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

I am filing this complaint regarding the unauthorized reinsertion of a previously deleted account on my credit report by [ Credit Bureau Name ], concerning XXXX XXXX XXXX XXXX XXXX Account # XXXX. 

This account was previously disputed and removed, but as of XX/XX/year>, it has reappeared on my credit report without any notice or validation, in violation of the Fair Credit Reporting Act ( FCRA ).

Violation of FCRA Section 611 ( a ) ( 5 ) ( B ) : " A consumer reporting agency shall notify the consumer not later than 5 business days after the reinsertion if the information is reinserted. '' I was not notified within 5 business days of this reinsertion, nor was I provided with the furnisher 's name and contact information, as required by law.

Violation of FCRA Section 607 ( b ) : " A consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. '' The balance reported ( {$40000.00} ) is inaccurate in context to the credit limit ( {$6700.00} ), and the charge-off status with a high balance raises questions about the accuracy and validation of this debt. 

Violation of FCRA Section 611 ( a ) ( 1 ) ( A ) : " If the completeness or accuracy of any item of information contained in a consumers file is disputed... the agency shall conduct a reasonable reinvestigation. '' There is no evidence of reinvestigation or verification provided before reinserting this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I mailed dispute letters to each credit bureau and it is now XXXX/XXXX/XXXX and I still have not received any responses from any of the credit reporting agencies. It has been well over 30 days and a response is required. This is a direct violation of my rights and has impacted my XXXX XXXX negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have written XXXX XXXX experian to remove my private information of my bankrupcty from my reports and they lied and wrote back the court gave them the information in which i filed the same letter to the courts in which wrote back they didnt give them my private info... this is a huge disrespectful violation of the laws 15 u, s code 6801 i have consumer protection sections 15 u, s code 6801 @ ( a ) has been violated also ( b ) also sec ( 1 ) states to insure the security and confidentiality of customer records of information section ( 2 ) and ( 3 ) another violation of u, s code 6801 to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer...

all three credit reporting agencies keeps responding with eoscar automated letters and refuse to obey my privacy rights they do not have any hand written information from me i have been battling this since XXXXXXXX and each reponse tells me they verified with courts the courts wrote they dont share my info and are not affilated please have them remove bankruptcy enclosed is prof the court systems the provider isnt lawfully listed this is identity thef on their end..
Product: Credit reporting or other personal consumer reports

On this day of XX/XX/year> I was reviewing my Equifax consumer report and at that time I see a unwanted inquiry from XXXX XXXX  dated XX/XX/year> This derogatory information is being reported without my permission or a court order. Equifax staff believes that their policy supercede federal law.This is a violation of the FCRA the information being reported on my consumer report should be precise and accurate. According to the FCRA 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.There should only be correct precise information being reported by the consumer reporting agencies
Product: Mortgage

30 YEAR FIXED RATE MORTAGE. every month instead of a billing statement I get a letter stating the loan is delinquent and that the mortgage remains unpaid. the problem is that we make the payment ontime every month as we have since the beginning of the loan. have proof bank statements, copies of checks, etc. the lender is claiming an escrow account defficency .. another lie. the lender has raised the monthly payment twice and we make the higher payment. I have payed the insurance and property taxes myself out of pocket. so where the XXXX is the money being payed into escrow? the lender also is requiring an escrow balance higher than RESPA laws allow. I AM GETTING SCAMMED
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed something with the credit reporting agency, after 30 days they did not remove it which is in violation of code US code 15 USC Sec. 1681i ( a ).

I want this information deleted off my credit report.
Product: Mortgage

Started refinancing in XX/XX/2020. Was told XXXX XX/XX/XXXXI wouldnt have to pay mortgage. The was told XXXX I wouldnt have to pay. Then XXXX I wouldnt have to pay. Was told it was with closing team and would be done early XXXX. I waited to pay mortgage because of assurances it would be completed. I then realized i was dealing with a liar, and had to pay on XX/XX/XXXX with a late fee. The lender doesnt communicate info needed or process when he has information. Recently realizing that only by repeating texts/emails/calls, that responses will be made by company. I have numerous dates of signing promised, that hasnt happened and have asked repeatedly to inform me, when target dates do not happen. Worst costumer service Ive experienced. Nations lending corporate has been contacted multiple times and they dont respond either. Signing was said to be XXXX. Then XXXX. Failed to follow through. I told XXXX XXXX ( nations lending manager in XXXX XXXX Ca ) that if he doesnt follow through with his promises again, that Id go somewhere else. He said signing would be monXXXX or Tuesday XXXX. Its still not done. He told the previous lender today hed call me today. He didnt. I sent complaints today email/text. At XXXX XXXX  he emailed saying i need to make appt to speak with him. I responded with, when u break commitment, u should inform me of whats going on. Ive been treated very poorly by this company. If hed have been transparent, Id have went with another company.
Product: Debt collection

