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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request to Update Public XXXX XXXX XXXX Number Dear XXXX  Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Reached out to the company for them to provide the paperwork I requested but was told no they would not provide me with information but then was told by them to send a copy of my credit report to them
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

It says I owe Bank of America XXXX of a credit card that I had supposedly, I never opened a credit card account with them
Product: Mortgage

My mortgage servicer is not applying payments as should, XXXX XXXX XXXX, and they are missing payments which were sent to be applied to the loan. 
Payment amount has been raised over {$600.00} since XX/XX/XXXX which none of those payments have been applied to our loan.
Product: Credit reporting or other personal consumer reports

This is my second complaint. Had issues logging in in XXXX never resolved. Have been able to monitor thru credit karma. Want to dispute and takes me to site where it says temporarily unavailable. I am so sick of this company. They allowed my information to be breached, I guess everyone can access my information but me.
Product: Credit reporting or other personal consumer reports

I have been trying to get these unidenitied inquiries off of my credit report for some time now. When I try to get pre_approve for a credit card I can't because of theses inquiries being one of the reasons. Ive tried to get a Pre- approval for a house and these inquiries was the reasons I couldn't and that's a huge deformation of my character.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection : XXXX XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

This inquiries was not initiated by me and I did not gave anyone a permission to create this. Kindly remove the from my credit report immediately.
Product: Debt collection

I do not recall ever doing business with speedy cash. I also didn't receive documentation prior to the debt being listed on my credit by this company. Another company couldn't verify this information as it is fraudulent now this company XXXX XXXX XXXX XXXX XXXX has relisted the same account on my credit. I would like valid proof of some original documentation with my signature that this account belongs to me.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX XXXX XXXX : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Light stream XX/XX/XXXX XXXX  XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion Consumer Solutions has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account number : UNIfund
Product: Credit reporting or other personal consumer reports

experian willfully and negligently violated the fair credit reporting act EXPERIAN KNOWINGLY VIOLATED TRUTH IN LENDING ACT IN FORM OF 'PREMIUM SERVICES/ TRIALS '' AND KEPT THIS SECRET FROM ALL COMPLAINANTS IN 2021 experian willfully and abusively sent over XXXX email notifications experian retaliated by lowering credit score based on false information EXPERIAN KNOWINGLY FAILED TO RESOLVE DISPUTES IN GOOD FAITH BY PROVIDING RESTITUTION
Product: Mortgage

I received a mortgage modification with XXXX a few years back that was affordable to us with a PITI payment of {$1600.00}. It was sold to Nationstar late last year and it was a seemless transitgion Went online last night to make XX/XX/XXXX payment and the screen said the payment due was {$2300.00}!!! When I called they said that there was a negative escrow balance when XXXX sold it to them, which is not possible, as I hired an attorney to do the modification and everything was in order. I spoke with manager XXXX XXXX with Nationstar and he promised he would get back to me this morning after he did his research. He also told me he would email me the results. No phone call and no email. We ca n't afford this new payment and this reeks of fraud on the highest level. I have left a message for my attorney so hopefully this will get straightened out, but what I read online and all the complaints against this company leads me to believe that they are only in this to make money off unsuspecting consumers. I am also a XXXX so I think I know what fraud is when I see it.
Product: Prepaid card

RushCard has been having system issues since XXXX/XXXX/2015, I had lost my card on the XXXX and blocked it. I called in a day or 2 later to have it unblocked and the representative said it would be active in XXXX hours which would have been Monday around XXXX CST. My card was still not active as of Wed so I called back when I was informed that they were unable to access their system to reactivate my card or remove block. Today is XXXX/XXXX/2015 I have calle dalmost every other day and I still have no access to my funds. I had to move out of my apartment with my XXXX children, I am unable to buy food to feed my family, I am unable to pay my car note or have my transmission fixed that has been broken since last month. I have no money and although family has been helping a little, they have their own families and bills they are responsible for. I do n't have any money, I had to change my kids school because I moved and almost lost my job because of days I missed and came in late. My job will not issue me paper check from check received on XXXX/XXXX/2015 because the funds were not sent back to them so I now have no way to get my check that was direct deposited a week ago. I can not purchase food, winter uniforms for my kids, pay my car note or pay for a taxi to get to and from work, find another place to live because I will have a non payment eviction and it will be hard to find another apartment for my family to live in with an eviction.
Product: Payday loan

