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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate this account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$530.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$530.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$17000.00} written off. {$16000.00} past due as of XX/XX/2020. 
Account TypeAuto Loan Balance {$16000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. 
Account TypeDebt Buyer Balance {$3200.00} Date OpenedXX/XX/XXXX Dispute XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeHome Equity Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX   XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$36000.00} written off. {$39000.00} past due as of XX/XX/2020. 
Account TypeAuto Loan Balance {$39000.00} Date OpenedXX/XX/XXXX Dispute
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax won't respond, unlock, or allow me access to my account, even though I've called and complied with their regulations to unlock an account, that includes providing them with identifiable information and other things they requested. I am paying them every month and they still won't allow me access to my own subscription.
Product: Credit card or prepaid card

Before I opened a credit card with Lowe 's, I read some of their policy. I was a member of one of their top competitors so I check to see if they offered the same benefits of being a card member. I made a purchase with them and later hated my purchase, the item was part of a set I had years before opening a credit card. When I tried to take advantage of my Lowe 's Advantage Card, I was denied making a return. I wrote to the Corporate Office but received no response. When I contacted them by phone, they seem confused by my request but after reading it online, confirmed the return policy. I was told to contact the store near me and speak to the manager but that didn't go well. I am not a fan of the bait and switch. I don't like for companies to offer incentives with their credit cards but don't respect that when you remind them of their policy. My suggestion would be to remove this off their website if it is not true. Please see message on their website : Most new, unused merchandise can be refunded or exchanged with proof of purchase within 90 days of the original purchase date, unless noted in ourReturn Policy Exceptions. If your purchase was made with a Lowes XXXX  Account ( XXXX  ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX  ) or XXXX XXXX XXXX XXXX XXXX ), you have 365 days from the date of purchase to return the product, unless noted in our Return Policy Exceptions. All returns are subject to system approvals.
Product: Mortgage

This report was made to the XXXX XXXX XXXX. 
On XXXX the mail was retrieved from our XXXX XXXX XXXX XXXX XXXXXXXX XXXX. ga XXXX retrieve opened envelope from citibank. 
inside of envelope a letter no of the citibank official letter head but had the code beginning at the bottom FRD which is the doj/fraud unit. 
it appears there is a possible operative within this unit and or someone within the postal service possibly switched out forms. the envelope contained a commercial it form and wanted writing samples and also requested tons of personal information. this is not legit. 
we will not be submit information which will cause us to have more fraud or accused of us of committing fraud by transferring signatures. 

furthermore, if citibank is attempting to be post-proactive like the other fraudulent mortgage companies, it's a lot bit to late! another admission of guilt! 


this is OUT OF CONTROL!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax lost my personal information and millions of other people 's information. This has potential to be life altering due to their negligence, I never asked for them to take my information, however they did and failed to house it safely. They also only offer a third party hosted website to check on if your information is compromised, and will enter you to waive your right to arbitration if you do check. This is absolutely disgusting, as a consumer I fear for my livelihood.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX Bank regarding an inaccurate credit card debt of {$7300.00} on my credit report. I have disputed this XXXX times, yet XXXX Bank continues to verify the account without providing proper validation. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) as the information is inaccurate and unverifiable.
Product: Debt collection

On XX/XX/XXXX I was contacted by a rep for AFNI collections agency, I was told I owed a debt I told her that I didn't owe the debt on behalf of XXXX low income because I contacted them because I was moving urgently for safety reasons, the rep at XXXX on XX/XX/XXXX told me the service wasn't available in the area I was moving to. I told him well I don't need the service because the move had taking place. Any utilities at this service address was off no later than XX/XX/XXXX so this service should of been turned of completely, which shouldn't of gone into another month of billing. The rep at AFNI took the tone as I told her this as if I refused I told her I like the steps to dispute she got mad and said she was going to report it on my credit and tell XXXX not to service me again and hang up on me. I called back that day to speak with a supervisor in which I left a detailed message and online request form for dispute with my account # I haven't received any response back. This seems to be a malicious attempt to harm my credit based on the reps actions for a minor amount. I received no notices outside of the most recent AFNI because my mail was being obstructed. AFNi was calling but never left messages so on the day in question I picked up to be upset by the manner in which the rep handled my call or didn't.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXXXXXX # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

I have an Amazon Chase credit card which I use regularly to make purchases and always make payments towards the interest saving balance. I received a promotional balance transfer offer for up to {$15000.00} that said 1.99 % APR till XX/XX/2024 ( and then the normal card interest rate of 24 % ) on a balance transfer ( credited to my Chase checking account ). I called Chase and asked them specifically how this balance transfer would affect my other purchases that I was making using the card. I asked specifically if I could keep using the remaining money on my credit card to make purchases ( after availing the balance transfer amount ) and if the balance transfer would in any way affect purchases. I was told clearly that the balance transfer and purchases with the credit card would be treated separately and the balance transfer would not affect the purchases. That is why I went ahead and availed the balance transfer. I also kept using the remaining available money on my credit card to make purchases as usual. 