Im a federally protected consumer, and I am making this complaint against Exeter Finance LLC. for committing identity theft. I have never given Exeter Finance LLC. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Exeter Finance LLC. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Exeter Finance LLC. continues its collection efforts, I will file for litigation for actual damages caused and Exeter Finance LLC. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

We went for a mortgage to one company and they had my Equifax report. 
When we decided to go to another company the report no longer exists. 
I have been told so many different reasons this has happened, one of which was my credit cards must have reported to only 2 companies and not theirs. Another was that there is nothing that matches my name on the report just my social. I could list more excuses they have if need be. 

I sent a fax as requested, they said it takes 10 days, it's past 10 days, when I call there is no one that I can even escalate the call to. They won't let me speak to a supervisor. 

I am going for a Mortgage, already put money down on a home. I have 2 reports but Equifax is missing. This is not acceptable especially since the previous lender got the Equifax score and with that my interest rate was less!!! 

Every time I call I get a different story, please help us because this is so bad that they lost my report. I also called all my cards and they have been reporting to Equifax for over 3 years. They made a mistake. They need to own it and fix it so I don't have to get a higher interest rate through no fault of my own. And they need to fix it right and put it back to the way it was prior to it magically disappearing on their end. Thank you please contact me further if need be.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account holder : XXXX XXXX Original creditor : XXXX Account # XXXX Opened XX/XX/2022 Collections 18 U.S. Code 8 - Obligation or other security of the United States defined. 

This debt was already paid in full by the United States. So you are now under

violation and havent provided the proper steps to validate this experience. 15 U.S. Code 1640- Civil li
ability.. 
( a ) Individual or class action for damages ; amount of award ; factors determining amount of award Except as otherwise provided in this section, any creditor who fails to comply with any requirement imposed under this part, including any requirement under section 1635 of this title, subsection ( f ) or ( g ) of section 1641 of this title, or part D or E of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of the failure ; I have been failed. I demand this account be deleted!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, a debt collector company is refusing to investigate an account that is on my credit report inaccurately. I have tried to dispute this account with transunion and they are also failing to research the account correctly. The company is providing me with an alleged contract not signed by me, which also has a social security number on it that does not belong to me. I am attaching a copy of the invalid contract and also my social security number which shows that this account does not belong to me. There is also a fraud alert on my account due to me being a victim of identity theft not once but twice. I filed a police report regarding this issue, however that was years ago and I no longer have the report to attach to this. With this information, I would think that the credit bureaus and collection agencies would do a thorough investigation before assuming a debt is valid. The original creditor and everyone involved failed to do their jobs correctly.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX  XXXX : Account Number : XXXX, XXXX : Account Number : 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 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: Credit reporting, credit repair services, or other personal consumer reports

After sending several letters to XXXX requesting verification of a Bankruptcy that is currently being reported on my consumer report, they continue to reply stating that the Bankruptcy has been verified and continues to be reported. After requesting information on how that verification took place, they continue to respond the same way. Under the laws that govern the FDCPA, to verify a debt or " Bankruptcy '' you can not verify a Bankruptcy through 3rd party means. After speaking with the United States Bankruptcy Court District of Nevada, they have already made it clear that NO information is reported to ANY credit bureau. In such, means that the credit reporting agency is getting their information from a 3rd party, which is not legal for reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE
Product: Credit card

XX/XX/2016 I redeemed {$100.00} in rewards. My bank has a statement on the " Redeem Rewards '' screen that states " Redeem for {$100.00} or more and receive a {$25.00} Bonus Rewards Card to spend on yourself ''. There are no terms or conditions listed with this statement. When I did not received the bonus {$25.00}, I contacted my bank and asked why I had not received it. They stated that you can only receive the bonus once a lifetime. I believe this to be deceptive since that is not stated on the " Redeem Rewards '' screen.
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 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 The following accounts are reporting inaccurate, illegal late payments Target Redcard XXXX showing late XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Showing late XX/XX/XXXX XXXX
Product: Debt collection

