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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the accounts listed IMMEDIATELY! 
XXXX Accounts as followed Account Name-XXXX XXXX XXXXXXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name- XXXX XXXXe Account # XXXX Account Name- XXXX XXXX Account # XXXX Account Name- XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX Account # XXXX Account Name- XXXX XXXX Account XXXX XXXX
Product: Mortgage

We are trying to get a partial land release from chase bank we sent them payment and appraisal fees 3 months ago, we have missed 3 closing dates and they are very vague in responses to us we cant get anything resolved. We have sent them all they asked for twice and they still want to say we are incomplete yet they wont explain why. This is very frustrating we need to resolve this issue ASAP it has been a great burden to deal with these people.
Product: Credit reporting or other personal consumer reports

please take note that I continue to unequivocally dispute the remaining items that have yet to be deleted. 

These accounts are inaccurate and incomplete. They are having a MAJOR NEGATIVE IMPACT on me being able obtain credit right now and that is not acceptable.

As provided for under the Fair Credit Reporting Act ( " FCRA '' ), consider this letter my request that you reinvestigate the following accounts and delete them from my credit report.

Creditor has failed to comply with 15 U.S. Code 1681 is part of the Fair Credit Reporting Act ( FCRA ) to the reporting agencies. Failure to provide fair and accurate credit reporting to the efficiency of the banking system and public confidence. The FCRA aims to ensure that consumer reporting agencies adopt reasonable procedures to meet the needs of commerce while being fair and equitable to consumers, particularly regarding the confidentiality, accuracy, relevancy, and proper use of consumer information. 


XXXXXXXX XXXX XXXXXXXX : XXXX The balance reported is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently wrote to XXXX XXXX, via certified mail, requesting the deletion of the following account : Account Number : XXXX, and I would like for you to have a copy of this document as well. ( See attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. XXXX XXXX  continues to falsely verify this account whenever I dispute this item with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. XXXX XXXX, has stated to all parties. -the Credit Reporting Agencies , The Consumer Finance Protection Bureau , and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete due to the unavailable data ''. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. XXXX XXXX  has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which I believe that XXXX XXXX  violated, -yet somehow, you still allowed them to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! At this point, I pose the question ; Is XXXX XXXX  above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond whether or not the account is verified or not ; it has become a compliance issue ; which XXXX XXXX  is seemingly willfully noncomplying. Furthermore, XXXX XXXX  continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see the attached document. I have enclosed the pdf version of my letter to XXXX XXXX, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which has been like this for a long time, yet, XXXX XXXX continues to falsely verify as accurate. This has to stop at once!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. Personally I feel like I'm being taken advantage of. Section 511 ( a ) it plainly states that failure to investigate these items within 30 days gives a reason to immeditately remove these items from my credit report but it has been over 60 days and they still havent replied so they should remove them promptly. I demand these accounts be deleted immediately or I will be forced to take action with the Federal Trade Commission. This has been truly stressful. My information was also impacted by the Equifax data breach and may have somehow gotten into the wrong hands. No matter what I need them to remove these inaccurate things from my credit report. It's ridiculous for them to have even taken this long to remove clearly inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to get a personal loan due to the fact that, XXXX XXXX sent some solicitations to obtain a personal loan. I received a few solicitations and I should pick the best one to use for my personal loan. Applying for the loan, a credit check would take place to check your status, A SOFT PULL that basically will not hurt your credit. All the companies stated the same message that is a soft pull and will not affect the credit. Doing that checking with a couple companies without giving any authorization for a HARD PULL. few companies ran my credit to compete for my business and it looks from my credit report, they have ran a hard pull inquires 13 times and this in turn dropped my credit by almost 80 points. Now I am trying to refinance and dropping my credit score to a point below the 600 score put me in a very awkward position. Now I never consented to a hard pull inquires and definitely not to 13 inquires. Please I need your help with this situation. This situation is ruining my chances to refinance and causing me a very distressful position. Thank you
Product: Credit card or prepaid card

On XX/XX/XXXX my credit was fraudulently ran without my permission or consent. I have been a victim of fraud and Identity Theft. On XX/XX/XXXX I signed up for XXXX XXXX because I have received several letters for credit that I had no knowledge of and to have a better understanding I needed to know what was reporting on my credit file. I immediately called the company phone number listed on the correspondence only to be transferred to and from numerous departments being left on hold and then the phone being disconnected but promised a transfer to someone who I can report this fraud. I am desperately seeking someone to help me with this matter because its obvious they will continue to ping pong with me because it isnt them and they probably could care less because the fraud is not happening to them and its not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to chase about this and they have asked me to contact credit reporting agencies / bureaus directly. The information reported on my credit report for missed payments in the year 2020 for chase freedom card ending in XXXX was inaccurately reported. I enrolled into chase 's covid-19 protection plan with the understanding that the account will not be reported. However, upon communication with them, it seems like the account was reported for late payments. 

The state of california has issued legislation on consumer credit protection. This information can be found on their official website : https : //covid19.ca.gov/get-financial-help/. I have verified with the state that my credit score would be protected and remain unchanged.

Their website clearly states that credit scores would not be impacted due to the impact of Covid-19. I request you restore my credit score back to XX/XX/XXXX or XX/XX/XXXX, before the pandemic was declared.
Product: Bank account or service

I filed a dispute on my debit card for not receiving items that I purchased with my debit card back on XXXX XXXX, 2015 with my bank and they assured me that they would have my money credited back to my account by XXXX XXXX, 2015 and they have yet applied the amount back to my account.
Product: Credit reporting

The student loans that are being reported ( XXXX ) are not late payments and should be removed. This bureau does not properly verify my credit report and whenever I called I could never speak with a representative. There are also multiple hard inquires that I did not authorize and are not associated with my account.
Product: Credit card or prepaid card

Syncrony Bank I was told someone would contact me within 30 days of a " ticket '' being submitted, that didn't happen. Have spoken to several Customer Service Agents to no avail, and two supervisors, also with no answers.

I have sent a letter by regular mail, it wasn't answered, sent the same letter a second time, registered, return receipt, still no answer.

Continued late fees all this time for paying early.

One month my payment didn't go through, and I didn't know it until very late in the month.

They still have not credited my {$100.00} payment paid early, and keep racking up {$40.00} late fees every month. 

I have docs to show
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my Credit Report : FINANCIAL DATA SYSTEMS XXXX
Product: Credit reporting or other personal consumer reports

" I am composing this letter to formally file a complaint about the inaccurate personal information that appears on my credit report. I discovered confidential information that does not belong to me while reviewing my credit report, including [ specific details such as an incorrect name, address, and Social Security number ]. I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies, as this erroneous information XXXX have a detrimental impact on my creditworthiness and financial standing. Your immediate attention to this matter is greatly valued, and I am in anticipation of a prompt resolution to guarantee the accuracy and integrity of my credit report. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. ''
Product: Credit reporting or other personal consumer reports

I purchased a car from XXXX XXXX in XXXX, CA XX/XX/XXXX. I financed my car through my bank XXXX XXXX. I purchased a XXXX XXXX XXXX, XXXX, my credit report was pulled same day XX/XX/XXXX from 7 different car loan agencies. On multiple occasions I have called and asked for a statement that my car was not in house financed and my car was purchased in full. However I have yet to receive any documentation on the information Ive requested. I am asking for all 7 inquiries to be removed within 30 days of XXXX XXXX not responding or giving the documentation I have asked for.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of fraudulent accounts and inquiries on my credit report as a result of identity theft. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request that these accounts and inquiries be removed from my credit file as they were opened or accessed without my authorization. 
The fraudulent accounts in question are : Accounts to be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I wanted to pay down a Bank of America credit card. I have had the card and other accounts for over 15 years. The total amount owed was XXXX. I called ( XX/XX/XXXX ) about settling the debt and they said ok and transferred me to 3 or 4 people. I realized they were closing the account and " settling '' and called back less than 15 minutes later ( XX/XX/XXXX ) and they said it was fine that I did not need to settle and no paperwork had been submitted. I made a {$9000.00} payment the next day. Then I received a letter that the account was closed so I called to am where I could see my remaining balance. The lady said she would send one out. Then yesterday I received a letter that said the credit agencies would receive a bad report on my behalf. I called and after an hour and a phone call back was told there was nothing that could be done. All I wanted to do was pay them the full amount owed. The settled amount was {$8300.00} and they took the {$9000.00} payment I made. I want to give them the remaining {$1300.00} so I wo n't be in financial ruin for the next 10 years. That 's all I wanted to do and they refuse. Please help me. I have a XXXX XXXX XXXX XXXX XXXX and both my wife and I have worked and paid our bills for 20 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XXXX XXXX denied me a Mortgage refinance and HELOC loan. XXXX XXXX said I have a Lien on my Property Title Report and that I needed to contact GMAC Mortgage to clear this matter XXXX XXXX also stated that it seems that since I have excellent credit that GMAC Mortgage must have left this in error. Since then I have tried contacting GMAC Mortgage they have many subsidiaries I found that these Banks that I filed complaints with OCWEN, XXXX XXXX  they have both said they do not have " servicing rights '' I also contacted XXXX XXXX XXXX XXXX who can see my information but can not help me. I pulled a Deed of Trust and Assignment of Rents from XXXX XXXX county recorders DOC # XXXX MIN XXXX. I have looked at MERS Service ID and the information says that my MIN XXXX servicer is XXXXMAC Mortgager LLC XXXX XXXX, PA I tried contacting does no exist, I called the phone number listed on MERS ( XXXX ) XXXX this number redirects me to OCWEN debt collecting service in which they deny having any " servicing rights '' again my MIN status is " Inactive ''. I'm asking for MERSCORP to " Discharge '' and clear this lien on my Property Title Report. I will provide all documents with this complaint.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Inquiry Name : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C. 1681b ( a ) ( 2 ) : States a consumer reporting agency can not furnish an account without my written instructions. 

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 records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s. 2 ( a ) ( 1 ) Section states : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

AMSHER COLLECTION SERVICES XXXX : {$240.00} ORIGINAL COLLECTOR : XXXX XXXX DATE OPENED : XX/XX/XXXX  My credit has been damaged due to a fraud account with the use of my name and personal information with a XXXX point drop. I am very upset. My name and social security number has been compromised through fraudulent activity with XXXX I called XXXX and spoke to XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX ) we both discovered that the account was fraudulent and not mines. She was made aware of my business account with XXXX in good standing. She took further action to call the 3rd party collection company Amsher Collection Services and let them know of the account not being mines and the fraudulent activity with XXXX She spoke to a representative and they made the decision to open a fraud claim because XXXX told her the account wasn't mines. The representative with Amsher Collection Services tried to refer us to the fraud department but was unable to get in touch with a representative in that department. She proceeded further to give XXXX the attorneys number who handles claims for fraud. When we called they stated they couldn't speak to the XXXX rep so XXXX hung up and I proceeded to tell them what happened and gave them my name and amount of the bill on my credit report stated above in the amount of {$240.00}. She stated there wasn't an account in my name nor in their database to open the case. 

Furthermore, I wasn't contacted or notified about this account via mail from XXXX or Amsher Collections Services before being placed on my credit. Nor do I have an account number to reference this account with these stated companies. My rights and identity have been compromised and violated without my permission. I would like this account to be removed from the 3 credit bureaus with an immediate recourse of action.
Product: Debt collection

Good afternoon, I have received notifications ; via phone on XXXX/XXXX/2015 @ XXXX your collection agency left a voicemail violating federal laws ( FDCPA ) I called back to see why are they disclosing information over a voicemail. 

When calling back @ XXXX I spoke with XXXX in XXXX XXXX, he started to give me my personal information like, address, last XXXX of social ( I did not he did, without even verifying who he was speaking with ) He then stated that I need to be transfer to XXXX XXXX, he then started to informed me that it was for JC penny and the amount I was due for. 

Again collecting and violating federal laws ( FDCPA ) he failed to mini-miranda me before disclosing the reason of the call. 

I then asked to speak with the supervisor ( XXXX XXXX ) to have my account closed out at a {$0.00} balance due to many federal laws being violated to the consumer.
Product: Credit reporting

I had an odd message appear on my screen after answering my security question required for my Transunion credit report. Here is the attatchment of what I received as a message. Which resulted in me being unable to see my credit report for Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was deleted in 2017. Now its appearing on my XXXXXXXX XXXX XXXX  The account shows {$5000.00}. It shows Im late on payments when the account has been closed for almost 5 years.
Product: Payday loan, title loan, or personal loan

I was approved for a loan from a finance company -- Sunlight Financial -- through a XXXX XXXX that installed the products on a duplex type property I own. I began paying after about 18 months and to date have made about 9-10 payments ... but NEVER, NOT ONCE, DID I RECEIVE ANY BILLING STATEMENTS!!! Now as I am doing through a Refinance of the loan on the property, I discover just now that I own about {$46000.00} when the beginning balance was {$46000.00}! I also discover that they have applied pratically ALL the payments I have made to INTEREST!!!!!! It seems ALL the billing statements they sent out went to an incorrect address and were RETURNED!!!! I requested a printout of ALL the statements be emailed to me. THey say they sent me several emails but I NEVER SAW ANY OF THESE EMAILS or else of course I would have responded. I'll bet if they had not received the payments theywould have CALLED and LEFT A MESSAGE!!!! They said they thought I understood they were applying most of payments to interest ... no matter I HAVE RIGHT TO RECEIVED MONTHLY BILLINGS ... that they could have may send by EMAIL!!!