Then when I got my next statement, I saw that the interest saving balance included the full balance transfer amount. I was shocked that they were expecting me to pay off the entire XXXX in a month 's time when they had actually given me until XX/XX/2024 to pay it off. at the promotional rate. I called Chase again and explained what had happened earlier and asked what was the amount that I actually needed to pay to make sure I wasn't paying the 24 % interest rate on the card. The customer care exec said if I made the minimum payment on the card then I should not have to pay interest. I wasn't really convinced with this answer and sent a secure message to Chase to confirm. I again explained everything from the start and asked them to clarify the amount I needed to pay to avoid interest ( apart from the 1.99 % on the balance transfer amount ). Now the Chase rep told me that all purchases I make after the balance transfer will accrue the 24 % interest rate. I explained to her that I had specifically asked about this before I took the balance transfer offer and that I was told my purchases will not be affected by the balance transfer. I said I am ready to pay off the new purchases that will accrue interest but I am not ready to keep paying interest. I asked them for a resolution to this since this was a clear case of financial misguidance. They gave me incorrect information, not once but twice, and now they are expecting me to keep paying all this interest because their reps are not adequately trained and don't know what they are talking about! I said if this is not resoled asap I will take this up with the CFPB. After that they stopped communicating with me. I wrote to them several times for a resolution and absolutely no response after that. 

They have repeatedly given me wrong/insufficient information about their financial product and now they are charging me unfairly. I would request the CFPB to please take this up with J P Morgan Chase and get me a resolution so I am not unfairly charged.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

My card was hacked back in XXXX of XXXX I immediately got in contact with my card holder and told them my card had been being used without my consent it was used in several different XXXX  stores in different cities and XXXX XXXX XXXX as well as in XXXX XXXX in XXXX the dates of these transactions range from XX/XX/XXXX - XX/XX/XXXX I still had possession of my card so both my transactions and the fraudulent transactions were going on at the same time because the card was never physically taken it was copied when my check deposited for that week is when I noticed the discrepancies in my account and immediately called to cancel the card as to that was the only alert I had on the account at that time they told me it would take XXXX business days or longer to resolve the issue and I could get a line of credit for my money but that never happened. They eventually sent a letter saying no error was found in my account and nothing would be returned they later sent me some kind of computer generated investigation only regarding transactions they never disputed XXXX transaction with neither of the stores I told them about they disputed claims I didnt even mention theyre saying all transactions were valid because all of them were in sequence with XXXX another but as I told them my card was never physically stolen only compromised thats why you see transactions being made on my behalf and the thieves behalf at the same time as I told them Ive never been to any of the locations that were reported to be fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

I live in Indiana. My identity was stolen, and someone opened an account in my name in a state I have never been to or lived in for utilities with XXXX XXXX XXXX XXXX XXXX, in the amount of {$600.00}. This account was turned over to a collection agency in Kansas by the name of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX KS XXXX XXXX. I disputed this on my TransUnion Credit Report after discovering it when I applied for credit for a car loan. Trans Union did an investigation and verified it as accurate! 
I called XXXX XXXX XXXX after the dispute was verified as accurate by TransUnion as they are the ones who put it on my report. They could provide no information claiming that they are going by what XXXX XXXX is reporting to them. I called XXXX who said to prove it wasn't mine, I had to verify my identity XXXX. I searched the web and was unable to locate this website. I am getting the run around and it has already cost me money. I had to purchase a car and my interest rate was 18 % due to this false collection on my account. It is common sense that someone who lives in Indiana does not have utility account in Kansas. They could have no proof of this debt as it is not mine! I need Help.
Product: Debt collection

Hello, We previously had a credit card with XXXX XXXX in my wife 's name, 'XXXX '.  We had some difficulty and fell behind, then the account went to collections. We received a letter in XX/XX/XXXX from Radius Global Solutions LLC offering a settlement on behalf of XXXX XXXXXXXX for account ending in XXXX ( Ref # XXXX ). The original amount of debt is {$1900.00}, but they were offering a settlement in the amount of {$990.00} in 12 monthly payments of {$82.00}. We started making payments in XX/XX/XXXX. Since then we have made three payments and the fourth is currently in the mail. The letter stated at the end of this process they were going to provide a letter stating our debt has been resolved. We have not received any other communication from either Radius Global Solutions or XXXX XXXX since we started making payments. 

