23daVinci/CFPB_Complaints huggingface dataset:
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. 

Tracking number are as followed : XXXX Account names : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXXk NA XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX IN XXXX XXXX 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. XXXX5 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

I get phone calls from this company all day, everyday. They contact me from multiple numbers, sometimes even hanging up on me when I answer the phone. I know that this company is stressing me out and aggravating me.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello My name is XXXX XXXX I have 2 problems with Equifax I have been trying over a month to freeze my credit report online i spoke with a representative on the phone that told me the system is down call back later. I have some disputes on my credit report inaccurate reportings equifax is saying at the end not able to dispute at this time. do i need to go to the news media with this this is getting out of hand. no one is regulating equifax they are doing whatever they want to do and putting false information on my credit report.
Product: Debt collection

I have reached out to all the credit reporting agencies such as XXXX, Experian and XXXX and tried to dispute the over {$1900.00} claimed on my credit report that I owe XXXX XXXX XXXX. Just recently I've tried to get this erroneous fraudlent debt removed. The credit bureau agencies kept saying per XXXX this debt is valid and true. I have always maintained my stance this is not True. I have been failed by the system. I have been fighting this for over 3 years. Its affected my quality of life renting apartment paying outrageous deposits, higher interest rates etc. Finally just this year XXXX XXXX XXXX managed by XXXX XXXX XXXX have admitted to the error that it was a Giltch in their system. This error was listed on my credit XX/XX/XXXX they claim the error was found XXXX but as late as XX/XX/XXXX XXXX claimed I owed over {$1900.00} even though it should be {$180.00}. It makes it seems like this was a deliberate violation that everyone is cohoots with. How can this happen? I thought all debt were to be validated. I want the bill to be completely expunged for my pain and suffering. See complaint # XXXX where the Director XXXX  XXXX claims it can take up to over 90 days to correct this items with the credit bureau XXXX This is slanderous, devious and Not right at all. I want this debt immediately removed from my credit. The credit bureau need to have better business practice to safeguard consumers. I will go to the Attorney General Office to file a complaint against all the Credit reporting agencies and seek further guidance what my rights are from a Attorney. How did the original creditor find the discrepancy in XXXX and Nobody knew.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me.

Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Equifax, XXXX and XXXX 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date Opened:XXXX Balance : {$3300.00}. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. 
SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

On XX/XX/XXXX I contacted XXXX and told them my bill has over 3 lines on it and I only have 1 phone line with them that is completely paid off, after trying to get more understanding of why my bill has inaccurate information I was threatening by the representative stating the bill will go to collections if I dont pay. I payed {$180.00} and closed my account. A few months later I see that same account show up on my collection account bought by another creditor named Radius Global Solution for the amount of {$470.00}. After a number of calls by this collection company harassing me, I told the collection company to stop calling me which did not cease.I sent over a debt validation letter on XXXX XXXX, 30 days later I did not get a response. I sent a second letter and as of today XX/XX/XXXX. I still havent received a response. According to The FCRA, 15 U.S Code 1692 ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collected to seize further communication with the consumer. The depth collector shall not communicate further with the consumer with respect to such that. My rights have been violated and I want this collection removed off my account.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the accuracy of a collection account that appears on my credit report. I have reviewed my credit report and found an entry from XXXX XXXX XXXX XXXX  for account number XXXX that I do not recognize. I request that this item be investigated and removed from my credit report for the following reasons : Lack of Signature and Authorization : I have no recollection of ever opening this account, and I have never signed any contract or agreement pertaining to it. I request verification of my signature on the original contract associated with this account. Please provide a copy of any documents that bear my signature. 

Insurance Claim : If this account was claimed under any insurance policy, I request documentation proving this claim. Specifically, I need confirmation of the insurance policy details, the nature of the claim, and how it pertains to me. 

Verification Process : I question the methods used to verify this account without my signature. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a detailed explanation of the procedures used to verify the accuracy of the disputed information. Please provide a comprehensive account of how this collection was verified and confirmed to be valid. 

