payments are made.

When I ask XXXXXXXX XXXX about the calls and letter that PennyMac mailed, they have no record, PennyMac hasn't provided me any details of them calling XXXX XXXX and or the company they represent XXXX XXXX. 

This can cause harm to my credit.
Product: Credit reporting or other personal consumer reports

Upon examining my credit report, I found inaccuracies in some of the information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus are required to verify these accounts. It is impermissible for them to classify this reporting account as unverified without furnishing evidence within the legally stipulated timeframe. The following accounts require investigation and correction due to erroneous reporting on my credit file, as listed in my credit report : 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

Hello i initially sent a dispute out to XXXX about this account with XXXX on XX/XX/year> there was also a cfpb complaint sent with the complaint id XXXX. MY dispute results came back saying it was verified but yet after pulling my credit report there are still errors and violations. How is the account verified as accurate when XXXX did an investigation and said the same thing but the facts on the accounts are not matching on XXXX  profiles. According to the law consumer report have to be reports with maximum possible accuracy that is 100 %. XXXX pointing out again you are in violation. Furthermore transunoin failed to notate this account was in dispute and it has been way over XXXX  days from the time I sent the dispute, 15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information ( 3 ) -Duty to provide notice of dispute. Delete this account from my report please immediately. This is a also a violation of 15 U.S. Code 1681s2 ( A ) Reporting information with actual knowledge of errors and ( B ) Reporting information after notice and confirmation of errors. I'm attaching the previous dispute i sent as well as the screen shot and the markups of the violations.