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

This Problem Goes back to a credit card with XXXX XXXX dated back to 2014 in which I had credit card protection to cover more than the Balance on due on the credit card. 

XXXX has a big Problem Honor Credit Card Protection. But they like removing from your accounts through auto withdrawals. after months and months of added interest and arguments and harressing phone calls frim XXXX XXXX and destroyed credit, they finally sent me a check small one to cove hal the balance no the full balance. because it was interest they accrued alway argueing with me not resolving. XXXX loves to sell the insurance polices back in the day and if you really do some home work XXXX XXXX has really hurt many people financially with these insurance policy. XXXX sold then and claimed XXXX they had no Financial responsibilty for them when the money went through thier bank and distributed to insurance company every 4 weeks, earning interest of every one else dollars. 

On XX/XX/2014, XXXX was being very difficult I decided to take them on myself, I fiked a small claims action sc XXXX and the Judgment was found in my favor of Me including some legal fees and expenses, then hired an attorney to read the aggreement betewwn XXXX and myself. The agreement would state that once received the money for the judgement frim XXXX XXXX XXXX XXXX XXXX. that all the trade Lines ( credit lines ( equifax, XXXX, & XXXX ) would be removed/ cleared that to the credit crds all social security numbers which were given to XXXX XXXX on XX/XX/2014 @ XXXX ) emailed XXXX. I have confirmation that XXXX XXXX to the credit Bureau, XXXX stated it would take 7 to 10days ( XX/XX/14 ) @ XXXX XXXX. and XXXX was going to verify this information. 

I went and vacated the Judgment against XXXX XXXX.. Today the Executive Office ( XXXX ) was rude with me regardig the XXXX application stating it was not my credit, it was a rude statement and it on all on my credit reports. from 2014 from XXXX Bank and this is exactly it. which clearly states it is all to be removed and not to be on credit reports, or to be connected. 
the is what I am stating that XXXX. is playing all t he time with people, they have the monolopy on the credit cards, so this has nothing to do with me my credit. this has to do with XXXX XXXX discriminating against me due to the fact they lost I won, which is actually., I paid for fully for emergency insurance. XXXX XXXX just does not like to Lose and money or interest, consumers work as hard too. If you believe in your heart your correct keep moving forward.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : XXXX ( original creditorXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( original creditorXXXX XXXX XXXX XXXX XXXX XXXXXXXXhas violated my rights. 

I looked at my XXXX credit report on XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

My account was fraudulent used when last active. I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies.
Product: Mortgage

I paid my mortgage, have proof of payment, and my mortgage company will not credit my account for this payment.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 U.S. code 1692 ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except- Please remove the following items from my report, immediately. 

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: Mortgage

Mortgage originator XXXX XXXX at Loan Flight- lied to me about rate lock.Verbally confirmed rate lock -theb Sent disclosure showing rate lock with no points. then before closing added 2 points and offered me different rates than what i was approved for and on the original disclosure.
Product: Credit reporting or other personal consumer reports

I am distressed to have this posted to my credit report without my written consent. This is a formal complaint that you are reporting inaccurate and incomplete credit information, I am distressed. I am in the process of buying a house and this is hindering me from doing such. This account has inaccurate information. According to Law 15 USC 1681 I did not give written permission to have accounts furnished on my report. You have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 public records that I asked to be validated due to the new law that on XX/XX/XXXX all Judgements will come off. I have a Judgement from XX/XX/XXXX and a BK from XX/XX/XXXX. I am trying to get these items off if allowed by law. I have contacted all 3 bureaus and none are being compliant. It is hindering me fron getting my daughter the loans she need for her educational needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Complaint ID : XXXX Account : XXXX Notice # 2 To whom it may concern, I reviewed the letter that you have sent me in regards to my dispute and there are some things you did not address. I have provided the errors that are on my account and it seems that you refuse to comply with the Laws that are provided. 

Under the FCRA data providers are to respect consumers ' rights to privacy and in which you are violating this because you are furnishing my personal information to third-party agencies. 

Reports that contain information as to transactions or experiences are to be excluded from consumer reports. 

Also, as I stated before, the name reported is incorrect which is grounds for deletion. As a data furnished, you are to follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates. 

Again, the information you are reporting is inaccurate and I demand that you promptly delete this account from consumer reporting agencies or I will have to file charges for willful noncompliance because this is my second time informing you of the errors and violations as you choose to ignore them. I will also file charges for failing to comply. 

Please address ALL violations in a XXXX period and failure to do so will be considered discharged and will need to be removed in full and removed from all consumer credit reporting agencies, not limited to Transunion, XXXX, and XXXX. 



