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

This is the follow up complaint. 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 ). 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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. I have not given permission to any company to report any payment history or transactions on my credit report.
Product: Checking or savings account

It has come to my attention that Citibank has made the decision to close my account subsequent to the receipt of a refund check from my XXXX XXXX. Regrettably, despite assurances that a notification letter was dispatched on XX/XX/XXXX, its delivery to my address has not been realized. Consequently, there has been a lapse of approximately three weeks without receipt of said correspondence, exacerbating the situation.

As a result of the closure of my account, inquiries have been made regarding the status of my funds amounting to {$3700.00}. Unfortunately, attempts to obtain clarity on this matter from Citibank have thus far proven unsuccessful, leaving me with unresolved concerns and considerable inconvenience. 

Given the significant financial implications and the lack of communication regarding the closure of my account, I respectfully request immediate assistance and resolution from Citibank. It is imperative that this matter be addressed promptly to alleviate the distress and uncertainty it has caused.
Product: Credit card

I received a text from the phone number XXXX as follows : " Your XXXX  has been charged for {$650.00} at XXXX, XXXX. If not done by you, XXXX '' This is someone impersonating Citi Bank and trying to get my personal information. I checked my card balance online, and there was no charge in XXXX. I did not call the number provided in the text.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint in regard to Equifax verification and customer service. They report that I owed an ambulance bill with XXXX XXXX XXXX XXXX ( XXXX ) through a bill collector XXXX XXXX XXXX ( XXXX ). I have tried to resolve this with XXXX and they state the bill is correct. I have sent Equifax the letter from my insurance company XXXX that they were never billed and XXXX even asked me to ask XXXX to rebill it. According to the Center of XXXX and XXXX balance billing ( when a contracted provider with an insurance company does not submit a claim for services and send the member the total bill this is considered fraud ) XXXX refused and sold it to XXXX. I have sent Equifax a copy of the letter from XXXX ( please see attached ) twice stating that they were never billed and that I as a member shall be held harmless these charges listed on my credit report. I have also talked with Equifax customer service three times about this matter and told that they never received my letter from XXXX. I finally emailed the CEO and got a letter back from Equifax stating the same three ways to go about disputing this. I thought going through their website, I would be able to download the document so they would finally have it. I tried to sign up to create an account in order to upload and dispute it online. However it is telling me there is already and account and can not access it. I am still waiting to talk with someone from upper management to help me resolve this. However, I have been working on this since XX/XX/2020 with Equifax and have yet to have this resolved. The other two Credit reporting agencies removed this.
Product: Credit reporting or other personal consumer reports

XXXX and Experian failed to delete update and it investigate incorrect accounts and personal information on my credit file I also submitted a request to XXXXXXXX XXXX app companies claimed to have completed an investigation however my files still include old outdated and just incorrect information from my personal address to my legal name employers name and inaccurate accounts that differ depending on which agency a I reported identity theft and froze my reports the companies still failed to take my claims serious leading to financial burden as well as a bad rating with any financial institution I have attempted to do business with I have been turn down application and my credit score has dropped I have since opted out of this party reporting do to lack of credibility with these companies the information contained in these files is false and misleading and makes my character appear untrustworthy and skeptical because of the inaccuracies I am reaching out to get help and prevent these companies from damaging my emotional and financial well-being this has caused allot of hardship and financial difficulties please help me get this resolved and get some compensation for the damages caused
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is completely ignoring the fact that these accounts were the result of identity theft and according to 15 U.S. Code 1681c2 - Block of information resulting from identity theft part ( a ) the company has failed to block these items resulting from the identity theft after notifying them of the fraud. They were provided with police reports and FTC reports, as well as a notarized identity theft affidavit. I have uploaded proof and documents of every document for the CFPB and Equifax. 

The fraudulent accounts are : XXXX Bank XXXX and XXXX XXXXXXXX XXXX.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX noticed so fraud accounts and authorized inquiries on my credit reports. 

Accounts XXXX. XXXX XXXX {$700.00} XXXX. XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX {$890.00} XXXX. XXXX XXXX {$1200.00} XXXX. XXXX XXXX XXXX {$7000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 My credit report shows collections from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. 


XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account XXXX  : XXXX XXXX  Account Number : XXXX Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have.

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately from my credit report or I will seek litigation for Monetary damages.
Product: Mortgage

Do not bother to send this complaint to NewRez. This is about CFPB as messenger, not solver of problems. I have had mortgages for many years but I have never had a mortgage company threaten and XXXX me over what I am supposed to pay them. I have paid my own taxes and insurance for years. Within a few months of them taking over from XXXX they threatened me with a {$2000.00} flood insurance premium if I did not get insurance myself. My insurance paperwork shows a map indicating I am not even CLOSE to a flood zone, nevertheless I had to buy insurance and got it through XXXX at a much reduced cost. I expect with their unholy control to make me buy hurricane, earthquake and any other problem they can dream up. I have paid my own taxes on mortgages since the onset in the early XXXX. They, however, are trying to make me pay THEM to pay MY taxes. I refuse. I paid my normal amount in XXXX on time, yet received 'no payment ' notices from NewRez. I called and spoke with an agent who told me I could pay the 'tax amount ' and get a refund. There is NO WAY IN THE WORLD I would ever give them money for nothing and expect a 'refund ' some ... day. I had no idea mortgage companies have this new found vicious control over my mortgage. I will fight them and win, but obviously not with help from CFPB. Don't bother to forward this to them, I don't want any more gibberish about why they are allowed to threaten and bully. Too bad you won't help CFPB, too bad mortgage companies are allowed to do this, it is truly incredible.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation according to the FCRA. 

The California Civil Code Section 1786.2 defines an " investigative consumer report '' as a consumer report in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported. 

