23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have been a victim of XXXX data breach and my personal information was stolen and used to open these accounts. I have contacted XXXX to investigate these accounts for months and they have done nothing about it! These are the name of the accounts XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX  XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Vehicle deemed total loss on XX/XX/XXXX due to an accident no fault of mine. Insurance check mailed to Chase Bank on XX/XX/XXXX. They documented in their system received XX/XX/XXXX and was told they had to hold check for XXXX business days due to the amount. On the 10th business day XX/XX/XXXX, I called to inquire on status and they promised they would get approved and mailed in 48 hours. I have called every other day since XX/XX/XXXX and have been getting the runaround about why it hasn't been mailed yet. Every day someone says they are escalating and sending overnight and as of today ( XX/XX/XXXX ), they are still saying they are working on it. 

Please advise if additional information is needed.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

Secti

on 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX  I had spoke with my credit bureau and they explained that it was a hard inquire from capital one on my credit report from XXXX. I contacted capital one on XX/XX/2022 to resolve the issue and also explained that I do see the inquiry. They keep telling me theres nothing in they system but yet its on my credit report and its affecting me.
Product: Checking or savings account

I reported fraud activity on XX/XX/XXXX and notifying them i was scammed and unintentionally allowed an individual access to my account via the Chase mobile app. They deposited a bad check which I though was a deposit they put in my account so I sent them {$250.00} on cash app like they requested. I later noticed numerous reversals on my account and at that time I changed my password to the Chase mobile app and the notified Chase of the unauthorized reversals. I'm very surprised Chase didn't notify me when all those reversals came up because that seems that would have been very suspicious. The only thing I'm guilty of is mismanaging my funds and spent the money that was kept in my accounts from those reversals ultimately having a significant negative balance. They heald my XXXX direct deposit for XXXX business days before letting in go into my XXXX account. I still don't have access to my account which is need for bill. There's a positive balance of around {$380.00} that i can't use to pay essential bills and being a XXXX patient my ssdi is my main source for living expenses. My other account is currently in the negative but I told them that I will deposit enough funds to fix that by the end of the month. So now all my accounts a frozen, excepts for deposits which doesn't seem legal and I'm getting treated like I'm the one committing fraud. I have told them I have documentation ( phone numbers, emails, etc ) from those scammers on XX/XX/XXXX but they don't want to listen. Can Chase bank hold my XXXX direct deposit for that many days and not allow me access to the funds that are still in that account. Doesn't seem ethical or legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus. I got a letter stating : " They do not provide information to the credit reporting agencies or bureaus. '' So if that's the case, how did the credit bureaus verify an alleged bankruptcy as 100 % Accurate. They never did a fair investigation according to the XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX ( XXXX ) ( XXXX ) states : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under XXXX XXXX XXXX. 

According to XXXX XXXX XXXX section XXXX A states : I have the right to privacy. 

According to XXXX XXXX XXXX section XXXX A Section XXXX states : A consumer reporting agency can not furnish an account without my written instructions. 

According to XXXX XXXX XXXX ( A ) ( XXXX ) states : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, The account is in deferment until XX/XX/2026, but the credit bureaus : Experian and XXXX keep reporting it back as open. I would like this to be properly reported as deferred and not open. Thank you. I have included the deferment letter.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ) regarding several accounts on my credit report. Despite disputing these accounts over 60 days ago and requesting proper validation, TransUnion has failed to verify or validate the accounts within the legally required 30-day period. This ongoing failure to comply with the FCRA has caused harm to my credit profile, financial opportunities, and emotional well-being. 

Accounts in Question XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Numbers : XXXX XXXX XXXX Account Numbers : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Specific Violations Failure to Investigate Disputes within 30 Days Violation : FCRA 611 ( a ) ( 1 ) ( A ) mandates that credit reporting agencies complete investigations within 30 days of receiving a dispute. TransUnion has failed to verify or validate these accounts within this period. 
Impact : This has resulted in continued inaccurate reporting, damaging my credit score and limiting my access to credit.

