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

I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. I also have not been able to obtain a credit score from your company for over 60 days. If you would please be so kind to update my credit score and also delete this inaccurate information from my credit profile within the next XXXX days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
My current and only address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.

You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately delete any and all social security numbers that your company is reporting on my credit report. 
My date of birth is Date of Birth : XX/XX/1994. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
I do NOT have any requisite spouses nor roommates nor co-applicants and I do NOT desire any spouses or roommates or co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
Thank you, in advance, for honoring my requests. Its my understanding that you have up to XXXX days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Once you have removed the inaccurate information, I would like my full completed and corrected credit report showing these changes mailed to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

Fraudulent transaction charged on XX/XX/ in the amount of {$550.00} Chase Bank refunded back {$550.00} once reported on XX/XX/ Merchant refunded back {$50.00} out of {$500.00} without solicitation or request on XX/XX/ Refund from Merchant of {$50.00} prompted Chase to charge {$550.00} stating I know merchant since they refunded {$50.00}. 
I told Chase I do not know merchant and did not authorize any charges or credits to my account. Therefore any charges and credits from Merchant are fraudulent. Chase is unwilling to refund fraud transactions.
Product: Credit card or prepaid card

This is a complaint against commenity bank for the XXXX credit   card. They have charged me fees due to their predatory set-up. 
First off they do not offer automatic payments which would resolve any and all issues. 
Second their website is not reliable. Every time I try to sign in the servers are down. Also the cutoff time for payment on the due date is XXXX instead of XXXX XXXX  like every other bank. They are structured in a way to maximize the fee being charged to their customers. 
Third this late fee was assessed during the covid19 pandemic. I feel strongly that all fees should be waived during this difficult time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed online with the credit bureau but they still keep inaccurate information on my credit file. The information I have disputed numerous times comes back as being verified however I don't receive information that explains how they verified the information with a creditor and remains on my credit file thus affecting my credit score.
Product: Credit reporting

Equifax refuses to investigate my dispute that items in collections are wrong, wrong dates and/or wrong amounts!!!! They gave me no proof that they even did an investigation!!!!!!
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. 

Account Name : XXXX  XXXX  Account Number : XXXX and list of Inquiries. 

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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Received letter from XXXX XXXX informing that the my mortgage new loan servicer is Rushmore Loan Management, XXXX, California. Letter from Rushmore states that XXXX XXXX XXXX is the new loaner creditor, and Rushmore is the servicer. A second letter from Rushmore states that XXXX XXXX is the loan creditor. Red flag on Rushmore for not knowing who is loan creditor. Also, amounts of loan on Rushmore letter were incorrect. This is a second red flag with Rushmore. I reached out to call XXXX XXXX over the phone and at a location. XXXX XXXX said loan balance shows XXXX and could not view any amounts of loan. Why is the second letter from Rushmore stating XXXX XXXX is the loan creditor if XXXX XXXX is showing XXXX  balance? Rushmore is showing too many inconsistencies. I have no choice I have to send my payment to Rushmore as XXXX XXXX could not accept payment with loan showing XXXX  balance. My complaint is with both companies, Rushmore for too many inconsistencies with loan amount and not knowing loan creditor, and XXXX XXXX for not reaching out to me with other options than having Rushmore service the loan. XXXX XXXX gave me 2 weeks notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA
Product: Credit reporting or other personal consumer reports

I WAS A VICTIM OF IDENTITY THEFT AND I REQUEST THAT THESE ALLEGED ACCOUNTS BE REMOVED IMMEDIATELY. ACCOUNTS : XXXX  XXXX  XXXX XXXX XXXX FRAUDULENT INQUIRES : EXPERIAN : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple accounts reported on my credit file due to suspected identity theft. These accounts are not mine, and I believe they were opened fraudulently using my personal information without my consent or authorization. 
The following accounts are being disputed : XXXX XXXX XXXX  Account Number : XXXX * Credit Bureaus : TransUnion XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Credit Bureau XXXX XXXX XXXX. XXXX * Account Number : XXXX * Credit Bureau : XXXX XXXX XXXX XXXX * Account Number : XXXX * Credit Bureaus : All three bureaus XXXX XXXX XXXX XXXX Account Number : XXXX * Credit Bureaus : TransUnion XXXX XXXX I have contacted the respective credit bureaus ( TransUnion, XXXX XXXX and XXXX XXXX and reported the suspected fraud, but I am seeking your assistance to ensure that these accounts are investigated under the protections afforded to me by U.S. law.

As part of my dispute, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Fair and Accurate Credit Transactions Act ( FACTA ) ( 15 U.S.C. 1681c-2 ), which require the credit bureaus to promptly investigate any disputed information that is reported on my credit file.

Furthermore, the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) provides specific protections for individuals whose identities have been stolen, ensuring that fraudulent accounts are removed and not held against the victim 's credit.

