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

I XXXX XXXX XXXX, am filing this CFPB complaint concerning a dispute of re-investiga tion. Into inaccuracy being reported on my consumer credit reports. With XXXX, XXXX XXXX and Equifax Information Services. In my dispute I also had my disputes notorized as verification of the date they were filed In the filing of my disputes my federal rights were violated by the furnishers. Whom, were reporting of the inaccurate infromation.My rights were violated by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent my disputes requesting an reinvestigation into the negatively inaccurate informati on that was being reported. According to the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). you are required by federal law to conduct a reasoable 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 before the end of the 30 day period beginning on the date you received this notice. 

I demand to see verifiable Proof ( This should be-hard evidence that goes all the way back to the original creditor, not verification from a third database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the negative account. 

I had my disputes notirized to verify that I had submitted my disputes.And not only to show when the dispute letters were notorized as witness of the disputes. After, the filing of the disputes, I never received any notices of investigation results at all. Therefore, the Law is very clear as to the Civil Liability and the remedy available to me for " " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend to pursuing litigation in this matterto enforce my rights inder FCRA. 

In the filing of this CFPB, complaint XXXX demand first of all that the federal staues be followed. By all three credit bureaus, and furnishers. As, I know that credit bureaus do not conduact any reinvestigations. Thats why have not received any reivestigation information on any of my disputes. 

Thus has violated my federal rights over and over again, so I want the negative accounts deleted from my consumer reports with XXXX, XXXX XXXX XXXX XXXX and Equifax Information Services. 

( See attached copy of disputes submitted to the three mayor credit bureaus ) which will prevail all of my rights violated unDER : 15 USC 1681 611 ( a ) ( 1 ) ( A ) 15 usc 1681S-2 15 USC 1681 ( a ) ( 7 ) 15 USC 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ) I demand immediately deletion of account information or face Civil Liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had fraudulent charges and my credit ran in my name and I called every single one of the places I 'm about to name about the the inquiries I have from these places and they took my number down telling me they would get back to me and I have n't heard from anyone. I have unauthorized inquires from the following : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I requested to reduce my interest rate to XXXX XXXX as it was hard to pay a high interest rate. 
They promised, if I apply for loan modification, my interest rate would be reduced. I requested to refinance based on my good credit and payment record. They informed and insisted that the only way to get requested relief was to apply for loan modification. On their insistence and information that my interest rate would be reduced, I applied for loan modification twice but they did not reduced the interest rate at all and now they are refusing to refinance and not accepting their mistake. If I would have advised for refinance from the day one, I could have get refinance at 2 % or less while I was current on my mortgage with good credit. Now I can not refinance from anywhere and Loan Care is fully responsible for this misleading and misguiding intentionally. They refuse to reply of my voicemails, emails and certified mail at all knowingly and willfully. 
In good faith, I reminded them our conversations, but they aren't resolving the issue, but are threatening. My original request was to reduce interest rate which is 4.375 %. I believe they have misled me intentionally. I respectfully request assistance in negotiating the terms of modification reflecting the original promise of reducing it interest rate and waive any and all unlawful late fee and penalty, they have levied without cause and in violation of my consumer rights. If this was not done intentionally twice, that what is this? why I was misguided and misled? There is some someone somewhere who can ask this question and I have right for correct answer and get this problem fix ASAP. 

Best Regards. 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit file and I noticed a hard inquiry, which I didnt recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

After Equifax lost over 140 million people 's sensitive data, I place a freeze on my credit for this bureau. Since then, I've had a very difficult time having my freeze lifted. Earlier today, I attempted to open an account in order to purchase a new XXXX at an XXXX XXXX. After calling Equifax, and confirming all of my personal information, I was told that I'd need to mail into them a copy of my driver 's license and social security card. This is unacceptable. Equifax is holding my personal data XXXX. I'm essentially unable to now purchase anything because of Equifax 's outrageous and uncalled for shutdown of my credit report.
Product: Checking or savings account

America First Credit Union informed members of a required change to a {$6.00} fee service that we were all automatically enrolled in. No attempt has been made by the company to inform me of this change, found out through local news. Attempted contact and was told it was the best option for me as a customer. This is unacceptable behavior from a seemingly reputable institution such as a credit union thats business is to manage, not waste, customers money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax via phone and the internet to request that you remove the following unauthorized inquiries from my credit report :   XXXX   XXXX    XXXX   XXXX ,  2016    XXXX   XXXX     XXXX   XXXX  , 2016   XXXX   XXXX   XXXX   XXXX  , 2016   XXXX   XXXX   XXXX   XXXX  , 2016   XXXX   XXXX   XXXX   XXXX  , 2016    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , 2016   XXXX   XXXX   XXXX   XXXX  ,2016   XXXX   XXXX   XXXX   XXXX   (   XXXX  ) Various Dates  XXXX  (  XXXX  ) Various Dates So you explain to me that this inquiries are factual in which they are not. I have attached a copy of the letter that I have sent directly to the creditor disputing their reporting.       I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time.     I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Debt collection

Ihave filed disputes I never hhad any dealings with this company
Product: Mortgage

I have a loan with Select Portfolio Services ( SPS ). They purchased my loan from XXXX. I pay my loan every two weeks. Initially they applied my payment immediately. They dont anymore although they immediately cash each payment. Theyve negatively impacted my credit score reposting & causing continued destruction of my credit score. An Atty has contacted them on my behalf, theyve promised to fix it and have not. In addition other creditors have reduced my creditlines now impacting my debt usage to income ratio-Im over 99 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act and XXXX  Accounts : XXXXXXXX XXXX XXXXXXXX XXXX Account : XXXX XXXXXXXX XXXX XXXX AccountXXXX XXXX. XXXX XXXX XXXX  Account XXXX XXXX XXXX. XXXX Account : XXXX XXXX. XXXX XXXX XXXX XXXX Account:XXXX XXXX. XXXX XXXX. 
Account:XXXX  all of which has violated my rights. 

15 U.S.C. 1681section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish any account without my written consent of instructions as well verify the true and accuracy of the information with consumer.
Product: Checking or savings account

RE : XXXX XXXX XXXX XXXX XXXX Banking Account XXXX : XXXX Account # XXXX  I had an employee working for us who used our checking account to issue ( 3 ) charges to Collaborating Docs Totaling approx {$XXXX} without our knowledge, consent or authorization. There is only XXXX authorized signer on this account. The employee was not authorized to make this transaction. I notified the bank and they issued a temporary credit but failed to complete the investigation and the credit was reversed. There is no contract or documentation from the merchant but from the merchant to the employee who used our account to pay for licensing that we did not authorize. It has been explained numerous times that this employee NEVER had authorization or permission to charge our account. 

I have called ChasXXXX several times to have this issue escalated. Most of the time I would get transferred to different departments, get hung up on or told there is nothing I could do. I went into the branch to see about how to resolve the issue, I asked the representative if this could affect me personally or keep me from entering into the XXXX and was told it would not. I asked if I could perhaps make a payment arrangements in case it did and he informed me that it was too late to do any of that due to the stage of the account and assured me it would not affect me personally. 

Chase Bank not only held the company liable but has charged off the business account against me personally and entered me into the XXXX, This has caused stress and financial harm to me personally.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 after the consumer was denied a deletion resolution from said ( person ) corporation. The consumer decided to indulge herself more with understanding the Fair Credit Reporting Act. 

15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this sub-chapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

Also while consumer was doing further investigation to become more knowledgeable in the Fair Credit Reporting Act. There is an exclusion in this code that clearly says according to congress that transactions is excluded from my consumer report, that is a matter between the consumer and the corporation and therefore it should not be in consumer report because transactions are excluded.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX  Date Opened XX/XX/2016 Balance {$0.00}
Product: Debt collection

I C Systems has engaged in harassment by continuously reporting the same debt to at least the credit bureau, XXXX. The debt was reported four times in less than 30 days. This was an effort to pressure me into paying them and obliterate any creditworthiness I may have had. The debt is in the amount of {$9800.00} ; the original creditor is XXXX XXXX XXXX. By repeatedly reporting the debt back to back my credit rating was destroyed. This tactic was intentional and deliberate. 

The debt was reported on XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019. It is common knowledge among debt collectors that if a consumer disputes a debt this too may also lower their credit score. I C System Inc. abused the credit reporting system by not only using XXXX   reporting to harass me, but also continuously report the debt in hopes I would dispute the debt as well. Since I received notification of the derogatory entry on my credit report, I have not claimed ownership of this debt ; however I C System continued to practice unethical debt collection practices via credit bureau reporting ( harassment ). 

Prior to the debt appearing on my credit report, I never received any notifications from either the debt collector or the original debtor so that I could dispute the debt.
Product: Debt collection

Jefferson Capital Systems is repeatedly trying to collect a debt that it can not validate as mine.
Product: Debt collection

XXXX XXXX XXXX is contacting me despite the absence of any contract. I have received numerous phone calls and letters, including threats of legal action. This matter was previously resolved by XXXXXXXX XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

I dispute transaction ref # XXXX, XXXX and XXXX, and then bank of america provide claim ID # 's XXXX, XXXX, and XXXX. The purchase was from XXXX and the transaction amounts were {$74.00}, XXXX and {$460.00}. The transaction were disputed because the shipment not being received. I tried to go to the company and ask for a refund however, was denied because the shipment said delivered. However, I did not receive the shipment. Upon reviewing the track number no proof of deliver was provide that had my signature or a signature of anyone I authorize to pick up the shipment. I proceed to dispute the amount with Bank Of America and a credit was issued for the amount. On XX/XX/2017 the credits were reversed for no reason or follow up. The merchant has not provide evidence nor have I received evidence showing I received the package. I respectful ask for a credit to be issue and a refund out to the merchant account.
Product: Mortgage

I was in foreclosure the only option the lender told me I had was to do loss mitigation. I started that on XX/XX/2022 and they just kept dragging it and dragging it until I got a sale date. I dont think that that was fair to me and my kids. I was out of work for covid and wasnt able to pay anything. Every little bit I received I had to pay other bills as lights and water. So now they sold my house and my lender brought it and I have no options and no idea what to do except me and my kids be on the street. That lender is Cardinal Financial
Product: Bank account or service

My wife and I believe that we are victims of unfair and deceptive banking practices. We now have documented proof that Chase Bank has been issuing pending ATM credits into our bank accounts which makes our balances appear larger than what they really are. Then, Chase Bank will takes the credit away causing our accounts to overdraft. This practice has been going on for several years and has resulted in us paying over {$10000.00} in overdraft fees. The center of our frustration comes from the fact that when we call to inquire about the ATM credits, the bank has no record of the transaction.
Product: Checking or savings account

On XX/XX/XXXX, Citibank closed my bank account without any explanation. Previously, I added my name onto XXXX of my brother 's citibank accounts, which resulted in his accounts being closed too. I went to a Citibank branch near me and asked about it. The banker called the back office for us and was referred to the fraud department. We were told to vertify all checks deposited on XX/XX/XXXX or wait for XXXX days and the account will be closed automactically and my money will be mailed back to me. We waited a month and my bother 's money were mailed back in early XXXX of XXXX. However, my money was no where to be seen. We contacted citibank again and was told that we need to vertify the checks in order for our money to be returned. As a result, we went to every single maker of the checks and begged them to call the citibank fraud number to vertify the checks. We spent XXXX days driving and visiting the makers to make sure they call in. We called XXXX department and was told that everything was vertified and that we just need to wait for processing. After a week, we called in again and was told that we need to vertify all the checks. We explained that we already did, but everyone we get told us there is nothing they can do. We went to a citibank branch again and was told by a banker that the money should be mailed to us XXXX. When XXXX  came, the same banker told us to wait until XXXX. XXXX  came and was told that it XXXX take up to XXXX weeks. We listened and check our mail everyday multiple times. XXXX weeks past and still nothing. As a result, we went back to the branch and was told that the money is with the XXXX branch and that we need to go to them and speak with the branch XXXX. At this point, we no longer trust any banker and called the fraud departnent number directly and was told to wait and the check will be mailed to us soon. We end up calling everyday and everyone keep telling us to wait until next week or couple more days. Now the XXXX department told us to wait XXXX business days. This is very unethical. Citibank closed our bank accounts without any explanation and kept lying to me left and right ; providing misinformation. I told Citibank that I need my money, but they do not care at all. $ XXXX of my money is being withhold for over XXXX  months without anyone knowing that is happening to my money. I demand Citibank to release my money right away and compensate me for the financial and emotional damages done by stealing my money.
Product: Credit card or prepaid card

I opened an American Express Credit card for my business and made a {$40000.00} purchase the first month ( XXXX, 2017 ). I am supposed to get one point in the Memberships Rewards Program for every purchase made. These XXXX points were never credited. I checked today, to use the points to get airline tickets, and noted the lack. The company refused to instate the points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around on or a bout   XX/XX/XXXX , I received a phone call from a collection representative by   XXXX   XXXX  , he advised me he was calling from FCO - Fair Collections & Outsourcing Inc. about a debt with  XXXX  (  XXXX  )   XXXX   XXXX  . I advised him that I never lived at the residence he was speaking about and stated that this was fraud. After the call, I checked my credit report only to see that a judgment had been entered against me on XX/XX/XXXX  in the amount of {$2300.00}, in  XXXX  District Court. I called back immediately, and spoke with another representative, in which, I provided him with this information as well as the reference number   XXXX   XXXX  . A few days ago, I received a credit alert upon checking, it shows that this company has put this on my credit report with the dollar amount of {$4000.00} and the account was supposedly, opened on  XX/XX/XXXX .
I called again on XX/XX/XXXX , and spoke with   XXXX   XXXX    again, once again, I provided him with the same information and asked him why they put this on my credit report and the amount and opening date of this account is wrong. I asked him how can you put an account on a person credit report with wrong information. He said that I need to fill out some paperwork and I did n't so therefore, they had the right to do so. The paperwork is about fraud because, I told him that this account was n't mines. I am still trying to get this matter straightened out. However, I want them to remove this account from my credit report since, it is already showing the account has a judgment. I want to know how, they can change the amount from the judgment entered by the same company. Please investigate this company!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have contacted all three credit reporting agencies and put them on notice of identity that taken place on my Social Security number. Ive also sent them a copy of a police report and also a FTC report this account still reporting on Experian and XXXX. Ive been going back-and-forth for the last year.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a purchase at XXXX  XXXX for the amount of XXXX. The agreement I signed was for 48 months no interest with equal payments. In XXXX of XXXX, BrandSource which is the card that was opened for the credit charges me XXXX in interest, applied 32 % interest and stated I only had 12 months no interest. I called and submitted my original documents sent to me by XXXX that stated 48 months no interest. They have since lowered the credit limit, reported to all three credit bureaus, and refuse to accept my documents or correct their error. My credit has been negatively affected and no one will help me. It seems that this is fraudulent billing practices for this purchase.