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

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX  XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX  XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00}
Product: Checking or savings account

I have tried numerous times to close my account. The phone representatives tell me they will send a request to close the account, but it doesn't get closed and I get charged a $ XXXX monthly fee. Today, XX/XX/23, I attempted to call to have it closed and told the representative I would be filing a CFPB complaint if it wasn't closed. They reviewed the account and saw that the last request for closure was made on XX/XX/23. He said it hasn't been closed and after researching told me I had to email a branch manager that I would allow them to remove XXXX from my account so that they could close it. They said, otherwise, they won't be able to close it for a year, but would still charge me the $ XXXX monthly fee every month. I attempted to email the branch manager that the representative told me to email : XXXX. The email immediately " bounced '' back, the server response was : XXXX Remote Server returned XXXX XXXX RESOLVER.ADR.RecipientNotFound ; Recipient not found by SMTP address lookup ' All I want is to close my account, and I have spent several hours trying to do so. There is only XXXX reason to make it this difficult to close an account- the bank wants to continue charging monthly fees.
Product: Credit reporting or other personal consumer reports

Per my Consumer law rights. I mailed a certified Notarized letter on XXXX, XXXX, to the President XXXX XXXX XXXX . The letter was never replied to, ( over 60 days ago ). 
I would like to have a detailed and investigated reply to the reason this legal dispute was not either removed from all credit reports the NFCU reports, or properly blocked on my credit reports. That's to ensure no further damage to my financial utilization reporting. 

2nd reason Is I will be addressing your company in court for over XXXX XXXX if this attached 1099-C that was sent to me from NFCU. so I filed XXXX taxes reporting this debt as income and paid taxes on the whole amount reported. 
This is fraudulent reporting!!
Product: Debt collection

Had a XXXX XXXX XXXX XX/XX/2022. I WAS covered by insurance. The hospital did not charge the insurance agency and instead charged me directly. I had no idea about this debt until it appeared on my credit report. The company A R Resources NEVER contacted me notifying me of the debt. They also reported the date of first Delinquency is the day I was XXXX XXXX  inside the hospital not 30 days late. This collection in itself is fraudulent. Please remove this a report company for malpractice. Seeking possible litigation if not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed an investigation request to XXXX, Experian, and XXXX XXXX. The bureaus are supposed to conduct an investigation and respond within 30 days. As of today, neither of the bureaus have responded, and more than 30 days have passed.
Product: Credit card or prepaid card

Never applied for Target credit card. I was told that it was applied in my name. Somehow this person have my address, birthday, ssn and even my license info. But I never received this card. I called and was told to do this.
Product: Debt collection

XXXX XXXX XXXX of XXXX submitted a debt to collections that was paid by my insurance company. I spoke to my health insurance company and confirmed check # XXXX was sent to XXXX XXXX XXXX on XXXX/XXXX/15 and cashed on XXXX/XXXX/15. I spoke a representative name XXXX with Ability Recovery Services in XXXX and explained the situation. She stated there is nothing she can do that XXXX XXXX XXXX has to close out the account. I spent two weeks attempting to reach a representative with XXXX and each time I called I received a voicemail with a recording stating the mailbox is full. I called back to Ability Recovery Service and spoke with XXXX who stated there is nothing she can do and that the account has to be closed by Advance Urgent Care. I advised her that is unacceptable and that she needed to do something about this. I told her that this is account is reporting on my credit and therefore affecting me in obtaining licensing needed for work. She said she " does not need to do anything '' and that she is " getting paid either way ''. I asked for her manager and she said " no '' she would only transfer me to the voicemail. I told her I will hold to speak with a manager. She said " that is not how it works '' and blind transferred me to the voicemail of XXXX XXXX. I left a voicemail message for XXXX XXXX the " manager '' and have not received a response at all.
Product: Mortgage

Within 3 months, I received 3 different annual escrow statements instructing me to pay 3 different mortgage amounts On the XXXX of XX/XX/2021, I received an annual Escrow disclosure statement, informing me that my payment will increase to {$2000.00}, beginning on XX/XX/2021 Then on the XXXX of XX/XX/2021, I received another annual Escrow disclosure statement, informing me that my payment will increase to {$2000.00}, beginning on XX/XX/2021 Then again on the XXXX of XX/XX/2021, same year, I received a third annual Escrow disclosure statement, informing me that my payment will increase to {$2100.00}, beginning again on XX/XX/2021 Has it become a tri-annual Escrow disclosure statements?
Product: Student loan

After being on hold for XXXX hours and XXXX minutes today, from approximately XXXX to XXXX XXXX  I was finally transferred to a supervisor. Unfortunately, I did not get that supervisor 's name ; however, she was incredibly rude and condescending. After explaining the situation to her, she would not let me clarify further, kept interrupting me, and then interrupted me by putting me on hold. The call was then disconnected without her ever having done anything to help.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX- Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ) .I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim XXXX XXXX XXXX  of Debt XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts.
Product: Debt collection

The following Account is in violation of the FCRA. 
Account name : SANTANDER CONSUMER USA This account is in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) The creditor reporting this inaccurate account failed to notate this account was in dispute within 30 days. 
In accordance with the fair credit reporting at XXXXXXXX  account, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

We both work. We are XXXX. We have XXXX payments to have kids, student loans and mortgage AND never miss a payment. Often over pay. 