Thanks again for your cooperation, XXXX XXXX
Product: Debt collection

I had a medical bill of {$1000.00} with XXXX XXXX XXXX that was getting auto-paid based on a payment plan of {$91.00} per month for 12 months from my XXXX Account. The plan was set from XX/XX/XXXX to XX/XX/XXXX. I don't check my XXXX Account regularly to see if the payment went through because there is enough money in the account and assuming that if there was any issue then XXXX would contact me. 
In XX/XX/XXXX, I received a letter from Merchants Credit Association ( MCA ) asking me to pay the remaining principal of {$530.00} + collection cost of {$77.00}. I contacted XXXX right away, they claimed that they tried to collect a payment from my XXXX on XX/XX/XXXX but it failed. I asked them if there is a proof that they tried so that I can contact XXXX and ask why, they said there is no proof. I asked why they didn't contact me before sending the bill to a collection agency, they said they tried but couldn't get hold of me, but again there is no proof that they tried and my phone number and address never changed. I contacted XXXX and they said there is no evidence that a payment was rejected. I went back to XXXX and asked if I can pay the principle amount in total, they refused and told me the case is not with them anymore, it is with MCA and I need to sort it out with them. I called MCA numerous times and explained to them but they seem to be always focused on collecting their collection money. MCA also claimed that they reached out to XXXX and asked them to take the case back but XXXX refused. I have been receiving multiple letters from MCA demanding that I pay the principle + collection cost. Today on XX/XX/XXXX, I called MCA one last time and asked them if they can waive the collection cost, make it less, send the case back to XXXX but the agent told me am just wasting time to save {$77.00} and advised that I should pay the entire amount to MCA or make multiple payments BUT pay interest. I gave up on all and paid the entire amount ( {$450.00} principal + {$77.00} collection cost ). I am writing to you because I feel that what XXXX did was not fair at all.
Product: Mortgage

My mortgage holder is XXXX XXXX  XXXX I have been making the required payments to them on time and have been making payments in the correct amount as shown on the monthly payment slips. I have copies of all of them including the checks all paid in the amount showing on the payment slips. 

For the first time last month, I checked my account on line. It indicated my payment was ONE CENT short. I then increased last month payment by one cent. I thought it was a one time occurrence. No, this time on line, the amount showed I was again one cent short, but this time the previous one cent disappeared. I have read a home can be foreclosed if the payment is one cent short for several months. If for some reason, if there was a error shown on my monthly payment slips, new slips should have been sent. I have no idea how long this has been going on. 

This is the second time they tried to pull a fast one. Unknown to me, they purchased a second XXXX  Policy, one from XXXX and one from XXXX using my escrow in hope that I could not pay the additional escrow and they could foreclose. Had to straighten that mess out myself. My home is valued at about {$390.00} and owe about {$120000.00}. 

Does this indicate financial abuse of the elderly? I am XXXX.
Product: Credit reporting or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act 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 instructio
Product: Credit reporting, credit repair services, or other personal consumer reports

Im the process of purchasing my first home and during the credit check they found an account that was open that I dont own. The account title is CCBXXXX. It says that someone has been paying a credit of XXXX by making payments that are XXXX per month, however I never opened or payed that credit account and Im unable to find a phone number for that company.
Product: Debt collection

I discovered on my free annual credit bureau report a collection account # XXXX for {$560.00} by Bay Area Receivables. I dispute this entry item as Bay Area Receivables has not followed proper procedures under the Consumer Financial Protection Bureau 's Debt Collection Rule as to notification of alleged debt. Bay Area Receivables never requested payment from me. Before reporting an alleged debt to a credit reporting company a debt collector needs to contact the party either : in person, by telephone, mail, or electronic delivery. I maintain no communication was received from Bay Area Receivables before they reported to credit reporting companies. No validation notice was given. Bay Area Receivables has not provided the how they contacted me, when they contacted me, and where they contacted me to satisfy this requirement. I have been at the same physical address now for over 30 years, with the same phone number that length of time too. And the same email address for almost two decades now.
Product: Checking or savings account

A stolen check was drawn on my Chase checking account on XX/XX/XXXX in the amount of {$4000.00}. I believe the check was stolen from my apartment the preceding day in an incident reported promptly to the XXXX but at the time of the initial police report I was unaware that my check book was among the items stolen in this incident. I became aware of the theft on XX/XX/XXXX, when I reviewed my account online and discovered the unauthorized check. The check image clearly shows a signature bearing no resemblance to my own. 

