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

Ever since XXXX I have requested experian and equifax to remove these fraudulent accounts due to identity theft. They didnt do nothing in XXXX and XXXX but XXXX remove the account and put it back on the report within a hour in the same day, when they must give you a 5 day notice of reinsertion. So both of these credit bureaus told me that both of my police reports and ftc reports were fake and instead they did a verification of the accounts to the maximum accuracy and I ask them why they denied my fraud report and I ask for method of verification and they said they dont have the information. I told them if they dont have the information that they must delete. The fcra 15 USC 1681 sec e ( b ) that my accounts my be accurate to the maximum accuracy or delete the accounts. I also looks my XXXX credit report, for your name, address and other items they have identifiers, so they can try to prove that the XXXX XXXX XXXX account and the other accounts under dispute right now, they switch the address from the address where the account was really open at and put my address I love at now but the house wasnt even built in XXXX or XXXX, these are over 120 days this year along where these accounts must be deleted because of non verified, inaccurate information reporting negative information under my report. So since they said the police report is fake if they dont remove this items I will give the police the letter and force them to subpoena in court, they didnt verify the accounts after they rejected the fraud ftc so the accounts should be immediately remove. I also approved for a {$440000.00} loan but got denied after a repulled where those accounts became charge off. I got denied 3 cars for turo and other loans as well, lost {$12000.00} bc equifax mark two of my positive accounts as fraud when I never disputed those. These two bureaus has cause so much damage in my life, cause me to be on medication for XXXX and XXXX. And hurt me financially, this is why I will never give up but it will be court from this point forth. I highly advised those bureaus to look at that inaccurate information and removed it because it is passed there time and tell equifax to not forget about the other accounts, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, that they have as a charge off and the other account thats at this moment is under dispute. Not one of these accounts are accurate
Product: Credit reporting or other personal consumer reports

For whatever reason Trans Union is now making more errors on my report than XXXX has historically been doing. This account is closed! Why they keep screwing up the reporting on it is beyond me! Per FCRA laws I should not have to keep disputing the same accounts over and again with this inept bureau! The bank is no better because they're positively and ultimately RESPONSIBLE FOR ALL REPORTING TO THE CREDIT BUREAUS!!! So I'm including them in this complaint because the reporting is coming from them directly! So they and Trans Union are completely inept! The CFPB just sued XXXX and XXXX for constantly not taking care of disputes filed by consumers. Do you want to be next?????? You recently got sued for misreporting info on employment background checks! I keep up on what's happening because I subscribe to the CFPB notices. FTC, FinCen and FDIC too! So I'm not an unaware consumer, I'm VERY aware of what is going on! So you're probably on the list to be next to get sued for bad business practices. The banks have been getting hit hard too and I'm glad!!!! All of you deserve to be put out of business! This is inexcusable. Both accounts have been closed for years! So this constantly getting info incorrect will not continue to go on! It will come to an end even if I have to force that end!!!
Product: Credit reporting or other personal consumer reports

I pulled my consumer report and noticed several non mailable addresses. To ensure I receive all mail from the United Postal Services, heres my corrected address XXXX XXXX XXXX XXXX, TX XXXX. 

My name should also read XXXX XXXX, ( XXXX ) XXXX XXXX, and employer : XXXX XXXX XXXX XXXX XXXX 

Remove any and all other information to relinquish all identity theft claims, including the information tied to these accounts as the information you are reporting are not mine. I have mailed this information to them XX/XX/XXXX with no avail. 







15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX have injuries on my report that I didn't do. I even called car place and they told me it's nothing the can do. Inaccurate info on report. Etc
Product: Credit reporting, credit repair services, or other personal consumer reports

An account from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) in the amount of {$570.00} was deleted from my credit report in XX/XX/XXXX due to lack of validation. However, the account was added back to my credit report on XXXX XXXX, 2017. Despite constantly disputing this debt with Experian, the debt still remains on my account. Per the Fair Credit Reporting Act, I was not alerted within five days ( or at all ) that the debt would be added to my credit report and I have yet to receive correspondence validating the debt or a copy of the original debt with my signature.
Product: Checking or savings account

1 ) Last summer when I 1st opened up the account they had misspelled my name 's on my ATM cards at this Regions Bank and then the 2nd card they mailed to a false address I went quite a few days and weeks without a functioning ATM card.

2 ) Last XXXX  I had my entire bank account wiped clean from an online predator and I filed reports with the FBI and the police department and Regions Bank never refunded my money and they're supposed to be FDIC insured 3 ) And lastly and without just cause I deposited a check last Friday they're saying they're holding it for over 2 weeks and they will not give me the reason why I am in serious financial  hardship and now because of the Corona virus not being able to work are having an income it's really put a stress on my day-to-day life eating gas and my bills I have filed several complaints with multiple agencies as well as the bank but they will not do anything about it they wouldn't refuse to give me back my check and they refuse to deposit the money.
Product: Mortgage