Failure to Delete Unverified Accounts Violation : FCRA 611 ( a ) ( 5 ) ( A ) requires credit reporting agencies to delete disputed items if they can not be verified within 30 days. Despite failing to provide validation, TransUnion continues to report these accounts. 
Impact : These inaccuracies remain on my credit report, harming my creditworthiness and financial standing. 
Failure to Ensure Accurate Reporting Violation : FCRA 607 ( b ) mandates that credit reporting agencies ensure maximum possible accuracy. By continuing to report these accounts without verification, TransUnion is not fulfilling this obligation. 
Impact : Inaccurate and misleading information has led to financial losses and emotional distress.
Product: Mortgage

I have a mortgage loan and a related escrow account with First United Bank. I requested that they close the escrow and send me the balance. I told them I can pay the insurance and taxes directly. They told me I would have to pay a fee of 0.025 % of the unpaid balance to close the escrow. For me that would be a fee of roughly {$230.00}. I asked them to waive the fee since this escrow closure fee was never disclosed to me during the loan process. They declined and I asked to speak to a manger and they declined to provide a manager for me to speak to. This fee is unethical, outrageous, illegal and not usual or customary. I have had several mortgage loans over the year and have never paid a fee to close a related escrow. Additionally I was not given the option to waive the escrow account when the mortgage was underwritten.
Product: Credit reporting or other personal consumer reports

On XX/XX/, I called XXXX XXXX to ask them what date did my grace period end due to a temporary financial hardship that was ending. My payments had not been late and I was calling to discuss when I could pay before their grace period ended. They told me XX/XX/XXXX was the last day. Payment was made on XX/XX/XXXX, yet late payment still showed up on XX/XX/XXXX.
Product: Debt collection

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer, natural person and original creditor sent Capital One a debt validation letter and a cease and desist letter. Both documents were sent onXX/XX/XXXXand received on XX/XX/XXXX. Capital One responded with a request to receive information from me on this alleged debt and stating they can't take action on my request to validate the alleged debt until I send them the information they are requesting. However Capital One continues to send me statements in the mail stating I owe this alleged debt that they obviously can not validate. It doesn't make sense to me that they are sending me statements in the mail telling me to pay something that they can not validate. Capital One has failed to report that this alleged debt is being disputed pursuant to 15 USC 1692g ( b ). Capital One continues to try to collect on the disputed debt and has not cease to communicate with me. Capital One has harmed myself and credit report and file by housing unverified and unvalidated debt on my consumer report and for that they are civilly liable to pay me for damages.
Product: Credit reporting

see attachmentthere are numerous errors and Experian has refuse to send information per my letter. Experian delays process over and over again. I need the information I requested.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Complaint Contents : This CFPB complaint has been submitted to request that Transunion XXXX the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). The following information is deceptive, inaccurate, and false : FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Still XXXX XXXX XXXXXXXX XXXX XXXXXXXX Fraudulent inquiries encompass the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX. 

Accounts that are fraudulent include : XXXX XXXX XXXX XXXX acct # XXXX Opened XX/XX/XXXX XXXX XXXX  acct # XXXX XXXX Account number XXXX. Established on XX/XX/XXXX. 
XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Opening date : XX/XX/XXXX XXXX XXXX  account number : XXXX XXXX XXXX  account number XXXX was opened on XX/XX/XXXX. XXXX XXXX account number XXXX was opened on XX/XX/XXXX. Commenced operations on XX/XX/XXXX. 


These accounts have led to the appearance of numerous fraudulent collections, inquiries, and accounts on my consumer FICO credit report. I have included a list of the ACCOUNTS/ADDRESSES/INQUIRIES in question, as well as a copy of the consumer FICO credit report that you maintain, which displays the aforementioned fraudulent items. I am unable to identify the accounts, inquiries, and collections that were previously mentioned. I did not open, make, or initiate the accounts, collections, or inquiries that are listed on my consumer credit report, which is maintained by you. Identity theft and fraud are the causes of all of the aforementioned accounts, collections, and inquiries. I have included a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as evidence from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I got an email from Experian saying i had made changes to my account, which I had not. I then proceeded to get a text that I was now enrolled into their smart money account which I did not do either. I tried contacting them through phone and could not get in touch with a live representative no matter which buttons I clicked. I then proceeded to try to get in touch with them over email. I was told I needed to either fax or email a copy of my social security card, license, and a bank statement that had my address on it. Since this is the second time in a month someone has tried to open an account in my name I obviously do not feel comfortable sending these personal documents through the mail or through fax. I have no way now of changing the email back to what it was before and they also refuse to shut down my account without sending these private documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX  XXXX XXXX - XX/XX/2017 - UNAUTHORIZED INQUIRY 2. XXXX XXXX XXXX - XX/XX/2017 - UNAUTHORIZED INQUIRY 3. XXXX   XXXX XXXX - XX/XX/2017 - UNAUTHORIZED INQUIRY
Product: Credit reporting, credit repair services, or other personal consumer reports

This investigation is for the IMPROPER USE OF MY CREDIT REPORT AND VIOLATION OF MY RIGHTS TO PRIVACY. 

