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

I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

On XXXX XXXX a dispute was filed with Chime Bank in regards to an XXXX item that was not received on and after the expected delivery date. It was for Claim No. XXXX for the amount of {$160.00}. A dispute form was emailed to and was completed and returned to Chime Claims Department the very same day. 
Regulation E of Banking Rules state that if a customer has a dispute, notifies bank in writing, is entitled to provisional credit of the amount in question. Bank has to reach a resolution within 10 days, and if institution can not reach a resolution within that time frame, they are to provide provisional credit to the customer. That wasn't done. And what's worse, Chime advised me that due to the nature of my dispute, I wasn't entitled to provisional credit and that the claim wouldn't reach a resolution until XX/XX/XXXX. Chime was confronted with the facts, but rather than come up with some competent answer, decided to send me " form emails '' repeating the same nonsense excuse. I, in addition, submitted additional information to Chime Claims, with no confirmation stating they'd received it. 
Chime is in violation of Banking Regulation E, and I demand that my funds in the amount of {$160.00} be returned to me immediately. Chime is deliberately causing financial hardship in addition to violating banking regulations.
Product: Debt collection

I visited the XXXX XXXX XXXX on XX/XX/XXXX. The cost was {$220.00} which was paid by my insurance on XX/XX/XXXX. On XX/XX/XXXX this amount was moved to collections at Merchants Credit Guide. I had no idea any of this had even happened until XX/XX/XXXX when I applied for a credit card and was told I had something in collections. I called my insurance which said that they should've paid it and I never should have been billed in the first place. I called the XXXX XXXX XXXX and they said they had mailed me the bill over and over, but they had been sending it to the wrong address. After the due date was passed it was sent to collections. 
I logged into my insurance account online to see if I could find the original date of the doctor 's appointment that had started all of this. I saw that they had paid the bill just one month after my appointment.
Product: Debt collection

THIS DEBT COLLECTOR STATED I, THE CONSUMER, HAD 30 DAYS AFTER RECIEVING THIS NOTICE TO DISPUTE THE VALIDITY OF THIS DEBT, YET THEY REPORTED THE DEBT TO THE CONSUMER REPORTING AGENCIES PREMATURELY. THAT IS A VIOLATION OF MY CONSUMER RIGHT AND CONSTITUTES THE REMOVAL OF THIS ALLEDGED ACCOUNT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX  is reporting that I was 30 days late on a payment in 2021. This information is incorrect and I need this removed from my credit report immediately
Product: Debt collection

1 ) On XX/XX/XXXX, {$420.00}, I submitted a Debt Verification Request Letter to the company 2 ) I received a response from the company which included a billing statement which is not proof that the debt belongs to me.

3 ) XX/XX/XXXX, I submitted another request for verification of the debt to the company 4 ) XX/XX/XXXX, once again, I received a duplicate billing statement but nothing with my signature or proof that the debt belongs to me.

5 ) XX/XX/XXXX, I submitted a request to all three credit bureaus to remove this debt from my credit report, due to the lack of response to my request for debt verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

this vehicle has been paid in full. I TRIED SEVERAL TIMES TO HAVE THE NEGATIVE ITEM REMOVED. there IS no way I COULD HAVE SOLD THE CAR WITH A CLEAN TITLE if i owed. IT REPORTS LATE AND OWES XXXX : XXXX STATES THAT THEY " VERIFIED '' THE INFORMATION THEY DID not,, I spoke with XXXX from Equity auto who claims theres no way it was verified BECAUSE THEY DO NOT REPORT TO XXXX. 

XXXX XXXX
Product: Credit card

I was told my American Express that my XXXX benefits were approved and active on both of my cards. However, today I was told today by XXXX in customer service that the XXXX benefits are now pending. I have opened several complaints again American Express due to the mishandling of my XXXX Benefits and I have yet to talk to anyone on the XXXX benefits team. They call me and leave me a voice message to call the phone number on the back of my card for assistance. I do what they tell me to do. I call the number on the back of my card and I talk to a representative. However, they can not assist me and they tell me someone will call me back. Well ... ..no one will call me back. This has been going on for 2 years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft since 2014. I am at my wits end getting these items removed. Equifax has been the worst out of all 3 reporting agencies. I have provided my FTC paperwork, court ordered paperwork signed by the judge clearly stating the accounts were not mine and now I am including my new updated police report ( this is the 3rd one in 6 years ) but yet this company refuses to follow the law and remove the fraudulent items off my report .... which makes it even worse since they are also a company who let me information out into the world
Product: Credit reporting, credit repair services, or other personal consumer reports

submitted a dispute with XXXX in XX/XX/XXXX, nothing has been resolved.. error continues to show in my credit report ... the error is : XXXX XXXX XXXX XXXX/XXXX XXXXXXXX XXXX  XXXX XXXX tx, XXXX amount {$740.00} that account was included in bankruptcy filing case : XXXX discharge date XX/XX/XXXX please help me correct the record thank you
Product: Credit card or prepaid card