I reported the theft to Chase 's fraud department on XX/XX/XXXX, and froze my account on XX/XX/XXXX. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from Chase 's Customer Claims Department denying my claim, " because you did not take ordinary care to prevent the fraud. '' I spoke to a representative of the Fraud department, " XXXX, '' by phone on XX/XX/XXXX around XXXX XXXX EST. XXXX confirmed that Chase denied my claim, saying that because I had not stored my check book in a " secure location '' Chase could not bear responsibility for cashing the forged check.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$570.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2024 I sent early warning a letter for a investigation of the accuracy of the reported information in my consumer report. On XX/XX/2024 they responded by stating reinvestigation confirms that the information contained in my file is accurate and complete as of the date it was furnished to their database. On XX/XX/2024 I sent a method of verification requesting any documents to support their reporting FCRA 611 ( a ) ( 7 ) a description of the procedures used in my earlier disputes, all the information they used for their investigation, as FCRA 611 ( a ) ( 7 ) required, And Written proof that they forward all the relevant information in my earlier disputes to the creditor. FCRA ( a ) ( 2 ) ( B ). Early Warning responded by stating " EARLY WARNING DOES NOT HAVE ACCESS TO ACCOUNT DOCUMENTATION AND THEREFORE UNABLE TO PROVIDE COPIES OF ANY DOCUMENTS. Then referred me to the furnisher. It has been 60 days, and Early warning has failed to supply the demanded proof of the alleged items, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debts exits XXXX  XXXX BANK  XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX BANK
Product: Student loan

Early in XXXX  I went to the XXXX website to see what their rates were to refinance my student loans. Beginning in XXXX I received emails inviting me to refinance and receive a {$XXXX} bonus. The requirements for this was to complete the refinance through the designated link by XX/XX/year>. I was also required to have a XXXX  bank or savings account which I already had. 

I completed my application and the loan was funded by XX/XX/year>. 

On XX/XX/year> I called XXXX to speak to a customer service representative to ensure I had completed everything needed to receive this bonus. They indicated that yes I had and the loan was successfully funded. It would just take up to 30 days to receive the bonus. 

I hadnt heard anything so I called back XX/XX/year>. I spoke to another customer service representative and explained that I hadnt seen the bonus yet. He told me that he checked my account and could see that there was a bonus when I applied but he wasnt sure what had happened to it. So he was going to open a ticket and it was ticket # XXXX. He told me I should hear back in about a week and if I hadnt then I could call back. 

On XX/XX/year> I received an email that they needed a few more days and the investigation could take up to 30 days. 

Then, on XX/XX/year> I received an email that stated that I did not actually qualify for the bonus because I didnt use a correct link. I know I used the exact link in the website and had confirmation from XXXX customer service representatives that I had completed everything appropriately. 

After further discussions with XXXX on XX/XX/year> they continue to state that they will not be giving me the {$XXXX} bonus from my XXXX XXXX XXXX that I completed correctly. I have requested that they work with me several times and they have indicated they will not be.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, Please remove the following accounts from my credit profile as I am not responsible for the accounts, I am only an authorized user of these accounts and I am not responsible for these debts. I have disputed these accounts on multiple other occasions, and you keep saying they belong to me and will not remove them. Then by you refusing to remove these accounts from my credit report you are ruining my credit score and not reflecting an accurate representation of my true credit worthiness and are in violation of the Fair Credit Reporting Act, section XXXX XXXXProcedure incase of disputed accuracy. Your agency continue to fraudulently assert that this is not an authorized user account, that it is in fact mine, and that the information is factual, which is inaccurate, even though the other major credit reporting agencies have already deleted both of the accounts mentioned in my first notice of dispute. It is now clear that your organization violated the Fair Credit Reporting Act 's regulations by failing to undertake a proper investigation after being notified of this issue on multiple occasions. I demand that you delete both of the accounts at once ; otherwise, I will be forced to escalate this issue to the federal level. The following accounts in dispute are listed below.
Product: Credit card

I had several transactions on my discover card in a different state. My phone and personal information was stolen along with my cards. I reported it to discover and they have denied all the fraudulent claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit score and I saw a hard inquiry from XXXX XXXX. I have never had any interaction with this company. I want to ensure that my identity has not been compromised. A similar thing happened with XXXX XXXX XXXX. I attempted to open a business bank account and an account was already opened using my social security number with a different name.
Product: Vehicle loan or lease

I am writing to formally dispute the entry of the auto voluntary repossession on my credit report, as per the provisions outlined in the Fair Credit Reporting Act, specifically under 15 U.S. Code 1681 a ( 2 ) ( B ), which details exclusions from a consumer report. 

Under this statute, any credit transaction that should be excluded from a consumer credit report includes instances where a social security card was used in the transaction. It has come to my attention that the entry regarding the voluntary repossession of my vehicle is in direct violation of this provision. 

I assert that the transaction in question involved the use of my social security number and therefore should not have been reported to any credit reporting agency. As such, I am requesting immediate removal of this entry from my credit report. 

I have enclosed copies of relevant documentation supporting my claim, including proof of the use of my social security number in the transaction. I kindly request that you investigate this matter promptly and take the necessary steps to rectify the inaccuracies on my credit report. 

Please acknowledge receipt of this dispute letter and provide a timeline for resolving this issue. Your prompt attention to this matter is greatly appreciated. 

Sincerely, XXXX XXXX