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

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confir
m my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX
Product: Debt collection

Bonneville Collections in XXXX Idaho refuses to provide me with the names of the original creditors and the amounts so that I can verify the debts. All they will provide me with is the total amount due and no names of original creditors. They refuse to do so saying that they do n't have my current address and until they have it they will not give me that information. I have a recording of our conversation as proof of this refusal to provide me with the information.
Product: Checking or savings account

On XX/XX/XXXX, I deposited a cashiers check from another bank into my 5/3 bank account. I confirmed with the bank teller that the cashiers check was valid and once it cleared it would be available as funds to me. Amount {$1900.00}. The next day, I verified the amount was cleared in my account, I then contacted my bank to confirm the same. 5/3 confirmed the amount had cleared and the money was in my account. On XX/XX/XXXX, I noticed the deposit was involuntarily removed from my account. I contacted XXXX who stated the money was removed and could not tell me why other than I should contact the issuing bank? I asked to speak to a supervisor who gave me the same information ( XXXX ). I advised the bank representatives that once they clear another banks check, and deposit that money in my account, they can not arbitrarily remove it. If there is a dispute, it is their responsibility not mine.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX 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 victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX {$470.00} XXXX XXXX XXXX {$580.00} XXXX XXXX Bank {$1000.00} XXXX XXXXXXXX XXXX XXXXXXXX {$970.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX {$1000.00} Dept. of EdXXXX {$3500.00} {$2000.00} {$4000.00} {$3500.00} {$2000.00} {$4500.00} {$2000.00} {$4000.00} {$1000.00} US Dept . of EducationXXXX {$27000.00} XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
Original Creditor : 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 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 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: Debt collection

I owed Original Creditor : Ford Credit, approximately, {$890.00}, however, that was in 2001. 
I received a letter yesterday, attempting to Collect on this " Over '' 10year, debt.This debt doen not even appear on my XXXX Credit report. Would you please " look '' into the Validity of this Nature, please. Thank-you, sincerely, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information in my credit report was incorrect when I looked into it. In accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), XXXX, XXXX and TransUnion must authenticate this account. ( A ). Treating this reporting account as unverified information without presenting evidence within the allotted legal time frame is unacceptable. Both 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) are mentioned. ( A ), kindly look at the following unverified account : XXXX XXXX XXXX  Balance : {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2023, i requested my free annual credit report from XXXX to obtain my Equifax credit report. It was denied and refused to be given my free annual credit report. With no explanation. Equifax has BLOCKED access to my credit report, unlawfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

On 3 separate occasions I asked XXXX, Trans Union, and XXXX to dispute a collection on my credit report as incorrect. I asked for pictures as well as their documentation as I have mine. None of this was provided by the collection agency reporting the debt nor any of the 3 credit reporting agencies. When I tried to dispute again I was refused. They said the information was correct as reported by the company. When I asked what information was correct each reporting agency was UNABALE to give me that information. When I asked were they able to provide pictures they were NOT. I was able to provide that I paid on time and in full up until 3 weeks before my lease was up. I did NOT leave any damages NOR any furniture behind. They were UNABLE to provide any pictures proving their claim that I did. They rerented the apartment immediately after I moved out. I had a deposit of {$570.00} That should have covered majority of any moved out expenses. They did not report it to any collection agency for 3 years. So I was under the impression that everything was okay. Now I am finding out I owe {$2800.00}! They say I owe XXXX water bills. That is not possible as it was built into the rent. I Have proof from YES MANAGEMENT who does their billing that I OWE NOTHING for water, sewer, trash, nor rent. They also owed us {$100.00} at the time we moved out for a referral bonus. That was never applied to anything. Our lease was up XX/XX/2020. We moved out XX/XX/2020.
Product: Mortgage

Bank of America ( BOA ) has been my mortgage lender for many years. Monthly mortgage payments always included the escrow. I refinanced in XXXX with BOA. XX/XX/XXXX my monthly mortgage payment was {$860.00}, including escrow. 
In XXXX I started receiving notices from XXXX XXXX XXXX, property tax not paid. Contacted BOA and was told, no worries since payments are made quarterly. Delinquency notices continued with increased amounts due. After numerous phone calls, I was told BOA used a third party to pay my property tax. Third party submitted payments to XXXX using the wrong block/lot number. I continued to make follow up calls. BOA advised they were waiting for monies back from the third party before paying my property tax. In XX/XX/XXXX, my monthly payment increased to {$1200.00}. It has gone up to {$1700.00}. Currently at {$1200.00}. Follow up calls continued. BOA advised the XXXX XXXX XXXX now show my account paid. 
BOA continues to collect escrow, when I believe an escrow analysis should have been done to refund overpayments and return my monthly payments to {$860.00}. I've asked BOA several times to provide me an explanation in writing, to include the final resolution to correct the error with an end date. Needless to say, there was no one at BOA who would commit to providing me with this information. 

