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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights . 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX XXXX XXXX  reported this payment as late. This is incorrect I have never been late on any of my accounts this you can verify .... 
This company has gone out of business and is not being ethical with its customers. 
This has damaged my credit ... and I want it off my record.
Product: Debt collection

This company used two different numbers to call me from one for a student loan and an auto loan which neither are late or delinquent on. But this company insisted that they would seize my car and arrest me at my home or where I work if I did not comply with them. I asked them for proof and they said I already had the proof. That is when they hung up. They still continue to call me. I block the number but they just call me from another number. This is so crazy. I could see if I wasn't paying my bills but I am. The two numbers are XXXX.
Product: Debt collection

So on all my credit reports knights adjustment breu is trying to collect a debt that was cleared from insurance through XXXX XXXX XXXX XXXX and has taken fund from me with notification to me and destroyed my credit and have several things that I have never seen before and don't owe this I believe my parents used ssn with out my knowledge and is effecting my life dramatically and I don't know what to do
Product: Mortgage

My original mortgage with Wells Fargo Bank # XXXX was sold to a company called XXXX XXXX XXXX XXXX XXXX as of XXXX of XXXX. I had automatic payments set with Wells Fargo and all payments were made and I have never been late. I never received any notification from the new mortgage processing owner. On XX/XX/XXXX I finally received a statement adding 'FEES ' to my mortgage monthly payment of XXXX, which they claimed are fees owed to them. 
I contacted the company multiple times via telephone, without any resolution. They do not have a website to see your mortgage or payments. I continued to submit my monthly mortgage payment via check because this incompetent company of loser does not offer web based payments, so it is like the XXXX 's where you have a mail a check to California. I have made my monthly payments and yet I keep getting a statement for XXXX without any explanation. The few people which answer phones are rude, ignorant and careless. They said Wells Fargo just recently credited my accounts but they have not made any adjustments for those fake 'FEES '. I am raising this complaint and will move forward with litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries : Date : XX/XX/XXXX Credit Name : XXXX XXXX NA Disputed numerous times Date : XX/XX/XXXX Creditor Name XXXX XXXX XXXX Disputed numerous times Date : XX/XX/XXXX XXXX XXXX  Disputed numerous times XX/XX/XXXX XXXX Disputed numerous times XX/XX/XXXX XXXXXXXX  Disputed numerous times XX/XX/XXXX XXXX XXXX Disputed numerous times
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Florida XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX PA XXXX Subject : Request for Reinvestigation and Correction of Credit Report Information Dear Transunion, I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S.C. 1681i - Procedures in case of disputed accuracy, and 15 U.S.C. 1681e ( b ) - Compliance procedures to ensure maximum possible accuracy of the information. I recently reviewed my credit report and would like to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : Name of Account and Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX I request that you verify the accuracy and completeness of every piece of information related to these accounts. If any information is found to be inaccurate, I ask that it be removed from my credit report. In accordance with 15 U.S.C. 1681i, if you are unable to verify the accuracy of the information within 30 days, I request that the account be removed from my credit report. Furthermore, under 15 U.S.C.

1681e ( b ), I request that you ensure that all procedures followed to include this information were reasonable and guaranteed maximum accuracy.

To reinforce my request, I cite the case Cushman v. TransUnion Corp. ( 1997 ), in which the court held that credit bureaus have a duty to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information in their credit report. This precedent establishes that the bureau can not merely rely on the verification provided by the information source but must take additional steps to ensure that the information is accurate. 
It is crucial that this matter be resolved promptly, as inaccurate information on my credit report can have detrimental effects on my financial situation and my ability to access credit fairly. In accordance with XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), the credit bureau must complete the reinvestigation of the disputed information within 30 days of receiving this request. I also request a copy of all documentation used in the reinvestigation and any additional information related to the process. 
Thank you for your attention to this matter, and I look forward to receiving a positive response within the legally mandated timeframe. 
Sincerely, XXXX XXXX
Product: Mortgage

For the third year in a row, my mortgage company, Loancare, is trying to forceplace me into an unnecessary insurance policy. ( see attached letter from loancare ) They have been sued in the past for illegally forceplacing unsuspecting consumers into unnecessary, high cost insurance plans and then taking kickbacks in return. ( see attached documentation on lawsuit ) My homeowner 's association sent them a copy of the updated master insurance policy ( see attached ) which is more than sufficient coverage for a 2 bedroom condo. 