JOINT MEDICAL COLLECTION? WHAT? FOR {$2800.00}??? 
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Product: Money transfer, virtual currency, or money service

Well I Am an online shopper and its been a few times 1 or 2 that I have been scammed through Zelle, and XXXX far as transferring money internationally, Ive been told directly from Zelle thats it doesnt matter if I was scammed once the money is sent its gone and far a XXXX  most of the time you never get an response and it just feels so unsafe and unreliable and your money Is just gone. I was scammed of {$200.00} through Zelle and twice of {$25.00} and {$55.00} through XXXX  it should be more security and reliable when it comes to transferring money especially big amounts and accounts that are consistently being reported for fraud and scamming.
Product: Credit card

I am a victim of identity theft. 

A target national bank account is appearing on my report that does not belong to me. after multiple disputes, and requests for verification, this company has refused to respond with any information on this account.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I called on XX/XX/XXXX to see if I could get assistance with hardship to lower my apt so that I. A pay down my balance. I spoke to XXXX in customer service who transferred me to XXXX XXXX in Collections at XXXX. I did not need collections because all of my accounts are current. XXXX XXXX transferred me to XXXX who was supposed to to be a hardship specialist. When I ask her what department is this she said I am the right person to speak with we spoke for over 2 hours and she did not have a solution to lower interest or a pay down plan without closing my account. I told her I may be going for XXXX in the far future and if I cant keep up the payments then bankruptcy may be my only option. I told her to keep it as is and I will continue to make payments towards my card. As of today XX/XX/XXXX I noticed after I paid XXXX plus dollars there was no available credit so I called. .Spoke to XXXX in SC that told me my account was closed. Ive had this account for years. My oldest credit. Which I know will affect my credit score. XXXX transferred me to her manager XXXX that said she will submit a request to try to open the account back up but no promises. She said she could see that XXXX submitted a request to close my card because I mention the word bankruptcy. This agent did not tell me this is what she was doing. She just did it. The manager XXXX keep giving apologies and gave a me a case number XXXX. I worked for Bank Of America for 20 years and never seen a case number like that. My accounts has been opened since XXXX. No promises was given and the statement cycle will close and the intrest will take the XXXX that I was going to use for my XXXX. This is unacceptable to close my acct and tell me nothing about it because I mention bankruptcy in the conversation. XXXX took action without my consent and closed my longest standing credit card. I told the manager to listen to the call and she will see I told that agent to leave my account as is. All of my accounts are current!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

GC Service is being completely unreasonable. 

My husband and I were traveling around XXXX XXXX, 2015 on a 6 week trip. He became sick and we needed cell phone service that worked where we were. XXXX did not work. We had to switch carriers. When I called to cancel service I asked what I owed and was told there was no final bill available. However according to your company, on XXXX XXXX, 2015 a final bill was sent. We did not receive any final bill and it went to collections in just XXXX60 days!! We did pay immediately when we found out about it. 

Paying did not help my XXXX scores XXXX single point. this is very unfair. It never would have XXXX to collections if I had received a bill as I would have paid it. 

This is the ONLY negative item on my credit report and it is preventing business lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Credit card or prepaid card

My issue is with Chase Card Services. The address I have been contacting is Chase Card Services XXXX XXXX XXXX XXXX DE XXXX. We have XXXX issues both during the period of XXXX XX/XX/2022. 

# XXXX. While in XXXX we used the card to charge on a toll bridge in XXXX while driving a rental car. The toll was approximately {$20.00} XXXX. The mistaken charge came on our credit card bill as {$200.00}. We filed a written dispute in XXXX of 2022. The response from the credit card company was that we owed the amount in question which was in error. We wrote back to the card company that the {$20.00} was authorized but not the {$170.00} # XXXX. On the same trip to XXXX our Credit card was stolen. We reported the theft within XXXX hour. We also reported the unauthorized charges of {$1400.00}. These charges were removed from our bill the next billing period but subsequently added back the month later. 

Every month since that time we have written a dispute letter to the card company. The card company has ignored our dispute letters and continued to bill us plus service charges and interest every month. Several months ago we cancelled the account. 

Now we note that the credit card company has recorded a negative past due notation on our credit report and is not indicating this is an on-going dispute. The card company continues to ignore our correspondence on both issues and simply demands payment. 

We have been a customer to this company for over 15 years without any issues.