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

On XX/XX/XXXX XXXX XXXX  I sent Transunion a letter to get the the validity of the bankruptcy reporting on my credit report. They responded with a letter stating that they verified the information through XXXX XXXX. I went directly to XXXX XXXX to dispute this item and XXXX XXXX could not verify this item, so they deleted it from their own database. 
Then I went back to Transunion on XXXX XXXX XXXX  as well as XX/XX/ and showed them that the bankruptcy had been deleted from XXXX XXXX informing them that if they could not reveal how they verified this item then it needed to be taken off my credit file according to the FCRA. Then of course once again Transunion verified it and refused to delete this bankruptcy. This bankruptcy has impeded my ability to purchase a home especially in the market that we have right now and is causing me to pay thousands more in interest per year as long as it has been on my report. Which has been since about XXXX This item needs to be deleted from my credit report if it can not be verified within 30 days.
Product: Debt collection

multiple harrasing phone calls all day to my place of employment. they threaten my co-workers, telling them that " we are going to suffer the consequences ''. they will not stop calling, even after my manager has told them to stop. i have tried calling them, and they say that they will not stop calling my place of employment until i paid about {$1500.00} via prepaid visa. i 'm scared that they will somehow find my relatives phone numbers, specially my XXXX year old mother 's number and start harrasing them. PLEASE, IS THERE ANYWAY TO STOP THESE PEOPLE. THIS IS NOT RIGHT!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 XXXX  XXXX XXXX reported to credi bureaus 30 day late. This is incorrect. Please provide proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citizens Bank recently XXXX XX/XX/XXXX XXXX reported a charge-off to my XXXX and XXXX credit reports. I dispute ownership of this account. I disputed with XXXX  and it was removed the next day. XXXX refuses to remove it despite me pointing out that it's a duplicate of a charge-off that is reported already on my account. I also dispute ownership of that account. The same account is being reported as two separate charge-offs. 

I disputed a second time with XXXX because Citizens Bank is re-aging this account so that it will appear on my credit longer. The duplicate account shows date of last payment as XX/XX/XXXX, but Citizens Bank is reporting it as XX/XX/XXXX. XXXX will not correct this date.
Product: Credit reporting or other personal consumer reports

WIth my first CFPB dispute against Capital One, they did fix the initial issue, only to go back and violate more FCRA codes. 

They removed the false remark only to add it back a couple of days later, which is in direct violation of 15 USC 1681 ( i ) ( B ) ( ii ). A written notice of reinsertion must be given no later than 5 days after the reinsertion. Please remove and update this information in compliance with the FCRA to meet the demands and accurate reporting of the consumer. 

so now this has been added to the list of the other laws that have been broken/infringed upon : 1.I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 2.False Claims Act ( FCA ) 31 U.S.C 3729-3733.

3.18 U.S.C 894 for using consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. 
4.I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A This has caused me more mental and financial distress. This will be the final time attempting to fix this issue with them before going to the FTC and starting the proper legal steps to recoup damages.
Product: Mortgage

Va loan closing of a Banco popular loan in XXXXBanco charge over {$7000.00}. In funding fees.As a XXXX veteran my funding fee should have been {$0.00}. certainly not over {$7000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

After ordering a copy of my credit report I have notice that its inaccurate information on my credit report. And I have/had know knowledge of these accounts. 

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. 

Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX XXXX Account # : XXXX These accounts reporting is in violation of 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 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 ) 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: Debt collection

Enhanced REsource Center -ERC ( a debt collection agency ) started calling my home, I finally answered the call and was told this was an attempt to collect a debt for XXXX XXXX for {$140.00}. I told the young lady she had the wrong number, as XXXX does not service my area - I have ATT. she said it was for a service address in XXXX. I stated, I do n't know anyone in XXXX, XXXX and if it has my name I am a victim of I.D theft. She stated, the account was opened and that was the service address and my name and number in GA was listed as the bill pay address. I said, I have never heard of such a thing. She kept asking, How was I going to pay the debt? I finally got her to realize it was not my debt. I asked was my SSN used and she said no. She gave me a number for XXXX. I called XXXX XXXX. and asked did they allow their customers to bill to XXXX party address without consent?, and I was told, YES. When I called back they rep. denied I had a bill with them. I have recently been told I have to go thru the fraud dept at Charter and fill out the paperwork, however, I think that is insane being that they -Charter allowed someone to bill to someone else 's address in a totally different state. I know the Identification theft process I have had to use it before. But I feel XXXX was negligent approving such foolishness in the first place and they should be held accountable and made responsible for finding a solution. I still received a bill from ERC notifying me I had 30 days to prove it was not my debt or I would be held accountable. Again, XXXX was negligent in letting the stranger use my name and address without first verifying with me. I was not aware service could be established with a SSN in any type business. I also never received a bill from XXXX XXXX alerting my of service in my name. My first notification was from the bill collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

MyEquifax has been unable provide a mechanism ( online access ) to temporarily lift the freeze only my Equifax credit report. Their online method of authenticating me is faulty and the agents can't do much either. After 23-25 minutes on a call, they tend to hang up on you, so nothing gets resolved. I've faxed my SSN document, license and utility bill with a cover letter, but there's no confirmation of them having received it or any indication that they're working on it. The agents on call don't have a clue as to what documents you've sent, so you can't check on the status either. This entire company should be in a XXXX for folks to see what XXXX XXXX look like.
Product: Mortgage

During last quarter of 2004 three false action of title took money from the mortgage and it appears that is the reason I am still paying ... all attempt to correct this from the servicers have been ignoredand request for advisaril action to nmy BK Atty have been ignored.
Product: Debt collection

I was involved in an incident which led the XXXX to be called, involuntarily. And I was forced by the XXXX XXXXXXXX XXXX office to comply and get in the XXXX. I made them very aware that I would go on my own merit because I knew my XXXX would not cover that and they threatened me with arrest if I did not comply. I made it abundantly clear that I knew my XXXX would not cover it and I did not have the funds to pay out of pocket.
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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX, and XXXX XXXX XXXX Account Number XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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 ) 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: Mortgage

I've requested multiple times to remove my PMI with Freedom Mortgage. I'm well under the 78 % Loan to Value requirement and it's been two years. I bought my home in XX/XX/2016 and it was in slight disrepair for {$220000.00} and have since made improvements. Even the appraisal at the time was {$240000.00}. I've since added a home equity through another company. The company did a full appraisal. Since then, I've sent this appraisal to Freedom Mortgage and they refuse to remove my PMI unless I buy and appraisal from them for another $ 400+. This is completely unreasonable. There is plenty of ebeidnce available in the market to show that my value is at least the {$260000.00} needed to remove PMI. Full appraisal from new company came in at {$280000.00}. This kind of practice needs to stop for good borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

It came to my attention on XXXX XXXX, 2017 that Equifax experienced a databreach. In order to check if my SSN was compromised, the site they are endorsing is requiring that i waive my right to file a lawsuit against them before I know whether I am affected. The website they are using is obviously a third party domain name which itself is extremely sketchy and uses third party security certificates which is terrifying from a cyber security standpoint. I dont even know if my last 6 digits of my SSN are actually being sent to equifax or a third party company hired to handle this breach. it 's not difficult to guess the first 3 digits, thats only 100 different combinations of single digit integers 0-9. The leak happened a month ago, but they didnt make a public statement until now. There is so many things that seem off and I dont know what to do right now. The solution they have is to offer a typically paid service to protect my identity for free for a year, but this data breach will effect my SSN for the rest of my life! How is this even fair???
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX and then I got a refinance loan with XXXX XXXX at a cheaper rate. The car was paid off in the transaction. I paid the account as agreed on a monthly basis. The account was recently posted to Credit bureaus from XXXX? Why is this just now being viewable on my reports??? The dates are false. Its XXXX! Also they would repossess the car if I was to be 120 days late. They have caused my credit score to take a big hit while I was in the process of purchasing a home. The account details reported are listed below. I want restitution from this creditor and my credit reports updated with this information updated with payoff and in good status along with deletion of derogatory status. 

Status Date Reported XX/XX/XXXX????? 
Payment Status 120 Days Late * ( I was never late, Made Monthly payments ) Account Details Bureau Name XXXX XXXX Account Type Auto Loan Responsibility Individual Original Loan Amount {$27000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX This was paid off by new loan with cheaper rate. These dates are wrong Payment Details Date of Last Payment XXXX XXXX XXXX Monthly Payment {$0.00} Term 72 Months Payment Frequency Monthly ( every month ) Lender Info XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Remarks Closed. ****It was paid off in a positive status and not late*******
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for this XXXX {$5000.00} credit card. Account # on my report XXXX.
Product: Credit card or prepaid card

For my Chase Freedom Flex credit card, I received a promotional offer email from Chase Bank last XXXX. In this email, it says that I will receive additional 5 % cash back on my top spending purchase category in XXXX 2021 ( in addition to the quarterly 5 % cash back categories ). 

My top spending category in XXXX is XXXX spending. However, so far I have not received the additional 5 % cash back for my XXXX top spending yet. I am writing to request Chase to resolve this issue and post the additional 5 % cash back points for my XXXX top spending purchases to my Chase Freedom Flex card account immediately.
Product: Checking or savings account

On XX/XX/XXXX I took a ride for XXXX  with XXXX. On the very next day my bank processed a temporary pre-authorization transaction for XXXX twice in the amount of {XXXX. After speaking with XXXX they have since voided the transactions on their end however, the bank continues to hold the transactions and did not allow them to fall off within the XXXX as promised. They have held the funds since XX/XX/XXXX and claim that it will expire on XX/XX/XXXX is when XXXX They continue to do this with my account and make pre-authorizations for unnecessary amount of time. I feel that they have done this out of retribution of the filing the complaint the first and second time this has happened. I can provide a screenshot and emails from XXXX as well. When I talk to the bank they had lied to me and told me that XXXX had to reject the transaction when in fact the bank is holding the pre-authorization on their own terms and refused to release the money within the XXXX hours as promised but instead made it XXXX days. I am fearful to make any large purchases at this point as I feel they will do this again out of spite making jeopardize my funding leaving me immobile. Please help.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX  - XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Credit Collection Services because they are falsely reporting a XXXX account as collections when I don't owe them nor do I have a balance with XXXX. CCSalso never contacted me prior to this insertion. I called XXXX and was told the only thing I can do is print out the account showing XXXX balance. CCS told me there's a balance and they aren't removing it. I have access to my old XXXX account which shows XXXX balance. I have no business with CCS, and they are refusing to delete this negative reporting off of my credit profile. 
I contacted them by phone today XX/XX/XXXX, as well as XXXX. I received a notification that a collection was added to my credit profile on Saturday XX/XX/XXXX. The Collection states I have a balance of XXXX to XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit that highlights significant issues with the platform. Despite frequent use of Zelle and reporting discrepancies, my financial institution and Zelle failed to properly investigate my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. 

The CFPB 's findings reveal that Zelle has not only neglected its responsibility to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is deeply concerning and raises serious questions about consumer safety.
Product: Debt collection

I have been battling an a previous apartment collection from over 3+ years ago. I am here because I don't know what else to do. I have family whose primary source of income is working on peoples credit for them take look into this issue for me. After multiple rounds of Disputes it was removed and I have the points boost to photo to prove it. Lo and Behold I am in the process of moving and had someone look at my credit report and sure enough this account is not closed. Also the Debt collection company updated the account stating that I lived there in XXXX which is absolutely not true and can be proven. I have lived in my current apt XXXX XXXX XXXX XXXX XXXX XXXX for two years and the previous apartment which was called ( XXXX XXXX ). I know for a a fact when this was because I was laid off from my XXXX around this time due to the closing of a lot of businesses over XXXX procedure so this was no later than XXXX making there timeline incorrect again. I have photos of them emailing me so many years ago and then ceasing to do so because the account was disputed and supposed to be removed... the large gap in between emails serves as irrefutable proof that it Indeed was charged off and here we are again.
Product: Vehicle loan or lease

Company is asking for over {$1400.00} Payments are 76 days passed due currently. In order to be able to afford my super high {$420.00} a month payments I had to switch car insurance from XXXX to XXXX. It took my entire paycheck to get the insurance switched. I had put in two requests for extensions which I have to put in the requests to even see how much it'll cost me. After submitting requests in order to check the prices on a one month and a two month extension XXXX then blocked me from submitting another request. I'm currently waiting on a payday loan to go through to pay for an extension. I want XXXX to drop my late fee charges due to hardship and want to be able to aquire a two month extension for {$250.00} in order to allow me to pay ahead. As I stated in a previous complaint I recently got custody of my XXXX year old daughter and I'm trying to get caught up financially. I was out of work for two months and am now a licensed health insurance agent with a decent job. If XXXX cant do this I want there to be a way to re-negotiate what I pay every month to lower it so I can get the car to good financial standing and not have this issue again. That car is my only means of transportation to and from work. Its also the transportation for my daughter to see her dad. I'm doing everything I can to get things back to where they need to be. If my dreams were to come true XXXX would put the total of what's due and passed due at the back of my loan and allow me to start fresh from 0 days passed due. Dreams dont come true though. My request for a two month extension at {$250.00} and all current late fees be dropped and my car not be put through the repo process I feel is reasonable. I'm getting on my feet again its just slow. At XXXX years old a repo on my credit would ruin me and I want to be a home owner someday. I know how my payments have been this passed year. I'm ashamed and embarrassed ive been out of work as much as I have. The current position I have is stable and I plan on getting things back on track but I need some assistance. If the car gets taken. I won't be able to work and XXXX wont be able to get paid.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system This means that whenever the FCRA is broken, it makes the banking system less effective. Because I decide what is on my consumer report and what is not, this is an invasion of my privacy. If any of my accounts are written off without my writing permission, that is identity theft. 
There are two laws being broken here : 15 U.S. Code 1681b ( 2 ) and 1681c-2. This means that the credit reporting service can be sued in civil court for negligent and willful noncompliance under 15 U.S. Code 1681n. This allows for a {$1000.00} fine per violation for listing my account without my written permission.