We go to pay our mortgage and its only allowed to pay principle if anything less then a full payment. Or told use a credit card. Yet we do not use a credit card. We are ahead on principle. We two times a month on pay day pay on the payment. 

But those are not full payments so its deemed ONLY allowed to pay principle. So we are late and thus in violation. 

A penny less then full mortgage cant go in but only to principle. 

Utter XXXX XXXX here you cant pay as you get paid towards your monthly due. Utter utter insanity.
Product: Checking or savings account

Bank of America continually charges me maintenance fees despite having no reason to.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XX/XX/XXXX  I have contacted  GM Financial to ask th em to remove the reporting of a vehicle that was repossessed and charged off in  XX/XX/XXXX . They are still reporting this vehicle as open and being late. It is showing up on my credit report that it has been late, has a past due amount and that I am being late on these payments each month. It is my understanding that  a 7 yr c lock starts on the last payment you made and no one is allowed to " re-age '' the item to start the clock over. GM is still reporting that this charged off account has a balance and is still being reported as late even though the charge off was 11 years ago. I have done a dispute with the credit bureaus, but they state that their is nothing that they can do to help me. I am trying to buy a home and this is negatively impacting my credit. I do n't understand how long this company can keep reporting this negatively on my credit report for this long. It looks like this just happened and I am currently late on these payments. This vehicle was repossessed due to the death of my death daughter and having to bury her and then losing my job 3 days later. I was not able to make the payments and could not catch up with the payments due to the unforeseen circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX, and Capital One have refused to remove these credit inquiries from my reports. I did not apply for credit with Capital One as reported on my credit reports. The requests are fraudulent and impacting my credit, making finding housing as aXXXX XXXX XXXX veteran  very difficult.
Product: Checking or savings account

In early XXXX, I applied to open an account with Chime. After filling out my application and providing the requested information, I downloaded the app. After trying to log into the app and website, I reached out to Chime on XX/XX/XXXX, to let them know I was unable to log in. By this time, I had not received any welcome or other emails from Chime. The same day, I received a response from Chime stating that they were unable to independently verify my information, and my application failed. Ultimately, my " enrollment attempt was declined. '' I started receiving emails from Chime on XX/XX/XXXX, about my new account. For the rest of XXXX, I received various marketing and other emails. However, I didn't receive any snail mail from Chime ( letters, debit cards, etc. ) On at least one occasion, I emailed Chime to let them know that I did not have an account with them and requested to be removed from their marketing mailing list. I never received a response from Chime. 

I didn't receive any emails in XXXX or the majority of XXXX. 

On XX/XX/XXXX, I received another email from Chime concerning changes to their privacy notice. I again emailed Chime, letting them know that I did not have an account with them, and requested that I be removed from their mailing list. I received a response on the same day, informing me, " Chime has closed the account in question per your request to prevent further unauthorized activity. '' I responded by stating that I didn't make that request as I didn't have an account and shared a screenshot of the email I received in XX/XX/XXXX stating that my enrollment attempt was declined. 

I was sent the same email several times until I requested information indicating I reapplied after XX/XX/XXXX, had my application approved, and was given an account number. After this request, I received an email stating that if I wish to " receive additional information regarding this account and transaction records we request that you provide the following : Confirmation of the last 4 digits of your SSN AND Proof of your ID theft claim, which may be a police report or a completed FTC report ( available at https : //www.identitytheft.gov ). '' I have no reason to believe that anyone other than Chime used my ID to open an account without my knowledge or consent after my initial application failed. Failure of Chime to even provide my account number to the email address they have associated with my " account '' also raises my suspicions about what occurred and their business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to all three credit bureaus regarding items on my credit report. I just checked my credit score and it has dropped my credit score by XXXX points or more. The justification for the change is bogus. This is retaliation for the disputed letters I sent to them regarding information on my credit report and not notifying me of their investigation. All three credit bureaus deliberately acted against my personal credit account. My payment history has been the same and what they are doing is affecting me to purchase a vehicle. They should not be able to do this to consumers. I made a prior discrimination complaint against XXXX for XXXX disparities for their credit reporting practices against minorities. My credit score dropped then too.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are reporting inaccurately on my credit report and are in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably 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 on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX  CARD SERVICES # XXXX, XXXX DEPARTMENT STORE # XXXX, XXXX # XXXX, 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