I have attached a copy of my Identity Theft Report ( FTC report or police report, if available ), as well as supporting documentation that demonstrates my claim.
Product: Mortgage

On XXXX XXXX I had contacted XXXX XXXX XXXX XXXX XXXX who owns the master servicing rights to our loan ( LOANCARE , LLC ) through this email that I found on Yelp ( there are HUNDREDS of complaints from people ) XXXX An automatic response email said they will investigate this - but NO FOLLOW UP. We would like to receive our OVERPAYMENT of escrow money of {$930.00}. I attached 2 documents to prove this amount. Loancare , LLC has previously tried to take over {$2000.00} of our overpayment of escrow money in XXXX. You will see the complaints I had to write to CFPB to get it returned - at that time, they did not pay our homeowners insurance, tried to charge us for late fees, etc. Here we are again, and they did not return our escrow money like they said they would. I had to contact the CFPB to get them to pay our homeowners insurance ( 2nd year in a row ) on XXXX XXXX, XXXX. The day I complained to CFPB ( XXXX XXXX ) was ironically the same day our homeowners insurance was paid. Loancare LIES - they lie through their teeth!!!!! It is impossible to talk to an actual human being - being put on hold for HOURS, getting disconnected ( hung up on ) there's no direct email to contact anyone - their website will take you in circles with no actual email or contact page that works. It's only through the CFPB that anything will ever get done when problems occur. We would like the return of our {$930.00} overpayment of our XXXX escrow money now. Thank you CFPB for helping us - yet again - with this highly unethical, corrupt, dishonest loan predator.
Product: Debt collection

Credence It has come to my attention that you obtain an account with the name " XXXX XXXX " from XXXX XXXX XXXX. You are hereby notified that you have Violated Federal Law and I'm requesting {$1000.00} per Violation of the FCRA You have Violated 12 CFR 617.7015 ( ii ) The qualified lender must obtain from the borrower a signed written consent to the sale. I NEVER GAVE WRITTEN PERMISSION TO THE SALE OF THIS. Further more before any information can be shared/reported on a credit reporting party such as XXXX XXXX and XXXX the consumer has the opportunity to Exercise his right of non disclosure of personal information to any 3rd party company. I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with Credence. I Have never initiated, contacted, any sort of communication or anything with Credence. I demand this account to be removed from all credit reports and {$1000.00} per Violation of the fcra. 

Account # XXXX Further more before any information can be shared/reported on a credit reporting party such as XXXX XXXX and XXXX the consumer has the opportunity to XXXX his right of non disclosure of personal information to any XXXXrd party. U.S. Code 6802 - Obligations with respect to disclosures of personal information Opt out ( 1 ) In general institution may not disclose nonpublic personal information to a nonaffiliated third party form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I WAS NEVER INFORMED OF MY RIGHTS BY THE COMPANIES YOU ACQUIRED MY INFORMATION OR GAVE WRITTEN PERMISSION TO HAVE ANY INFORMATION SOLD OFF/SHARED TO A 3RD PARTY COMPANY. YOU HAVE OBTAINED INFORMATION REGARDING XXXX XXXX ILLEGALLY AND HAVE VIOLATED FEDERAL LAW. I DEMAND this IMMEDIATE DELETION of all accounts, information associated with XXXX XXXX, removal & from all credit reports, all 3rd Parties
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and was alarmed to discover several accounts that I did not open. It appears I have been a victim of identity theft, which has negatively impacted my credit score during a critical time as I am in the process of purchasing a home for my family.

I request the immediate removal of these fraudulent accounts from my credit report. Please take the necessary steps to investigate this matter and ensure my credit report accurately reflects the accounts I have authorized. 
Thank you for your prompt attention to this issue. I look forward to your swift resolution.
Product: Checking or savings account

I was working for a temp to hire company that paid me through the MoneyNetwork debit card. I had lost my debit card and reported it to MoneyNetwork. I was told they couldn't issue me a replacement card or transfer the money to another account but they could send me a check. 
I had moved onto a houseboat in a marina with no mailboxes except the marina 's business mailbox. I have a po box and they informed me they couldn't send the check to a po box .

I used a friend 's address and waited. Nothing. After multiple attempts to contact MoneyNetwork I wasn't getting any results. Called customer service and still nothing.

I finally came across a number and website for you. I wasn't sure who or how to contact anyone prior. After calling the phone number a woman directed me on what to do. About 2 weeks after calling MoneyNetwork customer service sent me an email stating they had sent the check in XX/XX/2022. I replied that I never received the check and asked what address they used and if the check had been cashed. No reply. After a few more attempts to contact still nothing. 
That brings me here today. 
It has been over 18 months and I really need my money. 
Thank you for your help resolving this matter. 
XXXX XXXX
Product: Credit card or prepaid card

I received a offer from Best Egg credit card offering 0 % interest on balance transfers and purchases for 12 months. I applied and was approved, but I couldn't locate the balance transfer option on the website. I called and spoke with XXXX and was told that they haven't set up that feature and he didn't know if/when it would be set up. I only applied for this card for the 0 % interest rate offer, now I have a card I can't use and it's on my credit report. 