In accordance with the FCRA, I request that you investigate this matter and remove the erroneous collection account from my credit report if it can not be verified. Please notify me of your findings and actions in writing. 

Attached are copies of my identification and a recent utility bill to confirm my identity and address. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days, as stipulated by the FCRA. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX/XXXX   partial account number XXXX. This account actually needs to be coded as an M1. ( Please see pages 6 and 7 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on numerous occassion to get an issue resolved with the credit bureaus ( XXXX, Equifax and XXXX ) without any success. Today I'm looking at some correspondence I recieved from you in regards to the account -referenced XXXX and XXXX respectively. It's occurring to me that they appear to be the same account. At the same token, whenever I disputed this account with the bureaus, they all respopnded that the account is verified. I contacted XXXX XXXX through an attorney and the account under XXXX and this was removed from my report, however and even more disconcerting is that XXXX is referring to the same account which makes no sense to me. Additionally, after incestigating there's a XXXX account referencing the same account on my XXXX  credit report. I'm very frustrated and I'm hoping that you can assist me in getting some clarity to this madness. 

Much Appreciated.
Product: Checking or savings account

PNC bank made new policy of charging $ 7 monthly fee if account doesn't have sufficient funds of $ XXXXminimum. I contacted PNC customer service on numerous occasions to protest insufficient amount service fees of {$7.00}, yearly {$84.00} fee!!! I consider this to be legal stealing money from customers. Through last five years PNC stollen {$420.00} from my account by implementing new stealing in law policy. Not enough for CEO salaries??? I consider this extremely unethical and disturbing! I request refund of {$420.00} back to my account.
Product: Debt collection

I submitted a 30 day notice for moving out of an apartment. The office manager claimed I did not and tried to charge me another months rent and expenses. I submitted a written 30 day notice with my rent check as I was told to do. I verbally told them about 30 day notice, as well. The rent check was cashed, so I assume they got the written notice, too. I had the apartment professionally cleaned upon departure ( much, much cleaner than when I moved into the apartment ), I was completely out of the apartment days before the 30 days were up.
Product: Checking or savings account

I can't withdraw any money out of my bank account, they locked my account for no reason, I have called TD Bank customer service 6 times to get my XXXX and external transfers to unblock, but I get the same message back, wait for 48 hrs and it will be unlocked but it never gets unlocked.

I literally have no access to my $ XXXX funds, and they even charged me {$25.00} for a " maintenance fee '' at that time as my balance was less than $ XXXX. Why would I deposit more money into such a bank?
Product: Credit reporting or other personal consumer reports

The account in question, XXXX Account # XXXX, was charged off in XX/XX/year>. However, TransUnion has repeatedly updated the account as " charged off '' every month since then. This continuous update is misleading and inaccurately reflects the payment history of the account. 

A charged-off account should not have an active payment history after it has been charged off. By improperly updating the payment history, TransUnion is manipulating the statute of limitations, which is misleading and harmful to my credit report. Additionally, I believe that TransUnion 's neglect to properly investigate this account has resulted in the continued reporting of incorrect information. 

This inaccurate reporting has violated my rights, and I am demanding that TransUnion delete the XXXX account # XXXX from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor did I authorize these companies to pull my credit. There are names on my credit profile in which I do not recognize.
Product: Mortgage

My complaint is against Green Tree Mortgage Company, soon to be XXXX XXXX XXXX A few years back, I was unable to secure homeowner 's insurance on my residence because the Homeowners insurance company said that my roof was too old. As a result, Green Tree forced an escrow on my account to pay for Corporate placed insurance on my residence. This year, I was able to have a new roof put on my home, and as a result secure full homeowner 's insurance on my home. I paid for the policy in full. I then called Green Tree and asked them to remove the escrow account since there was no longer a need to have forced Green Tree Corporate Insurance. What would the escrow be paying for if the homeowners policy secured outside of Green Tree was paid in full? Green Tree refuses to cancel the escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WOULD LIKE ALL FRAUD ACCOUNTS AND INQUIRIES REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed items in my report which was affected by theft. I was reporting fraudulent charges in my previous cards, unknown accounts and inquiries but I do not get any response from the bureaus.
Product: Credit reporting or other personal consumer reports

Years ago I could utilize myEquifax to freeze and unfreeze my credit score. After a few years I could not do this. Since then I contacted Equifax every year and every time I contacted Equifax they falsely blamed password issues and marked each case as " resolved '' and stopped responding to follow ups. This was also the case in their first response of my XXXX complaint. 

