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

The credit bureaus keep disrespecting the laws. I have sent letters asking them to provide documents proving the debt is mine and have not received a response or proof. Ive shown them multiple times how they are violating the Fair Credit Reporting Act. This is holding me back from purchasing a home for my family.

According to 15 USC 1681i ( 5 ), the credit bureaus must modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ), the credit bureaus do not have written permission.

According to 15 USC 1681, I have the right to privacy.

According to 15 USC 1681s-2, 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on! 

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. 

Equifax XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX has violated my rights. 


The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted complaint to Lexis Nexis XX/XX/XXXX because it is reporting Public Record information that it purchased from XXXX, a system of record used by the bankruptcy court. On XX/XX/XXXX, it provided a letter stating the information was " verified '' because it the information still shows in XXXX. Lexis Nexis has failed to contact the originator of the information to verify the information. XXXX  is not the originator of the information, the Court of Record is. Lexis Nexis continues to violate my rights protected under The Privacy Act of XXXX and the Fair Credit Reporting Act.by reporting inaccurate and derogatory information about consumers, failing to maintain policies to ensure the accuracy of the information they report and failing to properly investigate disputes.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : 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 entries on my credit report is the result of identity theft and should be blocked. 

I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent INQUIRIES I that are not associated with me. All agency both via fax and through Certified mail. 
In addition, I request the immediate removal or the following fraudulent INQUIRIES FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

In the last days of XX/XX/XXXX, the application process began, where an approximate installation date was set in XXXX. Due to the delay in the process, it was when I asked Mosaic to stop and cancel the credit for the installation of the solar panels, they told me that it was impossible because the company had already done the necessary studies for the installation of the solar panels, if I decided to initiate the cancellation process, I would have to pay for the studies done a value between {$5.00} - {$6.00}. I decided not to cancel for fear of adding more debt to my home, also because the company did not give me a solution to stop the process. 
Also the person who sold me the solar panels, told me that after the installation and review, we would have 3 months to make the payment. now the full installation day ended on XX/XX/XXXX, where they was told that the city would have to review the installation and give the approval for the system to start working. Therefore, the system today, XX/XX/XXXX, is not working and the company sent me my first invoice to pay on XX/XX/XXXX, without even having a working system and with lying marketing.
Product: Checking or savings account

Wells Fargo bank decided, on their own, to convert our Simple Business Checking account to a Federal Agency Account. This happened on XX/XX/2018. We noticed this change with the following month 's statement. We called Wells Fargo and verified that we were not a government agency and confirmed with Wells Fargo that we were not eligible for this type of account. They stated that they would switch it back, but it may not show up on the statements until a month later. We waited two months and it still hasn't changed. On XX/XX/2018, we went to a Wells Fargo Branch, they claimed that they could change the account but as of XX/XX/2018 this hasn't been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Product: Credit reporting or other personal consumer reports

I am formally submitting a follow up complaint regarding the fraudulent items currently affecting my credit reports. As a consumer protected by the Fair Credit Reporting Act ( FCRA ), I assert my right to accurate and timely credit information, and I insist on the preservation of these rights. The ongoing presence of these XXXX  items on my credit reports is unacceptable, and their immediate removal is imperative. I hereby request the swift removal of the following inquiries from my credit report without further delay : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I must emphasize that under the FCRA, credit bureaus are obliged to investigate and respond to consumer disputes within 30 days. Accordingly, I demand written confirmation of the removal of the fraudulent items from my credit file within XXXX business days. Failure to address this matter promptly will compel me to pursue legal action against your organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was a victim of identity fraud I have multiple addresses aliases and fraudulent information on my three credit bureaus these addresses or validated addresses Thur Accounts open by fraudulent actors.
Product: Credit card

I applied for a brand new TD Bank Credit Card I am now told I must go into a local branch which I do not have enough time in the day to do so .....
Product: Credit card or prepaid card

I have a Citicard. I had a deferred interest promotion which expired on XX/XX/XXXX. Before my deferred interest promotion expired, I also obtained a flex loan from the same credit card. The deferred interest was 0 % and the flex loan at 5.99 %. 

