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

Company states the dispute was not specific
Product: Debt collection

I filed a FTC report on XX/XX/2021. This account was due to identity theft. The account was removed from my XXXX account, but this account never was removed from XXXX and XXXX and showing on my report.
Product: Money transfer, virtual currency, or money service

From XX/XX/XXXX  to XX/XX/XXXX  I was a victim of unauthorized transactions with Google Pay, Wallet. I had my phone stolen, and had my device compromised -- -I had a few XXXX dollars of disputes because this person who sent themselves money and or obtained it from my device to theirs... was somehow able to keep the money and I was not informed of the transactions. I want my money back, and I want this to be fixed. The person who did this, who I showed in my documents is currently XXXX  for crimes and so I wish this could be resolved and my money returned.
Product: Credit reporting or other personal consumer reports

I received a debt notice, along with renewed judgment, on XX/XX/year> in re : transactions that were not made by me. I never gave written consent to Midland Credit Management, Asset Acceptance LLC, nor XXXX XXXX XXXX ( XXXX ) to report or furnish my information on my consumer report or any other entity.
Product: Mortgage

I had a loan on a home in Florida of which the mortgage was purchased Purchased in late XXXX and became serviced by Bayview Loan Servicing. The property was surrendered last XXXX in a Deed in Lieu transaction. On XXXX/XXXX/XXXX ; I received a XXXX from Bayview with the incorrect Fair Market Value of the home and therefore, the incorrect amount of discharged debt. The XXXX was not filed on a timely basis and incorrect information was given the the IRS.
Product: Checking or savings account

This happened - my deposit was hindered by a 3rd party vendor which is hindering me and my trip. Now my money is being withheld before I leave the state of Tennessee to go on vacation. Im losing out on over XXXX dollars because of this Heres there one email response Only one and others I have gotten they should pay for this, they are costing people money Valued customer, Starting XXXXXXXX XXXX XXXX Capital One began experiencing a disruption impacting the processing of some deposits, payments and transfers, which is due to a technical issue with one of our service providers.

Specifically, this has delayed processing of some transactions including direct deposits and Early Pay credit for direct deposits, as well as electronic payments and transfers ( ACH ).

Were working closely with our provider to resolve this issue and restore processing as quickly as possible. We expect services to gradually begin to return to normal throughout today and the majority of issues to be resolved by Friday morning. 

Once the systems are restored, we will process all deposits and other transactions that have been delayed. You will be able to see those deposits and other transactions after they have posted by visiting us online or through the Capital One Mobile app. For additional servicing assistance, please call us at the number on the back of your debit card or visit a Capital One Branch or XXXX  
As always, we appreciate your business and apologize for any inconvenience that this disruption has caused you. We assure you that we are taking this event very seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that this account be corrected immediately or I will file for litigation. 

XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 Date opened : XXXX Balance Owed : {$0.00} The provision I mentioned, 15 U.S.C. 1681s-2 ( a ) ( 1 ), is a part of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates consumer reporting agencies and the use of consumer information. This specific provision pertains to the responsibilities of
Product: Credit card or prepaid card

Made my last principal and interest payment at BESTBUY Store. Apparently I was past the 15 days ( although the cashier at the store didn't tell me ) I apparently began to receive late fees and interest charges. Once I made my final payment, thinking I was paid to {$0.00}, I never recall receiving anything BestBuy/Citi . I finally became aware of the fees and called. 
XXXX XXXX I called Citi Card to complain they were capitalizing on late fees and interest charges. I was told there was nothing they could do and I owed that money. I refused to pay anything other than what the original late fee was stating, " it is no fair and is even predatory to capitalize on late fees and interest charges on something that started with a {$0.00} balance. '' Wednesday XX/XX/XXXX I called back. Was made aware that Citi decided to waive the full amount of fees ( which totaled around $ XXXX ) and that I had a {$0.00} balance and the account was closed. I was told that the negative information, balance & delinquencies would be removed from my credit report on XX/XX/XXXX, As the call was ending, I asked this rep for her employee ID as I had my doubts that this would be rectified so quickly and easily. XX/XX/XXXX or a few days that follow, I see that Citi has wiped the $ XXXX balance on my credit report to {$0.00}... however the late/delinquencies were still appearing... i called back on XX/XX/XXXX... i was on the phone for over one hour and nineteen minutes ... over 70 % or more of this time kept on hold. After all this time, a woman named XXXX from the Tennessee office TEAM XXXX ID # XXXX told me that not only did I have to keep waiting for this report to be processed ( that this could take 2+ weeks, it wasn't even guaranteed to be wiped from my credit report. I explained to XXXX and before her ( XXXX EMPLOYEE ID XXXX ) that i was told on XX/XX/XXXX it was going to be taken off of my report, balance and delinquencies... upon telling XXXX this, she said we will go back to that rep and use this as a teaching experience. This is unacceptable in protecting a consumer from these large corporate financing companies. What are we to do? I was told one thing, now being told another. What protection does a consumer have?
Product: Debt collection

XX/XX/2022 IQ Data International Inc. contacted me regarding an account. 