On XX/XX/XXXX we received a summons from XXXX XXXXXXXX XXXX XXXX. on behalf of XXXX XXXX ( XXXX # XXXX ). The Summons and Complaint is seeking the full {$1900.00} minus {$82.00}. Now we are confused. We have been making payments and the checks have been getting cashed or cleared for three months. The fourth payment is in the mail. Suddenly, we receive this summons. There is definitely something deceptive or unfair about this process, either from Radius Global Solutions LLC or XXXX XXXX. 

XXXX we tried to call XXXX XXXX, but was routed to XXXXXXXX XXXX XXXX  XXXX, and spoke to a representative from XXXX XXXX XXXX, 'XXXX ' on XX/XX/XXXX around XXXX for File number XXXX ( XXXX XXXX ) . We explained our situation and he said he could not provide any legal advice. We let 'XXXX ' know we would like to submit a complaint about this process and the treatment we are receiving. We also asked if maybe a complaint to the Consumer Financial Protection Bureau may be warranted as well, but 'XXXX ' could not give us any guidance on that. He said he would route our complaint to XXXX XXXX right away and he would get back to us on Monday, XX/XX/XXXX. He did not call so I tried to contact his office, but was placed on hold and then to a voicemail. I left a message and then went to the CFPB site to file this complaint. 

As a follow up to this, we are submitting our letter as well as a screen capture of the checks in the amount of {$82.00} being cleared by our bank. 

Ideally, we would like this summons and complaint to be cleared, and we would like to continue on the agreement and terms we are currently executing or the debt to be cleared by XXXX XXXX. Thank you.
Product: Credit reporting or other personal consumer reports

Experian and XXXX are in violation of The Fair Credit Reporting Act ( FCRA ) my credit report has account that have been reappeared after being previously removed, making me a victim of an improper reinsertion of credit data. I understand that The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report. The credit bureaus can not reinsert this information unless they receive a certification from the data furnisher ( XXXX ) that the information is correct and then provides notice to the consumer that the information will be reinserted. This never happens.. I understand that : If the credit bureau reinserts without that certification or if the data furnisher lies in that certification, that it will a fraud XXXX has continued to very to XXXX and Experian that the account has a {$100000.00} balance even though Recent payment was {$100000.00} as of XX/XX/XXXX. And XXXX record shows {$0.00}. balance. 
Report XXXX Date Generated XX/XX/XXXX Before After XXXX XXXX XXXX ________________________________________ Your information XXXX have changed since XX/XX/XXXX View your current credit report Account info Account name XXXX XXXX XXXX Account XXXX Account type Education Responsibility Individual Date XXXX Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Balance updated- Recent payment {$100000.00} as of XX/XX/XXXX Monthly payment- Original balance {$100000.00} Highest balance Current / Terms met XXXX Closed Reappeared aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX paid off Balance {$100000.00} Balance updated XX/XX/XXXX Original balance {$100000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education
Product: Credit reporting or other personal consumer reports

On XX/XX/2021 A account was established in my name with out authorization. I contacted the Creditors to inform them that on the dates this account was open I was XXXX and have no knowledge of this account that's being reported to the reporting agency. On XXXX XXXX I was XXXX XXXX XXXX XXXX with XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have sent the confirmation of my XXXX XXXX XXXX XXXX XXXX along with a time sheet to provide the dates of XXXX XXXX that I was XXXX XXXX when this accounts was opened and used under my name.I have contacted Alliant XXXX Credit Union about the Fraudulent accounts with the highest balance reporting XXXX with a credit limit of XXXX. After sending Alliant XXXX Credit Union documents of my XXXX XXXX XXXX along with a XXXX  XXXX XXXX XXXX XXXX with my XXXX XXXX XXXX the account still reporting as this account has been verified. I have tried to notify them several times that I was XXXX XXXX  when these accounts was open. Also I filed a FTC Identity Theft Report concerning the credit card and a checking account that was open and reported to XXXX XXXX as NSF in the amount of XXXX that was deposite during the XXXX XXXX XXXX XXXX XXXX