I would like to be able to use the 0 % balance transfer for 12 months or have the card closed and totally removed from my credit reports.
Product: Credit card or prepaid card

So I was activated and placed on XXXX XXXX orders and sent to XXXX from XX/XX/XXXX to XX/XX/XXXX. Previously I paid my Chase bill by going into the branch. Around the time of my XXXX Chase ceased mailing the monthly statements to my residence. My wife was not on the account. The bank refused to communicate with her. She had a POA. They refused to take cash payments from her. They are reporting XX/XX/XXXX and XX/XX/XXXX payments as late. I am protected under SCRA and received credits going back through XXXX that mean there were no late payments. We made a payment timely in XXXX that was 10 times the amount of the minimum due. Chase is refusing to allow for the fact that while deployed I could not go to the branch and my wife could not pay in cash as she was not me. One of their representatives treated me so vile it was beyond discussion how anti-military that company is. I will stop at nothing to correct this wrong as long as I live. I tell everyone that Chase is an extremely Anti-Military company who are discriminatory towards service members who are serving in combat zones. Please correct this wrong. They have never responded to my complaint. After adding my wife as an authorized user they claimed they would only respond to me through CFPB. Now that I have returned and am still on XXXX XXXX, they need to be forced to respond to me.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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

Ive never authorized thes e companies to run my credit for the purpose of obtaining a line of credit. The companies area listed in my identity theft report. There are. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET. The credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 


REASON : FDCPA Sec 807 Misleading False Reporting- This violates the FDCPA law thus you need to remove this report off my credit report! 
Company Name : XXXX XXXX ( Original Creditor : 09 XXXX XXXX XXXX ) Account XXXX
Product: Checking or savings account

XX/XX/2018 I went to the XXXX XXXX XXXX branch of XXXX XXXX XXXX to withdraw funds in the form of certified checks that I needed to sign an apartment lease. The bank employees told me that there were technical issues and they could not issue me the certified checks. They would not issue money orders and did not have the cash on hand. They said the other branches had the same technical issues. 
When I got home I tried calling their customer service number repeatedly and it would hang up on me. I tried to access my account online and kept getting an error message. 
This morning, XX/XX/2018, I called the XXXX branch to ask if the issue had been resolved and they told me it had not. I continued trying to contact their customer service and each time I am cut off. 
I do not understand how a bank can refuse me access to my funds and other basic services for multiple days. Also, they should at least be able to address my concerns through Customer Service or at the very least send out a communication to all customers that there is an issue and they are working to resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 I filed a dispute for idenity theft and included a police report and an identity theft report required by credit reporting agency XXXX. The list of disputed accounts on id theft report were deleted..The problem is that XXXX  additionally deleted all other accounts within my reports that were positive accounts and that were NOT INCLUDED ON MY IDENTITY THEFT REPORT. tHIS ACTION LEFT MY ENTIRE CREDIT REPORT COMPLETELY EMPTY WITH NO TRACE OF ANY CREDIT REPORTING WHATSOEVER. My report was left unable to even generate a credit score at all. 
XXXX additionally communicated to XXXX and Equifax  information regarding the wrongfully deleted positive accounts causing both of these agencies to also Delete accounts thst were not reported as Fraudulent accounts and this caused my other two reports to become completely erased and unable to to generate credit scores. I was left with no agency having any trace of any account to report at all. I had a XXXX credit score across the board and to lenders it appeared as if no credit had ever existed. Additionally the accounts were also prevented from re-reporting the information back onto my reports and I have been unable to get XXXX to replace the deleted accounts or remove blocks from my positive credit accounts so that the bank could reenter the information that should have never been deleted. Please force XXXX to go back to when this action took place and put the accounts that were not included in my identity theft reports back on my record and correct this issue. This is necessary as these accunts were damaged and deleted directly as a result of XXXX and they are responsible to fix what they have caused without the need of financial institutions being forced to re-enter old information that they are unable to do since theyre attempts to do this already were unsuccessful for the reasons that XXXX has further blocked the re-entry of the accounts.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX -- {$XXXX} XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX  XXXX  XXXX  ) XXXX XX/XX/XXXX -- {$XXXX} XXXX XXXX XX/XX/XXXX {$XXXX}
Product: Credit card or prepaid card

I don't use this card often. Twice within the past year I have been charged {$2.00} on a XXXX Balance... Most recently paid XX/XX/2023 in full {$100.00}... received the next bill for {$2.00} on a XXXX balance ... called Macy 's and they removed that fee. Why am I EVEN being charged anything or receiving a bill with a XXXX BALANCE? 
Scammers. how many unsuspecting people pay this {$2.00} fee?????
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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