Thank you for your consideration.
Product: Debt collection

I do not owe the XXXX XXXX XXXX C/O RESURGENT CAPITAL SERVICES charges they keep claiming I need to pay to them or someone else. It's so frustrating and it's also affecting my credit history. I just paid my Student Loans and that is showing that I'm a very responsible person to make my payments on time if they are mine to make.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Dear XXXX, I have never entered into a contract with the creditor and collection agency listed below. Therefore, I request that this account be removed because it is inaccurate, and not 100 % on my credit report. My next decision will be to file a lawsuit for statutory damages for inaccurate reporting. I have disputed this several times and nothing seems to be done or accomplished. Therefore, I will include XXXX, XXXX, & Velocity into my lawsuit. 

I have requested a copy of the original contract with my original signature. I have requested a copy of the payment history made by me. I have requested the proof of the debt assignment and proof that I legally owe this debt. And lastly, none of these companies supplied back to me what I requested and it has been more than XXXX, which I will include in my lawsuit if not removed from my credit report. And they have never sent me a 1099c because I never entered a contract with this creditor. 

XXXX XXXX XXXX account with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. XXXX FCRA XXXX XXXX, it is illegal to report inaccurate information on my credit report. Please remove this item from my credit report. 15 U.S. Code 1681 ( a ) ....

A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from theft. The account listed above should not be furnished in my consumer report as it is in VIOLATION!!! Under, 15 U.S. Code 1681 ( b ) - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which VIOLATES my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of this account. I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX ( MO ), XXXX XXXX XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 

Thank you for your assistance. 

I personally signed and sent this letter. I am NOT being represented by any credit repair agency or third party. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I send a police report report together with other to Eperian requesting account that did not belong to me to delete them and also to update my records as letter stated from the creditos. Also send them copy of drivers license for the verification of my of my identity since I am victim of fraud and they know about it. The police report included everything they are putting on their response. They refused to block eventhough they have copy of my police report and my XXXX creditor.s
Product: Checking or savings account

Chime online banking. 
Reported false credit report to the credit bureaus and refuse to correct their mistakes. I have filed a few complaints and requests for Chime to correct their mistakes and report the correct information to the credit bureaus since XX/XX/2022 and instead of them correcting this issue they have decided to terminate my account.
Product: Debt collection

In retaliation for filing a complaint with the comptroller of the currency, Chase bank has sent me repeated harassing, and abusive calls, emails and letters demanding varying amounts of money if I don't spend my own time any money to help Chase clear their complaints with various federal regulators. The calls and messages have been getting increasingly aggressive and No less than 2 people from the executive office have called and the last time they called it was to inform me that they were not lifting the 'special hold ' they had placed on my check and were refusing to cash it or deposit it, instead withholding my money ( cash or deposit ) unlit I helped Chase dismiss my complaints. The executive team member demanded I bring in my proof of Chase 's wrongdoing ( that I had included a copy of in my previous CFPB complaint ) " to any branch '' so they could mark it up and destroy it. It was clear their entire aim was to get my complaint dismissed by destroying my only piece of evidence that this was Chase 's error. When I asked to make clear that Chase had called me and Chase was refusing to cash or deposit my check, I was abruptly hung up on and the very next day Chase retaliated by reporting a 400 % over-utilization and a delinquency to every credit reporting agency, despite keeping my money held up, in the middle of their own internal investigation. 

On my most recent interaction, Chase bank called me on a recorded line and after being told the call was an attempt to collect a debt, I offered to pay the debt in full. Chase XXXX who makes more money the longer I'm delinquent ), became upset that I wanted to clear my debt on the spot and refused to accept my payment. After being transferred to a decision maker at the supervisory level, It was made clear to me ( on this recorded call ) by Chase that my payment was being refused because I no longer owed the debt and my credit would be restored. It was my understanding that because I was talking to a supervisor, that Chase was alerting me that the investigation into my previous CFPB complaint had concluded that Chase was wrong and that my account was being adjusted accordingly. I was hung up on again after insisting I pay my debt in full that moment. 

I could not pay online or directly from my account because Chase is still putting a " special hold '' on my deposits ( Chase told me nearly a month ago that if the " special hold '' was lifted, my money would be available in my account within XXXX business days ) and I can not pay over the phone because chase keeps refusing payment and hangs up on me when I try to pay in full. Then I get another notification, or email or letter the next day or say claiming I owe even more money for not paying. Every person I talk to makes it clear to me that this is not a normal situation and that something irregular at Chase is occurring, but every time someone realizes the error is on Chase 's end, that's the last I hear from that person. I've been ducked by by Chase 's executive team, branch managers, call center reps, supervisors, attorneys, and more. 