The credit bureau TRANSUNION stated my account was properly investigated and verified. This was not an verification based investigation. This investigation is for the IMPROPER USE OF MY CREDIT REPORT AND VIOLATION OF MY RIGHTS TO PRIVACY I reached out to Transunion because according to federal guidelines 15 U.S. Code 1681 I have the right to privacy and requested that they removed the account # XXXX from XXXX  XXXX XXXX XXXX from my credit report in the amount of {$360.00}.

I contacted Transunion multiple times with the final time being today XX/XX/2022 The law states " ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy '' My right to privacy has been violated and I have reached out to this company.

The law also states under 15 U.S. Code 1681b A Section 2 ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I've never gave written consent for this account to furnish my credit report and Transunion is not doing a proper investigation on my credit report being used improperly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially disputed XXXX account # XXXX with Experian on XX/XX/2022 however the company didn't complete the investigation within 30 as outlined by the FCRA. The above referenced investigation is XXXX. The company did not respond until XX/XX/2022 which is nearly 60 days later. This account has never been paid late and should be removed from my consumer report at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove any address I am not currently living at and any jobs I am not working at.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Student loan

I do not wish to file a complaint, but I had a question on the reporting/deletion process. there was no other way for me to submit my question online. 

I am currently working with a consumer advocate at Navient trying to get an old paid/settled loan deleted from my credit report. this loan was paid off in a settlement back in 2015. in the past, Navient has deleted old account, that have been closed/transferred for more than 24 months. I submitted a request to have a " goodwill '' deletion of my old paid off account as it was holding up the process of me buying a house. my consumer advocate stated that the Fair credit reporting act prohibits them from deleting the account at their discretion. I was advised to dispute the account with the reporting agencies in hopes of them deleting it. I forwarded them a letter they had sent to someone else granting them the deletion of an old closed account that was transferred to another lender after 24 months of being closed. I questioned the difference between a transferred and a paid account, at which they could not provide me with an answer. either way, the account is satisfied with Navient, and the same at least 24 months had passed. Why could the account not be deleted? The only answer I got was the FCRA forbids them from deleting this. I found this hard to believe. I asked them to mention what section forbids them from doing so. they can not provide the answer, they advised they will have their legal team look into it. I have had success from other banks and lenders on deleting accounts at their discretion. do you know of any parts of the FCRA that prohibits Navient from making the judgement to delete an old, paid off account?
Product: Bank account or service

PNC Bank re-ordered my transactions to charge XXXX fees, instead of XXXX. This has happened more than once to me recently and it caused a downward spiral of my finances for weeks. I was able to get refunds on some, but it took hours on the phone while at my job. In the print-outs attached, the XXXX transaction is what made my account negative. The XX/XX/XXXX fee refund was for the XX/XX/XXXX fee. The XX/XX/XXXX fee was caused by the XX/XX/XXXX XXXX transaction. So why the XX/XX/XXXX fee? The bank 's explanation is that the XX/XX/XXXX fee was caused by check XXXX on XX/XX/XXXX. That check pended for XXXX days and cleared before the XXXX transaction was pending. After the check cleared, the balance in the account was {$1.00}. I saw this happen and that scenario is refected on the print-outs. However, the bank took the XXXX transaction XXXX, according to bank personnel and the explanation attached to the XXXX, which I could not print. So that caused XXXX fees, the XX/XX/XXXX fee and the XX/XX/XXXX fee. I was able to get a refund on the XX/XX/XXXX fee. This should be illegal and this agency should be stopping this.
Product: Credit reporting

I rented my house out and the people that rented it put me down as the owner but I never signed a papers and when the renters moved out they owed XXXX and the alarm called me and wanted me to pay it.
Product: Credit reporting or other personal consumer reports

I sent a request to XXXX to update my Legal Name Change, mailing address, and to remove personal information I did not consent to sharing in my credit profile to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy reporting that was discharged in 2019. 
I have spoke with the courts and they told me they do not report to the credit agencies. 
I have contacted the credit agencies and requested a deletion showing a letter the court gave me. I have attached the same copy. 

I have been working very hard on my credit over the years and I am trying to refinance my car and one day buy a home. Please help me in removing this negative judgement from my report. 

Thank you