I also faxed them copies of this on XX/XX/2020 ( see attached ) and mailed them copies ( see attached proof that they received the documents on XX/XX/2020 ) and uploaded the information to their website on XX/XX/2020. 

Still, I have yet to receive a response from them. It seems they do this every year and I'm not sure how they are still allowed to operate this way. ( As an aside, I did not choose Loancare to handle my mortgage. Based on the terrible reviews I have seen all over the internet, I would never choose such a company-my loan was, to my horror, sold to them after I purchased my condo. )
Product: Credit reporting

My credit union, XXXX, reported late for XX/XX/XXXX 2014. I contacted them and they said they 're not reporting late to the credit reporting agencies. I disputed it with the CRA 's and received a letter from XXXX stating I was not late. I sent in that letter to Transunion ( to be specific ). My credit report was updated to show no lates. A XXXX months later it showed up late again, I disputed it again- it was deleted. I checked my credit this month and it 's showing up late again. I called Transunion to get it straitened out and they are trying to get me to dispute it which will take me another XXXX days- I refused. I 'm filing a complaint because my credit should not be harmed for all these XXXX because they keep letter something pop up late on my report which was proven, at least XXXX it was never late.
Product: Debt collection

I have been receiving phone calls from this company stating that if I do not return their call by end of day they will have no choice but to file suit against me. They have also been calling my family leaving the same messages. I have no idea what this is for. I have disputed the debt and requested copies of any signed contracts or bills to validate this is truly my debt and I have received nothing. They did respond to XXXX  and say it's a valid debt but have provided me with zero proof. It has been years since I have had any balances owed to anyone as I paid everything off. Before calling someone and leaving messages stating you are going to file suit day after day which clearly there was no intent it would make sense to send some sort of communication proving the debt is valid.
Product: Credit reporting or other personal consumer reports

I sent a dispute in regarding inaccurate and incomplete information on my account : XXXX XXXX XXXX XXXXXXXX and it has been over 30 days since they received my correspondence and you have not responded. 
This notice/correspondence was sent certified mail green return receipt : XXXX XXXX XXXX XXXX XXXX XXXX 
Information that can not be verified must be deleted. 
when disputed information can not be verified is to delete that information. In particular, Section 1681i outlines consumer reporting agencies responsibilities in responding to consumers disputes and, like Section 1681s-2 ( b ), provides that when a disputed item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency must delete or modify it as appropriate, based on the results of the reinvestigation. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Section 1681i goes on to provide that, [ f ] ollowing any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified, the consumer reporting agency must in some circumstances notify certain people who previously received a report with the now-deleted information. That provision thus contemplates that when information can no longer be verified, the proper response is to delet [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I filed complaint XXXX-XXXX  about Citibank with the Consumer Financial Protection Bureau. Citibank received the complaint and removed the credit card information from my credit report. I have attached a letter from Citibank that states they removed the credit card information from my credit report. When I reviewed my credit report on XX/XX/XXXX, the credit card information was removed by Citibank. However, Citibank did not remove the hard inquiries on my credit report. The hard inquiries was on my XXXX  credit report. I want Citibank to remove the hard inquiries from my credit report with all credit report agencies. Moreover, the banker that checked my credit said she was only making one inquiry. This banker deceived me as a consumer and was deliberately practicing deceptive behavior. 
The reason the credit card information was removed from my credit report is because Citibank gave me false balance transfer fee information before checking my credit. I only let Citibank check my credit because they shared a balance transfer fee that was lower than the actual fee when I received the credit card. As a result, the hard inquiries should be removed from my credit report as well.
Product: Credit reporting or other personal consumer reports

I have asked experian multiple times in writing with proper identification and supporting information provide me information about how they are calculating my credit for. My credit score with experience is almost XXXX points less than XXXX and XXXX. The same information is XXXX both of my credit reports they all mirror each other. Experian has my credit report in the XXXX when with XXXX and XXXX it is almost XXXX. There is no collection differences there is no information that is different on my credit cards everything is exactly the same. I even signed up for boost with experience and they have all my information and yet they never update accordingly. I want you to know how it's calculated and I want the calculation to reflect what is required by law. I feel I am being discriminated against because I am a XXXX XXXX and my XXXX XXXX XXXXXXXX XXXX. They are also retaliating against me because of the complaints that I have filed with them.
Product: Credit card or prepaid card