This can not be coincidence and is clearly retaliation.
Product: Credit card

IT seems that Synchrony Bank reduced my credit limit from {$3500.00} to {$2100.00} on XX/XX/year> even though I have never been late with a payment with this account, have always paid on time, It is unsecured as well. This account was opened several years ago XXXX a " perfect paying '' record and is current..I have many credit cards that are in good standing and current and there shouldn't be any reason why my credit limit on this particular account should be decreased, if anything it should be increased back up to the limit is was before it was changed as I have stated, I have a good paying record. IF it is because of a problem I am having with another creditor listed on my credit report, well, that has nothing to do with my paying " this account '' every month when there is something owed on it. IT is " unfair '' to target this account because of non=current problems with other creditors cause this account ending in XXXX is current and always has been. Now, If the account wasn't current, then I can understand decreasing the credit limit or even closing it per issuers credit card agreement... I think it is " unfair '' / '' unreasonable '' under the Fair Credit Protection Act to decrease the credit limit based on another creditors listing, since this account has already been open for some time if it is decreased because of another creditors notes or delinquency well, " That '' doesn't have anything to do with " THIS '' account.Synchrony Bank should only be concerned with the monthly payments on this account ending in XXXX and not others that don't " have anything to do with this account. I think it is a " retaliatory '' measure against me for filing multiple complaints against Synchrony Bank for regarding multiple credit cards accounts I have with synchrony Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by me nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting..I previously requested proof of verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. Once again, I need the following inquiries deleted as soon as possible : XXXX XXXX Inquired on XXXX XXXX, 2022 ; XXXX  XXXX XXXX XXXX Inquired on XXXX XXXX, 2022 ; XXXX XXXX XXXX Inquired on XXXX XXXX, 2022 ; XXXX XXXX Inquired on XXXX XXXX, 2022
Product: Credit reporting or other personal consumer reports

Credit Karma and all 3 credit bureaus have failed to remove a late payment from XX/XX/year> from my reports despite constant contact and attempts made by me to have it removed. Credit Karma has an automated system set up so that it will automatically deposit and withdraw money to/from an account which will then withdraw and deposit money into another account that is connected to a credit line designed to help build credit. 

The account records show that the accounts not only failed to even attempt to withdraw and deposit for XXXX payment, but then had a delayed deposit/withdrawal on a second payment as well. Due to the system failing to operate as it was supposed to, I am not liable for damages. Once I realized what had happened, I promptly ensured the account was current and contacted Credit Karma to advise them of the system and account issue. Credit Karma and all three Credit Bureaus ( XXXX, XXXX, and XXXX ) have been unhelpful in solving this issue and removing the late status from my reports. There has been a couple times where the credit bureaus have removed the late history before readding it later on and a few times where the credit bureaus have failed to send dispute reports. This has gone on for around XXXX XXXXonths now, which is an extraordinarily long time for something as simple as a system error causing a {$10.00} payment to be made late.
Product: Credit reporting

In the last XXXX job applications I asked to be sent a copy of my Consumer Report and both included, in the XXXX and the Felony Including Misdemeanor sections, a " Previous Address '' which I 've never lived at. My current address is correct, which I 've lived in since XX/XX/2001. Most job applications ask how long I 've been at my current address, and I always answer the correct amount of years, but if my 'Consumer Report ' says I 've lived somewhere I 've never been and I do n't even know *when* it says I 've lived there, the places I am applying to may see this as me lying on my job application and thus not give me a job. I do not know how long this has been in my 'file ', but I do know that I have been looking for a job for the past 6 *months*, and as I have no black marks from my previous jobs, no felonies nor misdemeanors nor even a parking ticket, I can only assume it is due to this fake address somehow in my Consumer Report.
Product: Credit card

Hello Team, I recently applied for a Huntington bank voice Credit card upon a invitation call from the bank representative in XXXX MI branch. 
After i visited the branch and provided all information she went ahead with processing my application. After sometime she came back to me stating my application is rejected as I am not a US citizen. 

I have many different credit cards and I have been living here since 3 years on a work visa. I have an excellent credit score. 
I want to know : 1 ) Is it legal for banks to reject Credit card application even if the person 's credit score is excellent and has furnished all his documents to bank. 
2 ) The bank should clearly mention it in the invitation and advertisement that credit cards are only for US citizens. 

This has left me with a shock on why my credit card application was rejected due to citizenship even if I am a tax paying, law abiding person legally living and working in US. 
- The bank invited me and processed my application taking my 30 minutes just to answer back that my application is rejected. This is disgusting and very frustrating. 

I want your help for the matter to be investigated and proper justification from bank. 

thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion  LLC   XXXX .  XXXX   XXXX   XXXX , PA  XXXX   XXXX  The following are credit inquires that should not be listed on my TransUnion credit report. I never authorized these companies to access my credit report. I have never heard of these companies. I have contacted customer service for each of these companies and they refuse to help care of the negative inquiries reporting to your credit report That I did not authorize. I also contacted TransUnion and customer service refused to help. I was told by TransUnion to contact the companies even after explaining that I have already contacted each of these companies numerous times.  <P/> Date :    XX/XX/XXXX   Co mpany Name :  XXXX  Address :  XXXX   XXXX   XXXX   XXXX , FL  XXXX  Phone # : (  XXXX  )  XXXX  Date :    XX/XX/XXXX Com  pany Name :  XXXX  Address :  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  Phone # : (  XXXX  )  XXXX  Date :   XX/XX/XXXX Co mpany Name :  XXXX   XXXX   XXXX   XXXX .   Address :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  Phone # : (  XXXX  )  XXXX