Under 12 CFR Part 1026 ( Regulation Z ), XXXX XXXX. i. states : ( i ) Last two billing cycles. The card issuer must allocate any amount paid by the consumer in excess of the required minimum periodic payment consistent with paragraph ( a ) of this section, except that, during the two billing cycles immediately preceding expiration of the specified period, the excess amount must be allocated first to the balance subject to the deferred interest or similar program and any remaining portion allocated to any other balances consistent with paragraph ( a ) of this section I attempted to pay off my deferred interest balance in XX/XX/XXXX and again in XX/XX/XXXX, prior to the expiration date of my deferred interest balance XX/XX/XXXX. Citi allocated the minimum to my deferred interest balance 0 % and the rest to my flex loan 5.99 %. They told me that they had to make the payment to the flex loan per federal regulation that requires the extra payments go to the higher interest rate. Clearly, they are not following section b of the reg cited above. Addtionally, prior to my payment in XXXX, I reached out to Citi via the chat feature to make sure that my payment would be applied with the minimum to the flex loan ( 5.99 % ) and the extra to the deferred interest balance. The Citi chat person told me that is how it would be applied. Additionally, when making the payment online, I clicked the payment option stating " pay Adjusted New Balance plus Flex Plan Monthly Payment '' which was the exact total of my remaining deferred interest balance plus the minimum payment of the flex loan. Clearaly, any reasonable person would assume by checking this box their payment would be allocated per the stated payment option! 

The result is that I am now stuck paying the 22.49 % interest rate on the remaining deferred interest balance that I attempted to pay off twice! My interest is now higher every month. This is clearly unreasonable and it does not follow 1026.53 b.

I hope that you will look into this and rectify it. Clearly section 1026.53 b. was drafted becasue of this exact situation. A consumer should not be forced to pay interest on a deferred balance when they've attempted to pay it off more than once. 

Thank you for your time.
Product: Checking or savings account

On XX/XX/2020, I deposited {$350.00} into my account and immediately my account got locked. I made contact with the financial institution and they refused to unlock the account and for 9months I've been trying to get my {$350.00} returned to me and they will not return my funds. They claim it'll be returned back to me via check, but they never send anything.
Product: Payday loan, title loan, or personal loan

The loan is for {$6000.00} the interest rate is I believe over 139 % apr. I received my first statement and made my payment via my checking on time. It is a monthly payment of {$380.00}. I need clarification on the date and final payoff amount. I was having issues with not being employed due to XXXX XXXX and actually lost a member of my family. I feel as if I was being taken advantage of during a very emotional time. Any advice would be helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : You are breaking multiple laws in regard to my consumer report.

The following correspondence is not a request for validation or verification in any way. It is a demand for you to follow the laws that the U.S. Congress has set forth.
Product: Payday loan, title loan, or personal loan

The interest amount of a {$570.00} loan was over 500 %. I ended up paying over {$3600.00} for a year payback amount.I need to know if this interest amount is legal
Product: Bank account or service

I open a Merrill Lynch investment account a few years back. They recently closed my account because a check was deposited in error. The day prior to them closing my account, I made a deposit at the ATM for {$60.00}. Upon closing the account, they sent me a check for {$.00}!!!!!! The is the second time in 2016 where they have stolen from me!!!! A few months prior, they stole {$150.00} from me and refused to return it! They mentioned it had something to do with fees, however when I asked if they could provide me a copy of the fee schedule, as it was never disclosed upon opening the account, they could not the fee schedule!!!! This is because it simply does not exist!!! Please help me mitigate this situation. Thank you.!
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of XXXX XXXX. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an ftc report as I was instructed to by Experian. I have sent in this report but these fraudulent items still remain.
Product: Credit card or prepaid card

On XX/XX/XXXX i was notified by bluebird that there was an ATM withdrawal in the amount of XXXX in Florida. I filed the dispute and showed proof that was at work in TN when this happened and my claim was still denied I called back and was told to provide a police report which i did and my vlaim was denied. I sent an email per American Express as the card is through them and never received a response back. When i called today because my claim was denied again they XXXX with badge number XXXX advised me to contact the ATM or nank but could not give me the name of the bank or a number to contact. I believ my card was clonned while using it at the mall. I am not aure what else to do. He was able to give me an address of XXXX XXXX XXXX XXXX in XXXX Florida.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against transunion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectity a violation regarding the reinsertion of previously deleted material into my credit report. I sent a letter to transunion notifying them of the reinsertion of the XXXX XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). 
Despite waiting for 35 days atter sending the letter, transunion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. Transunion actions have caused signiticant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with transunion they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Mortgage