They did not do this. 

Also they have violated my rights even more, In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible when they never did a proper " investigation according to the FCRA ''. 

They also violated the law because according to 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
Product: Credit card or prepaid card

I had  a CareCredit Card tha t was not accurate with the terms of the card. After awhile I did not receive a bill or a call from them until later in the year of  XXXX . They sent me a court notice where they are suing me for the remaining balance. Once I answered and filed my reply they again did not contact me. Afte r two months I contacted Care Credit to make an arrangement in good faith but, to my avail they did not  want to compromise and were demanding a large monthly payment after informing me that my account was still in the promotion period. After several tries to compromise with Care Credit I had no success and they are currently trying to sue me. I explained to them that I was no longer employed and struggling to maintain at the moment but, they did not want to accept my offer. I need help in this matter. I received this card in  XXXX  or  XXXX . While employed I made several payments on time and some a day o r two late but, every month my payment was increasing and customer service could not and did not explai n to me why this was occurring. I need assistance in this matter as soon as possible. Thank you
Product: Checking or savings account

On XX/XX/2021 I received a financial account monitoring notification from XXXX that stated that an account was opened under my name at NAVY FEDERAL CREDIT UNION on XX/XX/2021. This was not initiated by me. I called the bank to put a hold on the account. I have contacted XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the inaccurate reporting of certain accounts listed below on my credit report. It has come to my attention that the company responsible for reporting this account has done so erroneously. They have acknowledged an internal issue resulting in the incorrect posting of past due statuses. Specifically, from XXXX XXXX XXXX XXXX XXXX, they incorrectly listed me as past due for XXXX, XXXX, XXXX and XXXX  days. I kindly request that you conduct a thorough investigation into this account and update their status to reflect that they have never been lateXXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy.

I did not give consent to these accounts.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS :
Product: Debt collection

Called myself and my husband multiple times even after I asked not to be called and for them to not call my husband.
Product: Credit reporting, credit repair services, or other personal consumer reports

i paid XXXX to have the fraud removed for the debt from bank of america XX/XX/2018 this debt suppose of been removed from my credit it still there can this please be removed
Product: Mortgage

XXXX XXXX, XXXX acct # XXXXI am XXXX XXXX and I have Ocwen Loans as my mortgage ( NOT MY ORIGINAL LENDER, GMAC SOLD MY CASE TO OCWEN ) I was XXXX from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX 9 months ) and according the SCRA act a soldier XXXX over 30 days can only be charged a maximum interest of 6 %. I was charged my usual high interest rate 6.87 %. It also states the 6 % interest rate must remain in effect one whole year after the soldier return home ( back stateside ). So I should actual should have been only charged 6 % interest from XXXX XXXX to XXXX XXXX ( 21 months after you add the additional year ). I want a refund from Ocwen for funds I over paid them during this time frame. Please contact me if you have any questions XXXX XXXX XXXX ( XXXX ). I included the SCRA regulation page along with the orders to prove my deployment.
Product: Credit card or prepaid card

I applied for the Chase Freedom Card and Chase Sapphire Preferred Card on XX/XX/2018 and both of them have been approved on XX/XX/2018. However, on XX/XX/2018, someone from Chase called me, said that they could not approve 2 credit cards. The previous approvement was a mistake. So they closed the Chase Sapphire Preferred Card on XX/XX/2018. However, today I checked my credit report, finding that the Chase Sapphire Preferred Card is shown in my credit report and its status is closed. Since I never used this card, and never activated it, I think the Chase Sapphire Preferred Card should not be in my credit report. Today I called Chase 's customer service, and they told me that they could do remove the card from my credit report. I think it is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint and dispute regarding inaccurate information on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ). On XXXX I contacted Equifax regarding the following incorrect information on my credit report, and to this date, they have not responded. I kindly request your assistance in addressing these discrepancies. 

( Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$330.00} ), ( Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1300.00} ), ( Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1700.00} ), ( Account Name XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1000.00} ) The above accounts do not belong to me. I request that you remove these accounts from my credit report. 


Account Name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$770.00} The information regarding this account is inaccurate. It is incorrect to state that the account was ever late. I request that you correct/update this information on my credit report accordingly. 


Account XXXX : XXXX  Date Opened : XX/XX/XXXX Balance : {$1100.00} I dispute the accuracy of the reported balance for this account. Your agency listed this account as closed, and therefore, the past due amount should not be provided. I believe the reported balance is higher than it should be. I request that you investigate this matter and rectify any misleading data. I intend to contact the creditor directly to resolve this issue, but I require your agency to report the account as disputed during this process.
Product: Credit reporting or other personal consumer reports

Hello, there is a hard inquiry I dont recognize made on XXXX XXXX XXXX under XXXX XXXX XXXX XXXX XXXX 

My brothers name XXXX XXXX is showing in my personal information with Equifax which I believe caused this mistake. He did recently apply for a Home Equity Loan. 

I already submitted a dispute with Equifax thats pending. I just want to make sure they receive it
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the below mentioned 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have been disputing with Transunion, XXXX, XXXX on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. They send me back a letter that the accounts have been verified and certified. I don't believe that they have been disputing. The 3 accounts with XXXX  have serveral inaccuries Balance amounts, Status, Amount past due These accounts have 3 different amounts and statements on the 3 credit bureaus. How can that be right when they should all be reporting the same information. I have the letters were XXXX sent me that the accounts are 0 deficiency amount. The 3 accounts are Repression 's from XX/XX/XXXX and are still reporting late payment days.
Product: Credit reporting or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block been made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transaction by me as the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. 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. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$9000.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$11000.00}
Product: Checking or savings account

Due to current financial circumstances I am having problems keeping my two TRUIST accounts in good standing because of the {$36.00} per transaction overdraft fees