Contacting my job multiple calls. Multiple calls to my phone and leaving notes on my door, place of residence.
Product: Credit reporting or other personal consumer reports

XXXX Transunion and XXXX are not complying with fair credit report act guidelines now I have made complaint of these situations and Im not at liberty to keep wasting my time my rights are being violated and what the credit bureaus have done is illegal and upsetting I have made my payments on time on all my accounts and there also is accounts on my credit report that are over XXXX years and it has no right to be on my credit the law is the law and you need to enforce to them that they are breaking it Im not going to repeat my statement i will take full legal action against all responsible because of not abiding by the law these accounts need updated and deleted I will attach my proof now you enforce this matter or I will sue both parties for breaking the law and they are reporting late payments which is not relevant to what it is I can prove I pay all my accounts on time I have had enough of their foolish lies they are to abide by the rules
Product: Credit card or prepaid card

48 hours ago XX/XX/2020 my login with bank of america was locked and my card was frozed. After nearly a 3 hour hold time they disconnected. I called again and again I was advised that my account was closed due to a fraud alert. When there was no fraud to be had. Their customer services proceeded to apathetically put me on hold without a resolution. As of XX/XX/2020 I still have no access to my account and my card doesn not work. This was unacceptable and I believe it is definitely a breach of consumer faith during these trying times I have kids to feed like millions of others. I still don't have access to my funds. My complaint goes on deaf ears. I am nowhere close to a resolution to have my account reopened. Furthermore I can confirm this is in no fault of California EDD. This is on Bank of America.
Product: Student loan

On XXXX XX/XX/2020, I submitted an electronic payment to XXXX XXXX XXXX XXXX in the amount of {$150.00}. It was almost immediately removed from my account. By XXXX XXXX, the payment had not yet posted. I called and spoke with a supervisor named XXXX, who advised me to send in documentation about my submission of the payment. 

On XXXX XXXX, I called to follow up and spoke with a representative named XXXX. XXXX told me the company would take " a couple of weeks '' to " get around to it. '' That is an absolutely unacceptable, opaque process, particularly for an electronic payment in 2020.
Product: Checking or savings account

this is a re-occurring problem. I made my original complaint # XXXX filed on XX/XX/XXXX. to review I was trying to get {$20.00} from my XXXX XXXX XXXX credit card from an ATM owned and operated by citizens bank which I have a banking account with and has had one with them for 50 yrs. anyway I went to the citizens bank atm machine onXX/XX/XXXX to get the {$20.00} and the atm said the action selected is not available at this time. please retry. so I tried again and I got an answer from the atm the available balance exceeds the available balance. so I went to the bank manager XXXX XXXX who told me he has no control over the atm. I was told by XXXX XXXX XXXX that citizens took the money even though they were made aware that I never to the money. XXXX XXXX XXXX says there is nothing they can do. citizens bank refuses to give me money they stole from me. somewhere the books at citizens bank should not have balance and that is why I say they stole the money from me. they have the money and wo n't give it back. it is STEALING. I got a call from citizens bank on XX/XX/XXXX about the original complaint to you and they still refuse to give me the money. they said I have to get the money from XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX told me I have to get it from citizens. well I think citizens bank should give me money they should never have stolen in the first place.
Product: Credit card or prepaid card

I was called on XX/XX/XXXX by the fraud department from my credit card company, Union Bank Credit Card, to alert me that someone had used my card at XXXX XXXX XXXX XXXX in XXXX, CA for {$200.00}, XXXX in XXXX, CA for {$100.00}, and XXXX XXXX in XXXX, CA for {$22.00} and that the charge looked suspicious. I confirmed with the fraud department that I had not made these purchases, but I was told by the fraud department that whoever was making the charges had my physical card because the card had a chip on it. However, I had my card in my locked safe at my home at this time. I reported this to the fraud department case # XXXX and I asked to escalate this fraud to someone in management because the only way someone could have made these charges would be with a counterfeit card with a counterfeit chip. I was told by this fraud department agent that these charges would be flagged as fraud an they weren't until l called for a second time to the fraud department. The bank rep also told me that this type of fraud was impossible, but upon doing research, this is happening per reports by credit card companies, retailers and documented by journalists since XXXX and the fraud technology continues to be more and more sophisticated. Since I had and have my physical card, I am clear that someone obtained my credit card number and put it on a counterfeit credit card with a counterfeit chip using EMV-Bypass Cloning. I called XXXX XXXX call center to alert them that someone is using my credit card number on a counterfeit card with counterfeit chip ( XXXX XXXX # XXXX ) and they said that this credit card/chip cloning is indeed happening and that they would escalate this fraud to the management. I also reported the fraud to XXXX conf # XXXX, XXXX Police Department in California Tracking numbers XXXX, XXXX and XXXX Police Department in California XXXX. I was given the number to the fraud department ( XXXX ) to talk to XXXX at Union Bank Credit Card and when I called they said that I couldn't speak to this person. XXXX  XX/XX/XXXX I called XXXX ( assistance number on the back of my credit card ) and asked to be transferred to the fraud department and was told that they couldn't do that, even though yesterday they did transfer me to this department. I was also told that the credit card company does not have an active case with me even though I have I was given a case number and have called to talk to the fraud department yesterday. I haven't been able to get any assistance to escalate this fraud card/chip cloning to my credit card company. Union Bank Credit Card appears to be given misleading information, is now denying me access to the fraud department to give them my police report information, is being unethical in their business practices. Can you please help me document the EMV-Bypass Cloning that occurred with my card as I believe that it is my duty as a citizen to inform the powers that be that this is occurring now in California and to make consumers aware of this so they can protect themselves. I also need help escalating this to management in Union Bank Credit Card Company. Thank you.
Product: Mortgage

My mortgage was transferred to LoanCare, LLC on XXXX XXXX, 2016. I 've called 8 times to only wait over 40 minutes without being answered and there is no email contact to ask questions. I have NOT received any correspondence in the mail to set up my account or to know when my next payment is. Last time my mortgage was transferred I received account information the next day after the transfer. From other complaints and ratings about this company I 'm afraid of being scammed and having my credit ruined by such an unprofessional company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has violated and continues to be in violation of the Fair Credit Reporting Act ( FCRA ). experian has not been honest with who the source of this information is from, as I have received now 2 notices from US BANKRUPTCY COURT XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX, THIS IS THE SECOND TIME THAT EXPERIAN HAS LIED ABOUT THE SOURCE OF ITS INFORMATION in its investigation of Bankruptcy Ref. # XXXX Despite my three written requests, the unverified item Bankruptcy Ref. # XXXX still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? You still have not identified Who in your company verified the accuracy of these accounts or how they verified them? also you continue to lie about the furnisher of your information The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA if this unverified account is not deleted immediately I will attached the letter that was received from the federal courts by myself and my counsil and now submitted x 2 to the CFPB as a part of my complaint
Product: Credit reporting

I sent in Information to Dispute 2 creditors listed below : XXXX acct # XXXX XXXX acct # XXXX And did n't receive any information nor documentation that the Items were verified, but a letter from Transunion stating that the creditors will remain ion my report. I sent the same letter to XXXX and these Items were removed from my report. attached is a copy of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX XXXX. Company Inquiries : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX.