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

Applied for credit with XXXX and was told that I had to lift credit freeze with Transunion. Freeze due to past employer disclosing personal information. 
Attempted to sign into Transunion and was told that authorization code was emailed, but it was never received. Email address is correct and I have received emails from Transunion in the past. Called Transunion at XXXX and XXXX, and was not given option to speak to a representative. When I input my data in their automated system, the data was not read correctly ; my ss # has three repeated digits and their touch tone system only reads two of those. They now locked my account, because they could not verify all of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts in question : DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX Thank you for responding to my previous complaint through the CFPB Complaint Portal. In your response, you have somehow come to the conclusion that I indicated inaccuracies reporting on my credit file and the inaccuracies have been verified by the furnisher.

Upon further investigation of the accounts reporting on my credit report, I have found several inaccuracies in the payment history, balance updated date, and status not matching with XXXX which will be attached. I have submitted the same complaint to XXXX and they removed the accounts from my report because of the inaccuracies. This has given me the consumer more reasonable cause to believe that this information is inaccurate and 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.

At this time, I am requesting to have the late payments be removed indefinitely from my credit report and I would like an updated copy of my credit report sent to the address above once the late payments have been removed. I eagerly await your response!
Product: Payday loan, title loan, personal loan, or advance loan

Therw were charges for non relervant services
Product: Payday loan, title loan, or personal loan

I paid off this loan at least a year ago and I was looking at my credit but noticed this loan had a balance which it shouldnt I log in to my account it says I have a balance due now when before it said nothing was due. I paid them over 8k and paid on time and paid off the loan. I called them and asked them where this new balance came from. They claim it was from me extending one of the payments during my loan period. My question is why did it take a year to all of a sudden pop up on my account when I paid off the loan. And furthermore I have not received a single piece of correspondence from them saying I owed anything not a phone all or email or a letter. Something is not right with this. Seems very shady I asked them to waive the fees due to how this was handled and they really dropped the ball they were rude about it and are refusing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted information to credit bureau 's regarding information on my account. I have not received any update regarding the investigation. It has been well beyond 30 days.
Product: Debt collection

On multiple occasions, starting on XX/XX/year>, I have written to Midland Credit Management requesting verification of an alleged debt. I have written them numerous times and they have failed to respond. 

Midland Credit Management Account Numbers XXXX Alleged Amounts XXXX, XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filled a dispute in regard to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results. They are in violation of 15 USC 1681a ( 2 ) ( b ). As you may know, this law prohibits or excludes any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. As a result of the credit reporting agencies not abiding by the laws that empower the consumer, I have been constantly denied credit. Thank you for your manners in addressing my dire situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to get my creditors to report the correct Personal Information as : Name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that one account still on my credit report was incorrect when I reviewed it. Validate the account that still reporting misleadingly to my file XXXX XXXX XXXX  XXXX Balance : {$8900.00}
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 accounts that are unverifiable in my credit file. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 

Here are the aforementioned accounts : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$260000.00}
Product: Mortgage

While dealing with my refinance with Rocket mortgage, my loan was closed on XX/XX/21 on the refinance which I was told the amount paid off this mortgage of {$180000.00}. and the automatic payment would be stopped. 

and on XXXX the balances show 's paid in full, and RM still automaticly took my XXXX payment on the same day. 

I called to explain this to several representives, and was told the money would not be refunded to me until the middle of the month. 

This is unacteptable, to have to wait this long to be refuned moneys that was taken in error, and that was not due to RM. 

I want to make a formal complaint because so many of the RM reps gave me different informtion and as of today I still have not been refunded the payment that was taken in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complain again for you to notify about the fraudulent items that are still reporting on my credit file. It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. The following items should be deleted right away : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern : I have the right to contest any information on my credit report that I believe is inaccurate, per the Fair Credit Reporting Act. The data included in it must be documented and validated before it is shown to anyone else, because if not, then there will just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately. 
Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. 
This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently from my report. If you do not take action and comply with my request, I will have no choice but take legal action against you!
Product: Checking or savings account

After I filed a claim about U.S.Bank did not pay welcome bonus even though my account was opened and funded by the XXXX XX/XX/2022, they responded to say that the promotion is targeted, attaching a pdf fine print including a " added disclosure '' just good enough to exempt them from paying bonus. I attached a current fine print they have on their website right now without that statement. I read the fine print before I applied on XXXX XX/XX/2022 and was sure that I did not see this statement, in the case it was written obviously and in a such whole separate line. I was convinced that this pdf file is edited recently with purpose. One more thing is that when I applied, I input all the information, if my profile does not match with your intended customer, the code should not be applicable, as all other targeted promotion have been processed. 
Last but not least, as U.S.Bank did not refuse my proof of opening date and is trying to play another game, I was convinced that U.S.Bank should recognize that my account opening date is on XXXX XX/XX/2022, not breaking the promtion deadline.
Product: Credit card or prepaid card

I canceled a Barclays JetBlue card I was not using as I no longer wanted to pay the annual fee. AFTER the card had been canceled, Barclays still processed a payment from my bank account for the amount of the annual fee. I have contacted Barclays multiple times to rectify this and they still have not returned the funds they collected from me incorrectly. The total is {$99.00} against a card that has been canceled for 2 months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found proof of non-compliance in accordance to the XXXX and XXXX XXXX format method. 

XXXX XXXX XXXX  XXXX  Account ID : XXXX I have exhausted all my options to resolve this matter and am now demanding that the account be deleted from my credit report because it is invalid and unverifiable. 
If there is no proof of debt and no verifiable information, then the information may not be reported to the credit bureaus nor reported under the Fair Credit Reporting Act. The incorrect account information on my credit report can not be verified, so it must be deleted from my credit report or you will be in violation of the FCRA. 

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of XXXX updates ). 

It is very urgent that you please investigate and resolve as this is destructive to my character and is obstructing my capability to obtain loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to report an issue that I have encountered with my credit report. On XX/XX/ 2022, I requested more information regarding errors that I found on my credit report from your company. Instead of providing me with the requested information, the item was simply deleted and replaced on the clock. 

I believe that this action is illegal as it essentially reset the clock on the item and prevented me from obtaining the necessary information to correct the errors on my report. I am writing to request that the company involved provide me with the necessary information to correct the errors on my credit report. 

If this issue is not resolved, I will be forced to escalate this matter to the Attorney General 's office. I urge your company to take swift action to address this issue and provide me with the necessary information to correct the errors on my credit report. 

Thank you for your attention to this matter. 

Sincerely,
Product: Checking or savings account

I am a victim of a scam. I filed a police report and am attempting to help the police catch the people involved. 
I reported the fraudulent charges to Citibank and faxed the report to them as instructed. The bank denied the fraud and said there was nothing I could do about it. This was over the phone and the call was recorded.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPLAINT FOR : Citibank Na, XXXX XXXX  XXXX, XXXX XXXX SD XXXX Phone : ( XXXX ) XXXX An inquiry has been made at a XXXX store in the town of XXXX, XXXX XXXX without prior authorization. We had seen a sign informing us that we could take articles " without credit check '' what is known as " leasing ''. The employee took the data and strategically inquired using the social security numbers of my wife and mine. That is against the law and it has been reviewed in XXXX  's credit reports. We ordered the elimination of this inquiry as we understand there was " trickery and deception '' of the XXXX employee who attended us, we await your prompt attention. Thank you. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX Phone : XXXX SS : XXXX Email : XXXX Inquiry details XXXX Inquiry from XX/XX/XXXX - Complete Dept. Stores This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 


XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX Phone : XXXX SS : XXXX Email : XXXX Inquiry details XXXX/XXXX Inquiry from XX/XX/XXXX - Complete Dept. Stores This inquiry could stay on your report untilXX/XX/XXXX 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 

** In addition there are no important data such as address, telephone, institution information, data that are extremely important in these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an account and multiple inquiries on my credit report I do not Recognize
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction 's.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than record of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

This is the follow up complaint. 
I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report XXXX XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There seems to be inaccurate, unverified accounts on my credit report. I simply requested some proof of verification of these accounts. Not only did I not receive any proof, I was told that I did not submit enough information about my dispute. I was told that I did not state my reason. In my letters, I am specifically stating the reasons why and simply requested to obtain the documentation that the bureaus should have on file. I know that the accounts are inaccurate and unverified. I also did not receive a timely response within 30 days. I never received the documentation that I initially requested. This is also the second letter that I have sent out and it has been 30 days without a response.
Product: Vehicle loan or lease

My car was paid off XX/XX/2020, as of today XX/XX/2020, I have not received my car title. I called Kia XX/XX/2020, at that time I was told they still have the title and will get it processed ASAP. When I called today, I was told they have not done anything with it and am now getting the runaround.
Product: Checking or savings account

This is to let you know of our terrible experience with Chase bank in our recent scamming occurrence. As a small business owner, we placed our hard earned money in their bank under the assumption that it is safe and secure. However, we didn't realize that their banking system is so insecure and corrupt. We take all safety precautions with our computer and banking. Somehow, beyond our control, we became the victims of software scammers who scammed us out of XXXX dollars in one day!! The whole scam could have been prevented had Chase bank simply alerted us to the suspicious activity and calls they were receiving for over a week before -which we only found out later. We were locked out of our bank account a few times the week before the scam, but when we called to find out why, they did not tell us anything, and merely reopened the account. Unfortunately, they did not try contacting us once, and even when we finally did get through, with much difficulty, to speak to someone, they did not even let us know that there was any suspicious activity going on. On our own, we figured out that someone put a XXXX wire transfer from our account, and when we told the bank about this just a few hours after it was done, they said that they can not get the money back, although it said " pending '' on the website. We were told that someone recently changed the cell phone number that was used to verify transactions. They also informed us that the caller gave an incorrect phone verification code, but was still able to pass inspection by answering some questions such as our previous address etc. We were assured that we would get the money back since it was fraudulent. We naively believed them, and patiently waited for the money to be returned. Any time we called the bank, we were told that it can take up to 10 days for the money to show up. The bank did not contact us even once to give us any assistance or to ask us any questions about the scam. We called numerous times and went down to the bank many times, but no one was able to give us any information at all. The tellers would just call the fraud line and were not given any information at all. When we went down to the bank for the fourth time to find out any more information, the teller casually mentioned to us that the fraud claim was denied and closed!!! 
We spent two hours at the bank calling numerous departments, getting transferred back and forth between the " back office '', technical team, and the fraud department just trying to speak to someone who could explain why the claim was denied!! 
Finally, we were told that since there were no failed login attempts and the scammers were able to answer all the security questions, it " must be '' that we ALLOWED them to scam us out of XXXX dollars!!! They then " opened '' and " closed '' a second claim in one hour, and informed us that we only have 3 opportunities to open a claim!
Product: Credit reporting, credit repair services, or other personal consumer reports

i was never late for payement with XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX wild XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Today 's Date XX/XX/XXXX DOB- XX/XX/XXXX SSN- XXXX ( FTC XXXX ) - XXXX Experian Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject XXXX Identity Theft Dispute under FCRA 605B To Whom It May Concern, I am writing to formally dispute fraudulent information on my credit report under the Fair Credit Reporting Act ( FCRA ) 605B, due to identity theft. Between the year XXXX very important documents that verified my immigration status were lost. Included in those documents were my XXXX XXXX, Social Security, XXXX  ID, and files that noted down any important detail about my life. It took me a very long time to replace most of those documents. I decided for the first time to create an account on these credit bureaus and have seen that there is a lot of false information attached to my credit profile. I truly believe these accounts were opened by a 3rd party who found my lost information but never turned them in.

As an immigrant I was unaware of how easy it was for people to steal your identity. I am hoping for the best results regarding the following accounts below.

The accounts listed below do not belong to me and were fraudulently opened using my personal information.

I have attached a copy of my Identity Theft Report, as well as supporting documents, including a government-issued ID and proof of address. Pursuant to 605B of the FCRA, I request that you immediately block the fraudulent information from my credit report and take the necessary steps to prevent it from being reinserted in the future. 


The fraudulent accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 demand that these accounts be blocked from my credit report immediately and that any and all inquiries related to these fraudulent accounts be removed as well.

Under 605B ( c ) of the FCRA, you are required to block the fraudulent information within four business days of receipt of this valid identity theft report. Failure to comply will result in further legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and potential legal recourse. 

Please send me written confirmation that these accounts have been blocked and removed from my credit report within the required time frame. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX