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

In XXXX of 2021 I filed a dispute with TransUnion about the unverified account : XXXX XXXX. Also to note that I am not working with a credit repair company or a third-party company. I am independently doing my dispute and I have asked for verification from the collection agency that I asked for verification from this credit bureau and I have not received anything from either party. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in almost 2 months as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX to Whom it may concern, My name is XXXX XXXX XXXX XXXX am closing on my new home when I recently discovered that I had some issues on my credit report that need some attention. I have addresses that do not belong to me and unknown phone numbers. 
These are the unknown addresses please delete : XXXX XXXX CT XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX. 

UNKNOWN PHONES NUMBERS : ( 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

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of 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. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available 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.

The law is very 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 have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy SOLAR MOSAIC Account Number : XXXX Please remove it from my credit report. 
3. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 5. 15 US-CODE 1692E FALSE OR MISLEADING XXXX10 XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my Credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX with your financial institution executed by way of signing an agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any information in any form. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, Experian, and XXXX. The provisions of 15 USC 6801 ( a ) state it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given XXXX XXXX, consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information I was not informed. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearly states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. In the above mentioned XXXX XXXX XXXX, without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to non-affiliated third parties ( i.e XXXX, XXXX, and Experian ). With that said, your company has not only infringed my right to privacy, but also violated multiple Federal Laws. I hereby request you remove the below-mentioned information from my Consumer Report : XXXX XXXXXXXX If you accept my request, I will not escalate this matter to a Federal complaint. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through a hard time in my life, I lost my job and I was spending the bulk ok my money on my family and making sure we survive. I let one payment lapse in this past XXXX on this account with XXXX/XXXX but when I was able I paid the account and brought it current. This was the following month, I paid for it and would like for them to update this account by deleting that one late payment. It's being reported to all three bureaus Experian, XXXX, and XXXX. It is killing my chances of getting a home. I have repeatedly called them and sent goodwill letters to try to get to update the late payment history on this account. I will attach a picture of my payment history that shows me missing that one payment and have been current ever since. And I would truly appreciate this and would be able to put my family in a better situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My original loan amount with XXXX should be {$190000.00}. I contacted XXXX and they sent me a copy of my note showing {$190000.00} as original loan amount with a cover letter. I sent copy of note and cover letter to experian. They will not correct the original loan amount to {$190000.00}. I have been trying to get experian to correct this error for a while now but they refuse. XXXX and I agree ( see note and cover ltr )
Product: Credit reporting, credit repair services, or other personal consumer reports

Now as an excuse you are saying the complaint did not come from me. THE COMPLAINT CAME FROM ME. YOU DID NOT DO/COMPLETE YOUR INVESTIGATION WITHIN THE LEGAL 30 DAYS.
Product: Credit card or prepaid card

On XX/XX/2022, I XXXX XXXX initiated a full payment towards my secured credit card from self inc. In the Amount of {$3500.00}. Shortly following the full payment I received an email from self inc warning me I have 15 days to provide verification and a bank statement or my account will be closed. I urgently uploaded the documents they requested shortly after they closed my account with no information or notice. They held my security deposit after sending an email stating it would be released in 15 days and electronically sent to my linked bank account. Well, that never happened its been almost 2 months, and my security deposit of {$3000.00} is being held by self for 2 months and is now causing me hardship. they are illegally holding my funds with no answer. stating they can not release anything until the review is finished. And have no timeline for this I have attached all information and correspondents on the communication done with self below. I am requesting the funds that are entitled to me under us law be released to me with no further questions. I also believe the bank intentionally and maliciously committed fraud by waiting for me to pay the credit card in full to then hold my deposit and close my account.
Product: Credit card

Booked a hotel and tried to cancel with XXXX they told me it was booked through a third party. When we tried to cancel XX/XX/XXXX with the number they gave me it did not connect to anyone so i called my citibank XXXX XXXX to dispute the charge representative never filed the dispute when i didnt see a credit to my account i called back XXXX days later and filed dispute again. I am now told there is conflicting information between me and merchant I need to contact the merchant i never had a number for merchant and still do not. I never stayed in this hotel. Representative today XXXX told me the last representative never followed through reopening my dispute. Dont want my credit ruined but dont want to pay for something i never received. Will be paying in cash from now on! The amount XXXX not insignificant to me
Product: Debt collection

I represent an employer. XXXX sent a fax to a general company number with the person 's name and Social Security number clearly stated and this statement : " This communication is from a debt collector. Any information obtained will be used for that purpose ''. 

This method of communication is compromising to the employee, as it could be compromising to the person 's position, in addition to exposing the name and social security number, which makes them vulnerable to fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 a 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 items of information, other than records of convictions of crimes which antedates the report by more that seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish 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

I tried to contact this company  XXXX  back in  XXXX   2017  and received a letter saying the address was undelivable. The information stating this account belongs to me is inaccurate just like this bogus address. I also tried to contact Transunion in the months of  XXXX  and  XXXX   2017  and they failed to provide me with proof of this claim. How can they verify information with an undelivable address.
Product: Checking or savings account

Hello, I opened a Chase Savings account following a promotion where I can get a {$200.00} bonus if the following criteria are met : ( 1 ) Open a new Chase Savings account ( which I have never done before ), ( 2 ) Deposit a total of {$15000.00} by XX/XX/2020, and ( 3 ) Maintain that balance for 90 days. If I meet all three, it was advertised that I would be rewarded with my bonus within 10 business days. 90 days from my initial deposit would have been XX/XX/XXXX, and 10 business days from then would be XX/XX/XXXX, so I should have already received the bonus. I called a Chase customer service rep on XX/XX/XXXX, and he confirmed that I met the criteria and should be receiving it on XX/XX/XXXX. It is now XX/XX/XXXX and I still haven't received the bonus. I call Chase customer service again, and another rep, XXXX XXXX, also said that I met the criteria and wasn't sure why I haven't received the bonus. After waiting for XXXX to discuss with his internal team, he said I met all the criteria except the " Deposit a total of {$15000.00} by XX/XX/2020 '' because I transferred money from another account which doesn't fall under their definition of deposit. If you look at my attachment where I include the offer email, there is nothing disclosed about how " deposit '' is defined. Not a note at the bottom of the email, nothing. It is ridiculous to mislead a Chase customer, and not disclose in the email of the offer containing criteria that there are specific technicalities in the word " deposit '' that I would've otherwise not known when I opened my Chase Savings account following what was advertised in the offer. The fact that TWO of Chase 's customer service reps also believed I met the criteria ( and the fact that it wasn't until XXXX escalated the issue that he was also aware of the technicalities ) is unacceptable if Chase wants to demonstrate trustworthiness with their customers. Unless I am properly compensated with the intended bonus amount, the false pretenses of the Chase bonus email is enough for me to not want to continue with Chase bank in the long term.
Product: Debt collection

My bank account was constantly being garnished for an amount well over what I actually borrowed. I constantly called and inquired but they would refused to stop taking money out of my bank account which forced me to file a complaint with my bank and closed the account. They sold my information online and now all kind of fraudulent payday loan companies are reaching out to me accusing me of owing them money this company is a fraud. I do not owe them anything. They kept calling and harassing me and that is not common collecting practices.
Product: Debt collection

Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent on XX/XX/21 and they have yet to remove the accounts. It is XX/XX/21 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.
Product: Mortgage

I purchased my home in XXXX, NJ on XX/XX/XXXX. My mortgage was with XXXX XXXX. On XX/XX/XXXX, I emailed a copy of the real estate tax exemption letter that I received from the Tax Assessor of XXXX Township ( as a surviving spouse of a XXXX XXXX XXXX veteran, the state of NJ grants exemption from real estate taxes ) ; the receipt was acknowledged on XX/XX/XXXX. I was informed that XXXX only does escrow analysis once a year in XXXX and at that time, I would be refunded the amount that I paid in real estate taxes and my monthly payment due would be adjusted. In XX/XX/XXXX, I was informed that my mortgage account was sold to PHH Mortgage. My account number is XXXX. I was told by representative of XXXX that PHH would be handling my account going forward and would be responsible for the required adjustments to my escrow account including refunding my overage. I called PHH and was told that the letter from the Tax Assessor was not provided when my account was sold. I then mailed the letter to PHH. The receipt was acknowledged by a customer service representative in XX/XX/XXXX. I was told that an escrow analysis would be performed with the tax exemption and it would take about 10 business days. I have attempted to speak with someone in the escrow department on several occasions but was always refused and told that the representative would relay messages and responses. On my last phone call on XX/XX/XXXX, I again was refused to be connected to the escrow department and the customer service representative told me that my escrow analysis was still being performed and I should wait 10 business days. I informed the representative that I was going to file a formal complaint with the applicable regulatory authorities and that he should relay that to the escrow department. It is now XX/XX/XXXX and I am owed several thousand dollars and my mortgage payments due have yet to be adjusted. I anticipate that this complaint will be instrumental in rectifying this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX  BANKRUPTCY DISCHARGED XXXX  CHAPTER XXXX  BANKRUPTY DISMISSED XXXX US DEPED XXXXXXXX {$23000.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXXXXXX {$3800.00} XXXX XXXX XXXXXX {$3000.00} XXXX XXXXXXXX {$22000.00} US DEP ED XXXXXXXX {$1700.00}
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

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

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX  - Account XXXX Account Name : XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX - Account XXXX UNAUTHORIZED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report, I was shocked to learn that I am a victim of identity theft. I found an account on my credit report that was not opened by me. This has been hurting me as I'm in a process of buying a car so I can get to and from work. Please remove this fraudulent account from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX I sent validation requests to several collections regarding medical debt that had been placed on my credit report. 
These are Expired, well over XXXX XXXX XXXX. 

I did not receive any response, so I submitted online request with Equifax to validate these items. I did not receive a response. 

It is my understanding that per FCRA they are to respond within 30 days, it has now been over 60 days. 

Plus, with the new medical laws, starting XX/XX/2023 the XXXX XXXX that are under {$500.00} were to be removed. 

Ive attached a copy of the XXXX items that need to be removed from my credit report. 
Thank you
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

Unable to access Experian to remove a credit freeze. Website doesn't work, phone call doesn't work. There is no way to contact a representative
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act XXXX Credit Acct # XXXX and XXXX XXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX 15 USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 604 A section 2 states a consumer cant furnish any account information without my written consent.

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: Credit reporting or other personal consumer reports

Complaint Regarding Inaccurate Reporting by Experian Complaint Summary : This is my third attempt to have Experian update and remove dispute-related remarks on my credit report associated with XXXX XXXXXXXX XXXX XXXX Account Number XXXX. I have submitted two prior written requests ( the most recent on XX/XX/year> ) clearly stating that I no longer dispute this debt and requesting that Experian remove all related comments. 

The dispute remarks remain on my report, creating a significant barrier to securing a mortgage. My lender has specifically requested that these remarks be removed to proceed with my mortgage application, making this a time-sensitive matter. 

Details of My Complaint : Experian has not removed the remarks on XXXX XXXX XXXX account despite my three requests.

The ongoing presence of dispute-related comments is affecting my ability to obtain a mortgage, which is critical to my financial plans. 
My previous requests made it clear that I no longer dispute this account, and I specifically asked Experian to promptly remove these remarks. 
XXXX Sought : I request that the CFPB require Experian to : Immediately remove all dispute-related remarks and comments on THE XXXX XXXX XXXX Account Number XXXX from my credit report. 
Update the account status to reflect that I am not disputing or disputed this debt. 

Thank you for your assistance in ensuring Experian accurately reflects my credit information and promptly addresses this matter. 

Sincerely, XXXX XXXX