On XX/XX/2023 I sent letters to Experian, XXXX, XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX ( balance showing {$7700.00} ), DEPTEDXXXX # XXXX ( balance showing {$22000.00} ) XXXX # XXXX, XXXX XXXX  # XXXX However they stated everything was complete and accurate. But how is that possible if the date opened, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

15 USC 1681 section 602a states I have the right to privacy.

15 USC 1681 section 604a section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

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

15 USC 1681s-2 ( A ) ( 1 ) - 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.

Also they are not in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit card

Closed complaint XXXX was used to complain about my complaint by APPLE CARD XXXX The response the credit card used in complaint XXXX was from complaint XXXX. It is a typical lackadaisical credit card service trick along with representative silence so the customer gives up on calling, constant departmental switching which is what complaint XXXX was about and the length at which a credit card company will go to distance themselves from a financial service company, including pretending that they are not a Mastercard over XXXX XXXX I pay taxes for in " service charges '' so that computer oligarchy can waste space-literally by sending so many satellites in space that space is already polluted on my tax XXXX  and my former home XXXX XXXX is unlivable due to tech management ideals. In other words the cfpb only needs to focus on the fact that virtual coin and credit only intensify illegal XXXX XXXX  inequality and bait and switch responses to finance regulation by using technology no one truly understands in government today. I am asking the cfpb to ask Goldman Sachs to response to XXXX not the older complaint which is the same problem -- -GS APPLEPAY using a defunct bankrupt bank and full well knowing that I paid a month earlier from an account which was not defunct -- -the payment went through two months prior and they claim that I did not change accounts or worse-claim that I don't know how to A ) understand my XXXX XXXX ) Don't understand credit cards -- -ha -- good luck on that -- -I understand all too well on both counts. Can the cfpb follow up on XXXX? Thanks PS no representative contacted me -- -- -and that's a fact XXXX for complaint XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XX/XX/2023, XXXX  XX/XX/year>, EQUIFAX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX MORTGAGE XX/XX/2023 XXXX XXXX XX/XX/2023 & EQUIFAX MORTGAGE XXXX  XX/XX/2023XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card

Around XX/XX/year>, XXXX XXXX XXXX placed a debit collection on my credit report ( which they shouldn't have ). AFTER REMOVEING IT. EQUIFAX DID SOMETHING to making my credit score go down and all my loan amounts on my cards were lowered. 

EQUIFAX is trying not to address the issue of the wrong EQUIFAX has done by trying to put it on XXXX XXXX is not reporting the negative on my credit report ( that has been long removed before EQUIFAX did whatever EQUFIAX DID to bring down my credit score and limits on my credit cards ). 

XXXX XXXX is only being mentioned because it was right after when EQUIHFAX PUT WHATEVER EQUFIAX PUT ON MY CREDIT REPOURT THAT MADE MY CREDIT SCORE AND LIMITS GET LOWERED.
Product: Money transfer, virtual currency, or money service

Random money was being sent to another source multiple times without my own doing. I tried disputing with bank and they couldnt do anything about it. One sent was XXXX and another sent was XXXX XXXX. This was back early last year. and i had to remove a card so it wouldnt happend again.
Product: Debt collection

This company has tried to charge me services for a visitation that Ive never been to. I have never set up an appointment, made contact with this office, or had any relations involving this institution whatsoever. This is fraud and absurd how someone could randomly start charging me for something I have never received or have been serviced. Fix this issue please!!!!
Product: Credit reporting

Transunion is denying that they have a credit report for me, and/or refusing to provide me with a free copy of which I am entitled to per the Fair Credit Reporting Act.
Product: Credit reporting

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. I have been requesting verification of the following accounts that Experian continues to report on my credit file : Bankruptcy Case ID # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. 

I also contacted the courthouse in XXXX NC and spoke with a court clerk. She stated they do not furnish information to credit bureaus by mail, electronically, or by any other means. I am waiting verification from the clerk of court with supporting documents. 
Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. 
I demand that this public record Bankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of verification date! XXXX agents assured me that Experian so-called " verification '' on XX/XX/2017 WAS NOT REPORTED BY THEM BECAUSE MY XXXX CONSUMBER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. Along with my other accounts. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Experian has yet to verify. Experian informed me that they where not going to reinvestigate this information again unlessI send additional relevant information. I have also updated my name numerous times. It is now reporting wrong which is not being factual. 
Thank you