Only after a XXXX complaint and a follow up there, Equifax provided the following statement : " " We appreciate the opportunity to address this matter and apologize for any inconvenience you have had so far accessing your myEquifax account. 
Upon further review, the option to utilize the online website, MyEquifax is not available to you. This decision is based on the information that you have provided during the account creation process. 
There are alternative methods to place a security freeze or fraud alert that is recommended for you that includes sending your request by mail or by phone :... 

Equifax did not respond to the reason of this, nor provided a revolution. Promptly lock/unlock is an important part in todays banking world, especially since financial companies like Equifax have been mishandling personal information in the past.
Product: Checking or savings account

I contacted XXXX XXXX on XX/XX/XXXX when I noticed a charge. The charge was from XXXX and I had not received the item as scheduled. I tried to contact XXXX, but could not due to the XXXX rioting in XXXX. I thought my order wasn't delivered because of the mess. I emailed and called XXXX. Finally I received a letter from them saying I wasn't billed and the transaction was not completed and to contact the Bank for any issues with funds. I did this and TCF still has not recovered my funds as promised. 
I have been chasing my money since then and TCF won't stop with their errors. They recently changed their banking hours, started back dating debits with no descriptions, charged overdraft fees despite all the mess with their systems and merger. The reps take no accountability at all.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$440.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$410.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$600.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1200.00} XXXX # XXXX XX/XX/XXXX -- {$240.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion
Product: Mortgage

We refinanced our mortgage and it was transferred to BSI Financial. BSI has for 3 months failed to add in our payee escrow information for both our property tax and property insurance. We have been current with our payments and the company required an escrow account ( which has the necessary funds in it ). We have received no communication of escrow payee concerns nor do we have the ability to add the payees ourselves. I was just assessed interest on my property tax quarterly payment and it is unclear if my next quarterly payment will be paid via the escrow account or by myself. In order to avoid further penalties from my town, I had to pay the overdue notice from my checking account even though the necessary funds are in my escrow account. I emailed the company earlier today asking for clarification.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : TransUnion XXXX XXXX XXXXXXXX XXXX, PA XXXX I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.

The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! 

The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it! 

Below is a summary of the data in which I am challenging : Personal Information for Transunion NAME : XXXX XXXX XXXX XXXX Can you please delete any names in your system that don't match mine? I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any names in your system that don't match XXXX XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX Your most up-to date personal information should be accurate, timely and verifiable. If you don't have the proper documentation for your credit profile then it's not in compliance with FCRA or Metro 2 standards. Please delete any address in your system that does not match my address of XXXX XXXX XXXX XXXX, CA XXXX Yours Truly, You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or Metro 2 law XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX, CA XXXX I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.
Product: Debt collection

Contact Experian twice XX/XX/2019 and XX/XX/2019 to remove XXXX XXXX XXXX from my credit report because it violates HIPAA laws the account number is XXXX {$1000.00} ( XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  - XXXX - XX/XX/XXXX - {$140.00} XXXX  - XXXX - XX/XX/XXXX - {$100.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$60.00} INQUIRIES : XXXX/XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  DOD - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a dispute was filed with credit agencies under the FCRA, 15 U.S.C. 1681, challenging certain information on the credit report. After 30 days without a response, another dispute was filed. Currently, a third letter is being prepared, including an identity theft report, requesting the agencies to block or remove the disputed information within four business days as per the FCRA. Additionally, a dispute was filed through the CFPB and another one is being filed through the CFPB with the identity theft report. removed listed inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>