XX/XX/2022 IQ Data Internationals sent a letter trying to collect on the debt. 

XX/XX/2022 I sent a letter via return receipt for validation of the debt requesting to stop collecting on the debt until debt is validated. 

XXXX XXXX IQ Data International Inc. reported to credit monitoring services increasing amount, which resulted in points decreased, without debt being validated.
Product: Credit card or prepaid card

XXXX XXXX Comenity Master Card statement had a fraudulent charge from XXXX XXXX Contacted company placed fraud on my account, card was closed and new card issued. 

XXXX XXXX New card received unable to register card, received statement from Comenity with no balance yet {$39.00} late fee. Called Comenity due to system upgrade my account got tied up and unable to access account. Transferred to fraud who stated fraud investigation still ongoing, due to system issues dont be concerned with late payments, they will be eliminated when account is corrected. 

XXXX XXXX Another statement another late fee XXXX balance- Called Comenity still unable to access my account due to system change- no concerns not reporting to agencies late fees and all fees will be removed once system and account is corrected. 

XXXX XXXX Statement late fee, contacted Comenity customer service unable to find Mastercard account in system. Transferred to fraud who could find notes in the old system. Not sure why my account isn't correct escalated to IT from immediate correction call back in a few weeks XXXX XXXX Statement late fee- called fraud department and same issue, however this time they said the fraud was confirmed and I have XXXX balance do not be concerned with late fees all accounts effected will be corrected and balances taken care of a new card issued. 

XXXX XXXX Statement late fees this time credit of 1 late payment and charge of another late payment with 90 day late notification. Customer service can not locate Mastercard account transferred to fraud same story XXXX XXXX Letter from Comentity credit limit was reduced from {$7500.00} to {$750.00} for failure to pay. Contacted Comentity customer service still can not locate Mastercard, transferred to fraud who said this is odd should be fixed going to escalate to the top to be corrected immediately and I will get a letter when corrected. May have to close entire account when corrected to get it back, which seemed odd XXXX XXXX Delinquent reporting on all 3 credit agencies- dropping credit score and now impacting possible parent plus loan on my sons education parent plus loan. 

I have as documented on their records {$0.00} balance on this card as I have not used it in years. The late payments were on the fraud charge on my account and since their system upgrade my account is lost. I have called and mailed monthly since this started, with communication stating this will have no impact on my credit reports. It has now impacted my credit reports and rippling effect.
Product: Credit reporting or other personal consumer reports

These inquiries were not mine and is considered to be fraudulent.
Product: Vehicle loan or lease

My car was traded in on XX/XX/2023. I received a call several times a day about payments. I called and told the company was the car was traded in and a representative called and I stated the care was traded in to XXXX XXXX. Representative stated that I still needed to make payments or the will repossess the car. I said the car was traded in so you will have to take that up with them. Now they have reported on my credit that its late and continue to call me several times a day. XXXX stated a check for payoff was sent exactly a week after the car was traded in.
Product: Credit reporting or other personal consumer reports

False investigation into a collection company I have no agreement with to pay. I never opted in for my information to be sold to this company. They do not have first hand knowledge of this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to dispute the XXXX XXXX XXXX account on my credt report. I have asked during every single investigation for proof that it is in fact my account. I need my signature showing it is mine on anything. I have XXXX & was going through multiple XXXX XXXX at the time the company says it was open and being used. I could not have. I had a XXXX. They have yet to produce any significant proof of signatures. I would gladly pay if it were mine. It is not mine.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it againXXXX XXXX XXXX XXXX  Balance Owed : {$580.00} ; XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXXXXXX Balance Owed : {$530.00} ; XXXX XXXXXXXX Balance Owed : {$350.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$310.00} ; XXXX XXXXXXXX Balance Owed : {$380.00}.
Product: Vehicle loan or lease

Account was delinquent. I contacted capital and set up payment arrangements to make this current-They were taking the money monthly for the payment arrangements. These began on XX/XX/XXXX in the amount of {$680.00} these payments went on until XX/XX/XXXX which made the account current. During this time my account was still being reported with no payment when in fact they were not. So now I am trying to get a mortgage on a home and this is really affecting my credit score and my ability to get this taken care of. I aided by the payment set for me and they are not willing to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting an amount that I disagree with. This was a secured credit card. I had to deposit {$200.00} to access that amount in credit. The card was closed. The company did not return the security deposit nor did they apply it to the balance. I've reached out to the company by phone several months ago, by mail and through disputes with the credit bureaus.
Product: Mortgage

XX/XX/2020 XXXX XXXX XXXX Loan number XXXX XXXX XXXX XXXX XXXX, CA XXXX I'm reaching out to you in the hopes that you will be able to assist me with my negotiations with Rushmore Loan Management Services. 

I have been trying, unsuccessfully, to resolve a Foreclosure matter with them for more than a year now. 3 years ago, my fiance passed away and that created, not only a loss of income, but a large financial debt. As a result of these issues, I fell behind with my mortgage and have been trying to modify the loan since. 

I have been working with an attorney who has basically only made the issue worse, as that person has backed me into a corner - there is a sale date schedule for my home on the XXXX and the attorney did nothing to address it. 

I reached out ( again ) to Rushmore last week and was told that as long as I had documentation submitted by end of business day, Monday the XXXX, I would be fine. I submitted everything, called on Tuesday to confirm that it was received and was told that the documents were being imaged. When I spoke with them yesterday I got three different answers from three different individuals, regarding the status of my request - all of them conflicting. 

Not only this, but now they're requesting additional documentation and are refusing to put the sale date on hold. I have done everything I possibly can to comply with their requests over the last year, but it seems as though they're determined to follow predatory, as well as, questionable business practices. 

I was told that things would be fine, as long as I follow their instructions, but it's clear that that was all part of their deception. Please assist with this matter.
Product: Payday loan, title loan, or personal loan

I am writing because I am trying to figure out exactly why NFCU is allowed to break the law and charge me for fraudulent debits and I have completed everything neccessary to have them blocked under FCRA 605b.

I have fully complied with the requirements of FCRA 605B ( a ), which sets forth the items required to block identity theft info from your credit report, and them imposing an investigation requirement that is clearly not part of the block procedure is clearly a violation of my rights.

The two individuals who " investigated '' were XXXX XXXX ( who I have never ever heard from and never contacted me ) and Senior Investigator XXXX XXXX ( who basically just treated me like I was the criminal and his " investigation '' was based on his opinion, which is completely unfair.

Someone has seriously done damage to my future and has made it extremely difficult for my everyday life, and to ME that is serious, even if noone else seems to care or be bothered to actually follow the law.
Product: Checking or savings account

I started a dispute with the bank under the understanding that I would be protected by Visa 's zero liability policy. According to the bank 's website disclosure, it states that it takes five days to receive the provisional credit after submitting a dispute. After filing the dispute and waiting two weeks ( 14 days ) without getting the provisional credit, the website agreement does not mention anything about high priority cases taking longer than five days. The bank has violated my rights under the zero liability policy, as the company misrepresented itself in the account agreement and disclosure by stating the credit would be applied in 10 days, rather than the 5 days stated in Visa 's zero liability policy on their website. The account opening learn more tab said my account type was covered by Visa zero liability. evidently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX XXXX  XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Open date XXXX XX/XX/XXXX CarMax auto finance Open date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX Enclosed is a copy of my Identity Theft Report, supporting my position.
Product: Checking or savings account

Chase bank is closing my private client account on XX/XX/22 and they sent a letter to the person I added on this account but never sent me a letter. I called them, they said I had to be transferred to the compliance department. The compliance department told me they are closing my XXXX XXXX checking account number ending in XXXX. They told me the reason is confidential, they will not tell me, there will not be a review and it will not be overturned, and I am not allowed to open another Chase account again. However, it only seems to affect this account. I have another account ending in XXXX that they are not closing, at least up until now, and I have an investment account they are not closing. The compliance department said none of my other accounts have a closure notification. They mentioned it's possibly related to the person I added to my account. She no longer has a Chase bank account but she once did, however, she still has a Chase credit card. I want the reason for the closure because I may be forced to file a lawsuit if it's for unjust reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus are illegally destroying my credit
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

have multiple Hard Inquiries that I did not authorize. The company of the inquires and dates are listed as such : XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/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 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 numerous dates from  XXXX   XXXX  until  XXXX   XXXX  to resolve a  XXXX   XXXX   XXXX   XXXX  account inaccurately reported on my Transunion and   XXXX    XXXX  Reports. The issue has been fixed on my  XXXX   XXXX    C redit Report. I recently received a letter from  XXXX   XXXX   XXXX   XXXX  that I did not initiate. I am enclosing a letter to CFPB and additional enclosures of proof.  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX  and Last letter  XXXX   XXXX ,  XXXX  have sent dispute letters. Two letters were returned addressed to Transunion, therefore I sent out last letters via certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had inquired about a camper from XXXX XXXX of XXXX. I gave them permission to pull my credit. I was unaware and did NOT authorize them to send out credit pulls to the follow banks ; XXXX XXXX  XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX XXXX XXXX on XX/XX/XXXX. I now have all of these hard pulls against my credit that I did not authorize!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/year>