I have been a Bank of America ( B of A ) credit card holder for almost 20 years. Each month, for those many years, my credit card minimum amount due has been paid - automatically - from my checking account with a different bank, and I have not had any problems until approximately 3 months ago. 
At that time, I received notice that my account was " past-due '', and I was going to be assessed late fees of approximately {$27.00} - all the while assuming my account would be paid the minimum amount due, automatically, as it had been for years. I contacted B of A customer support - multiple times - to get this straightened out, and was eventually told that their previous auto-pay setup was via a program called " XXXX '', and that was ( or had just been ) phased-out, and replaced with a different B of A system. I was then told that their " new '' payment process did not allow the setting up of monthly " minimum payment due '' amounts - only the full balance due, or some pre-set " fixed amount '' payment could be made. 
The impact of that decision ( for myself and other similar B of A customers ) is that if I were to setup a fixed amount of, say, {$100.00}, and then in the course of the next month, added additional charges to the account, the minimum amount due would then increase above that {$100.00} fixed amount, and I would then be, again, delinquent, and get assessed late payment fees, etc., for not paying the revised and increased, minimum amount. 
After multiple calls to Credit Card Customer Service at B of A, I am being told that their " new '' system does not allow the setting up of monthly " minimum payments due '' - which is unlike every other major bank with which I have a credit card relationship. If this is happening to ME, I have a strong feeling other B of A credit card account holders who had setup their accounts for autopay of the minimum amount due under the previous XXXX system, are being charged fraudulent missed payment / late payment fees - without ever being notified of the system being changed, no notice of the impact of those changes, and now having NO option to make automatic minimum payment due amounts ... resulting in many B of A credit card customers being charged bank penalty fees. 
I would like the CFPB to contact B of A 's credit card department for an explanation of why no minimum payment option is available, evidence of how they supposedly notified their cardholders of the changes, and the financial impact to their cardholders. I would imagine these additional penalty/late fees have had an impact to B of A 's bottom line.
Product: Checking or savings account

On XX/XX/XXXX, I made XXXX transactions. For {$5.00} and {$6.00} then on XX/XX/XXXX a final transaction for {$2.00}, totaling {$14.00}. 

These were goods that were supposed to be delivered to me. Specifically XXXX in a wholesale pallet, and I had come to find out through a sample delivery that they were fake. I filed a police report right away and talked to my bank and they stated to wait. I waited and I end up filling a claim last week of XXXX. It was denied and I filed another claim in XXXX after filing a XXXX case and that was denied aswell. After that I had requested information on why it was denied and what information was used to determine that. Ive had to ask multiple times and never got that information. 

I was a student at the time and still am which prevented me from digging into the matter more as my time was already taken. I had recently filed a claim ( XX/XX/XXXX ) and a day later and claim is denied. 

The bank is refusing to reverse a fraudulent transaction after multiple attempts. 

The police is still investigating as the city of XXXX doesnt have a personal property detective to investigate, but we do have a name of the individual who scammed me out of my money. There is XXXX people involved who made accounts at credit unions at XXXX locations across the country while residing in XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.XXXX XXXX XXXX {$7200.00} XXXX XXXX XXXX {$10000.00} XXXX   XXXX XXXX {$5000.00} XXXX XXXX {$5500.00} XXXX XXXX XXXX {$1700.00} US DEP ED XXXX {$31000.00}
Product: Credit card

I was charged XXXX by mistake from XXXX XXXX XXXX XXXX, an XXXX  only company with no US support. Every time I call they state they will, but no one seems to issue a refund. It takes hours of my life and I am always told they will get back to me but never do nor issue the credit. 
This has been since XXXX. 
I submitted a prior request, but it is very confusing, since the charges were credited back all separately and the one in question shows one name on the charge and a different one on the credit. 
Chase was looking at the wrong amount/charge, which WAS credited back, not the one I was complaining about. 
What a headache. Hopefully I attached the correct printout to show the issue. 
The card started with a XXXX balance, yet still shows {$850.00} due when it should be back to a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the account listed below. I believe it was reporting in error. 

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

XXXX  ; Experian and XXXX should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached for reference. ) These multiple inquiries are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score. Please remove these inquiries from my report. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. And the multiple name spellings.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I have a XXXX account that was paid in full and it shows negative as well. 
XXXX bill And multiple ( 10 ) name spelling addresses XXXX XXXX  XXXX XXXX, XXXX, ny XXXX XXXX XXXX XXXX XXXX XXXX, nj