HelloI am trying to payoff my mortgage with a company Mr Cooper(a/c XXXX)Should be a simple process but not with Mtr CooperFirst of all, they only let you pay up to 90% of the principal using it's web site, so only was able to pay $XXXX   online on XX/XX/2019.On XX/XX/XXXX I requested a payoff amount , while charged $XXXX  expedited fees.The payoff  amount I received was incorrect as Mr Cooper fail to apply my $XXXXtowards my principal even though it should be same day payments.For the rest of my unpaid balance onXX/XX/2019 I sent a wire from my checking account at XXXX XXXX XXXX   bank for $3,710.00.Mr Cooper never applied this wire towards my unpaid balance, they used escrow funds to payoff my mortgage so the $XXXX I wired on XX/XX/XXXX are still missing as of today, XX/XX/2019, despite several phone calls and messages I sent through MrCooper web site.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my Equifax Credit Report and I have a split/duplicated credit profile and one is XXXX XXXX XXXX and two is XXXX XXXX and they need to be merge together and Equifax refused to do so and it damaged my credit score and it went down to XXXX points and I ask Equifax several times to merge my credit profile together and they wont do it and it need to be merge
Product: Debt collection

On XXXX/XXXX/2017 at XXXX we received an automated call ( XXXX ) asking for a call back to XXXX. A call back was placed to MRS Associates and I stated to the operator that we have asked multiple times for calls to stop being placed to us. The operator very politely tried to go through our main numbers and stated that our main numbers have been blocked. Because the system does not allow for forwarding to the main number, a narrowing of what number is being used is impossible, as we have several numbers that forward to our main number if not answered.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue cause my credit to take a dive with XX/XX/2019transactions. I could not understand why my score was so low. I just paid of a home through a sell. AmeriHome is causing my stress and grief with purchasing a place to live. They reported incorrect information of 30 and 60 day late payment for the month of XXXX was not received. I provided the proof they needed and my credit file has jet to be corrected. Last status is its being worked. I have not received any notification of the process. I missed only the month of XXXX, and paid what I though was XXXX on time but was for XXXX all cleared up in XXXX. I continue to suffer having received 30 day late in XX/XX/2019. I've since contacted my banking institution and provided the transaction trace number for them to verify and correct my account and Credit ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried 4 times to get the credit bureaus to remove accounts that are in violation of my rights and I have yet to get 1 reply from any of the 3 Bureaus and the accounts remain on my credit report. The accounts are collections and they either are reporting the account as an " open account '' have listed a past due amount as well as they are reporting me late 120 days. These are all FCRA violations to be doing any of these things on a collection account and they refuse to remove them or even reply to my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

An unknown account, XXXX XXXX is currently reporting on my Experian credit report which does not belong to me. The account also was reporting on my XXXX account which I disputed and deleted from my report. Experian has not provided me with any mechanisms or procedures in their investigation.
Product: Credit reporting or other personal consumer reports

I send dispute to the bureaus and I reacieve email from them saying I'm hired credit repair company for my dispute letters. Plese review and check the accounts below : OPEN LATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

Inaccurate information and reporting accounts : XXXX XXXX XXXX XXXX XXXXXXXX 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

XXXX, XXXX, and Transunion have done nothing to assist me with the identity theft, fraudulent loan in my name, or to bother correcting personal information on my credit report. In XX/XX/XXXX I was called at work by a credit card company to confirm I was trying to make a purchase over 50 miles away. I declined the purchase, contacted XXXX XXXX and then tried to file a complaint with the XXXX XXXX Sheriff 's Department. The deputy was rude and threw the paperwork at me. I have filled it out and sent it to at least one of the credit reporting companies only to have it stay on my report and I am still denied access due to the wrong phone numbers and addresses being on my report. I have never lived in Florida or Oklahoma and yet there are phone numbers for both and one address - all of which are wrong. I also do NOT have two Social Security numbers and yet they are claiming I do. I am not able to access a credit report and last received one after threatening to seek legal counsel yet again from XXXX. 

A creditor is also claiming I took out a loan in XX/XX/XXXX when in fact no loan shows up on my credit report nor did I take out a loan. All three of the credit reporting companies have failed repeatedly to bother correcting the wrong personal information as well as incorrect financial information. 

I have sent in reports and personal information to identify myself frepeatedly and see no point in doing so again since I have been repeatedly denied my rights as a U.S. citizen under the Fair Credit Reporting Act. My records have been inaccurate and I have been denied the correction due to me by this act as well as by applicable laws. I will not be paying incompetent corporations that make money off of selling my personal information in disgusting acts where I was never asked for permission {$10.00} or more for a credit freeze that a criminal can just take off. Due to the hacking and gross negligence of XXXX I do not feel comfortable handing these corporations any more of my personal information since they have proven they are incapable of safeguarding it, let alone keeping an accurate record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.