On XX/XX/2019 i received a notice that my intrest rate would be increased from 20.24 % to 24.24 % effective XX/XX/2019. During the time i have have never been late and my credit score is 50 points higher than when i initially applied for the card. Also my credit utilization rate is around 13 %. I was told that all that didn't matter.I Have never had a late payment on any of my cards or loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry that is fraudulent someone else did it and I tried removing it from the credit bureau and they wont do it. The inquiry is XXXX XXXX XXXX XXXX. The address is XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX. The telephone number is XXXX. 
The inquiry was on XX/XX/XXXX, XXXX
Product: Checking or savings account

On XX/XX/year>, a person presented a check deposit and received cash back ( {$1800.00} ) at PNC Bank in XXXX XXXX, MD. I received a letter from PNC on XX/XX/year> advising me the check deposit was returned due to account closed. Since no deposits were from me, I decided to go to PNC XXXX in person where my account was opened. The XXXX shared the deposit ticket and cash withdrawal from my account. Basically, the person drained my bank account. PNC agrees this was not my signature on file so I closed this account and opened a new one. We filed a fraud claim and I was advised the funds would be deposited to my new account within XXXX days. It's been over 2 months and I still do not have the money. I've contacted PNC numerous times, spoken with the branch manager at the location where funds were stolen, been in touch with the VP Client Relations at PNC. I'm told, this is still under investigation. I'm unclear why? It was not me and the signature does not match! I was also advised to obtain a police warrant in order to see the video footage and prove this was not me. I'm working on this now but feel a forged signature should be good enough. PNC is also charging {$15.00} bank fee on old account where $ $ was taken. Any help is greatly appreciated.
Product: Checking or savings account

I opened a Secure Bank account with Chase in XXXX I graduated to a Total Checking and my account was closed with no explanation. Ive tried to reopen a new account and have been told that I can no longer bank with Chase with no reason given.
Product: Credit card or prepaid card

I paid off my Bank of America balance. BoA is still taking automatic payments out of my checking on a card that has a XXXX  balance. When I ask for this to be refunded, they keep telling me to " call back tomorrow ''. I then asked to just have my money refunded and to have the account closed, and they told me that I would still have automatic payments taken out of my account even if I close my card account. Currently, I have been on hold for 49 minutes with no end in sight. They are not willing to help me, refund my money, close my account, or stop taking money that I do not owe them. How this is legal is beyond me, but it needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed I had a recent late payment on my account that I wasnt late for, I reached out to XXXX  XXXX ( Account number XXXX ) in regards to the current late payment. Please investigate and provide proof with statements showing that this payment was late, if proof cant be provided I demand this late payment be updated to on time as they should be as I was never late. Thanks
Product: Debt collection

This company NAVIENT ( XXXX ) called my part time job and upset my XXXX by saying that I MUST call them today. I am an XXXX XXXX there at XXXX XXXX College and otherwise retired. I have n't worked there since XXXX 2016 because my wife is very sick she is waiting for a XXXX XXXX. At my home we only answer the phone expecting to hear from the XXXX XXXX XXXX. So it was equally disturbing for someone from the College to call telling me at home to tell me that someone from NAVIENT a XXXX XXXX I do n't recall the last name, saying I had to call them TODAY. I have told them many times to stop calling so I hereby file this complaint in the hopes that your agency can help.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XX/XX/year> {$0.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

DRS Not mine or No knowledge of account successful icon
Product: Checking or savings account

did not receive proper interest for days accrued during grace period. was told by my premier manager XXXX XXXX what the amount of interest I should have received was but did not receive. according to citizens bank XXXX was no longer at the bank. they told me the account dropped to 0.05.On a cd account. should have received 1.54 percent. Was told by XXXX XXXX the amount was XXXX. 
instead received 1.52. Spoke to branch manager XXXX XXXX and was told someone would get back to me. that was one week ago and still no one called to resolve this. Very unprofessional bank. every manger I have delt with is always gone. I am told different answers by everone. Deceitful practices and no one has the courtesy to call back in a timely manner.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 it states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Transunion, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is supported by 15 USC 6801, which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that, " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX and the Consumer reporting agencies Transunion, XXXX, and XXXX do not have my consent to furnish this information and they definitely do not have my written consent. Any and all consent to Transunion, XXXX, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' EXETER FINANCE LLC never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681XXXX ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Transunion, XXXX, and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint against Equifax for taking 30 points off my credit score while other credit bureau, XXXX, and XXXX XXXX don't drop my score that high with the same reporting that Equifax receive. Please investigate Equifax immediately because I believe they're attempting for me to pay them for services that I don't need. I need them to stop that massive point drop on consumers credit report. 

Thank You XXXX XXXX XXXX
Product: Checking or savings account

This bank is being run by donkeys The stole {$300.00} from my account This is the transaction from my checking account ending in XXXX XX/XX/XXXX Telephone transfer to XXXX XXXX XXXX. debit - {$300.00} I never called them on XX/XX/XXXX and this stupid transaction says the transfer was done from the same account to the same account which does not even make any sense. 

The worst part is the idiots that are employed by this garbage bank. I have wasted 3 hours with these donkeys, they keep transferring me from customer service to claims to online claims and back to customer service. I hope all these idiots die of XXXX XXXX.
Product: Mortgage

My mortgage company was not aware that my municipality taxes property twice a year. Therefore, they did not pay my most recent tax bill ( Winter 2020 bill ). Ive contacted their customer service over the last several months and they stated that they will address the issue. However, they have not paid the tax bill. I have recently received a Notice of Delinquent Property taxes from the city. The company in charge of the escrow account is Dovenmuehle Mortgage.
Product: Payday loan, title loan, or personal loan

Took out loan in distress. Later contacted company to halt payday withdrawals as I could not afford them. Requested multiple times to cease all contact to me. Failed to do so harasses me daily.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. 
The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am the Authorized Agent for the NAME XXXX XXXX XXXX or XXXX XXXX XXXX, requesting this block for the name of my PERSON. 

The Accounts that I need removed are XXXX XXXX XXXX with the amount XXXX. The original creditor was XXXX XXXX. 

Also, XXXX XXXX, Amount XXXX original creditor XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX original creditor XXXX XXXX XXXX XXXX XXXX original creditor XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I called XXXX and spoke to one of their representatives I informed her that XXXX erroneously reported that my account was in collections. I informed her that I do not have any accounts in collections. She was rude and less than helpful. I placed a called to Equifax and they informed me that XXXX reported to them in XX/XX/2019 that I am 188 days late on my account and its in collections. He looked further into my record and he said how could they report that when it says your account has been paid and its closed. He then opened a dispute. I then called XXXX back and the rep I spoke apologized. She stated it would take 30 days to have my reports corrected. That is unacceptable and all three credit reporting agencies were given the same information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX accounts numbers : * 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: Credit reporting or other personal consumer reports

FCRA 605B obligates you to remove any incorrect accounts from my credit report. Could you verify the documents? There are inaccuracies in the reporting, amounts, and dates for some listed accounts.
Product: Credit reporting or other personal consumer reports

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to those customer 's nonpublic personal information. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX ( SHOULD NOT HAVE A BALANCE REPORTING ) XXXX Account Type : Installment I Account Type - Detail : Auto Loan Bureau Code : Individual In Account Status : Closed Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XXXX Balance : {$17000.00} No. of Months ( terms ) : 72 High Credit : {$37000.00} {$37000.00} {$37000.00} Credit Limit : Past Due : {$1800.00} Payment Status : Late 30 Days Late 30 Days Repossession Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Closed Customer disputed account - reported by subscriber. 
Involuntary Repossession Auto : reported by grantor XXXX, XXXX and Experian is a financial institution by definition under that title. 1681 section 604 ( a ) section 2 states that " In general subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. The financial institution and the above companies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent whether it be non-verbal, verbal, written, implied or otherwise is revoked. 15 USC 6801 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- the consumer ( me ) is given an explanation of how the consumer can exercise that non disclosed option. They never informed me of my rights to exercise that nondisclosure option. Every consumer reporting agency shall maintain reasonable procedures ' designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to Opt-out at any time.