I live in XXXX Florida which was impacted by hurricane Irma in XX/XX/. 
I heard from other people that since I was impacted by the hurricane I could skip my mortgage payments. I called my lender & was told that since did live in a federal disaster area I could defer my payments to the back of the loan. 
I chose to defer three payments, XXXX, XXXX & XXXX, I then resumed my payments in XXXX. 
In XXXX I received a letter stating I was three months behind on my payments, I called them & they said I did not qualify & had to get current ( pay the three months ), which is around {$8000.00}, that I do not have, complete a homeowners assistance program, short sale or get foreclosed. 
Since I intend to stay in my house, I completed the homeowners assistance paperwork, they then wanted a hardship letter, which I have not completed. 
I feel this is not fair to me since I have never been late on a payment, they told me I could defer my payments then tell me I am three months behind & are threatening to report me to the credit bureau..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I noticed two debits for {$0.00} and {$0.00} from our joint checking account by XXXX that I did not recognize. I then received a letter on XX/XX/2020 that was dated XX/XX/2020 from Synchrony Bank and PayPal Credit stating they received an application for a new account on XX/XX/2020. They stated they could not open the account as they could not verify my identity. I can provide the reference # in the letter from Synchrony Bank and XXXX to identify the correspondence. I called Synchrony Bank on XX/XX/2020 and they confirmed someone used my identity to apply for an account with XXXX. They provided a phone number of XXXX for XXXX and instructed me to call them. I called XXXX and after 15 minutes of being on hold they answered the call. I spoke with an employee named XXXX with ID # XXXX. They told me they had to transfer me to the correct department. They transferred me and no one answered after I stayed on hold for three hours.
Product: Credit reporting or other personal consumer reports

in XXXX and early XXXX, My credit score was XXXX. Without any warning, my score dropped to XXXX, again leaving me with no ability to purchase real property or make request any significant financial assistance for future property purchases. It takes years to build a decent score for those of us who do not cheat the system.
Product: Debt collection

On multiple occasions a debit firm under the name XXXX XXXX XXXX based out of XXXX, CA continues to contact my relatives and myself claiming I have a debit owed. When contacting the company, they can provide zero information on the alleged debit and when I ask to talk to a supervisor they hang up. This is a scam and they have alleged legal action including jail will occur if I do not contact them. I contacted them and threaten I would report them to the XXXX Police, CA Attorney General and the XXXX. The lady hung up on me. I 've saved the VM left to me and the XXXX number and reference. It is XXXX ref # XXXX. I 'm drafting a certified letter that will detail they are not to call me again nor my family. Not sure what else you need, but the last call to me and to a relative was XX/XX/2017.
Product: Bank account or service

I had a XXXX mortgage loan with XXXX XXXX. The loan changed hands several times and ended up being serviced by Nationstar Bank. In XXXX 2011, I refinanced and rolled the XXXX mortgage into my first mortgage and at the time Nationstar released the lien. I recently discovered that they missed the original lien release naming XXXX XXXX and I 've been working with them for several weeks now to have that release sent to the XXXX XXXX XXXX 's office. Each time I call, they tell me the paperwork is in progress or waiting for signature. I spoke with their customer service rep last week and was told a supervisor would call to update the status of the release but I did not receive the promised call. Nationstar needs to release instrument number XXXX. Since this has not been done and I am not receiving promised calls, I spoke with XXXX @ the FDIC and she suggested I file a complaint with you. Is there anything you can do to get this paperwork finalized for me? I have been approved for an equity loan that is being held up by this lien. 

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

I was promised a deferred payment ( due to COVID19 ), I was not aware that they would not consider it deferred and would mark my XXXX payment as 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX. I am writing because though i have expressed many concerns with my credit report with the credit bureau, they have yet to remove this inaccurate reporting from my credit report. The following accounts are what's reporting in error : ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) I pulled my report and i know all accounts should be 100 % accurate, right. Well i found alot of things that are in violation of FTC. Please remove this account from my profile immediately. 

Report Number is XXXX from XXXX Credit Report Reference : Reference # XXXX
Product: Credit card

I applied to American Express for a platinum credit card and I was approved then denied, they sent my denial offer letter in the mail and I objected to the denial with my legal document that I sent to American Express. I was ignored and intentionally given the wrong address, which I have proof of because my legal document was sent through registered mail. I sent an adverse action letter denying the denial because after reading American Express prospectus, XXXX and XXXX filing with the security exchange I found some important factors. Pursuant to section 15G of the Security Exchange Act of 1934 credit can not be issued without collateral which I gave them already my application holds monetary value. My application was all they needed to extent credit to me, I can not be denied credit due to the fact that once my application was submitted and accepted it then became an asset backed security that this company will make millions off of. I have no problem with providing the company with what they need, I just want my account that I applied for opened and for it to be open ended with no present limit anything that is charged to the card will be accounted for is should I say paid back their words state that XXXX XXXX and XXXX. Ive been ignored purposely so the 30day window after the denial is given via written notice can be closed. If I dont get any help after this complaint I will be informing the sec XXXX This complaint was my last option in hopes that the company can make this right before I took that next step.
Product: Credit reporting, credit repair services, or other personal consumer reports

*THIS IS NOT A DUPLICATE COMPLAINT* Hello, My name is XXXX XXXX XXXX I'm contacting you today requesting accommodation for Account # XXXX. I spoke with a supervisor by the name of XXXX ( I'm not sure of her last name ). She informed me that it would take up to 30 days for the accommodation request to remove the " Late '' payment from my consumer report. However, It hasn't updated and I'm starting to get concerned. As I stated before My wife and I went to XXXX for our anniversary and wasn't able to come back into the country for 3 weeks because we constantly tested positive for XXXX. Unfortunately I had no control over this matter that resulted in me falling short on my bill one time. If you view my account you'll see I've never been late before or after this one time. I come before you today in hopes of you to accommodate and remove the " Late Payment '' that is reporting on my accounts from that struggling period of my life. Please take this into consideration and re-report the " Late Payment '' as currently to the consumer reporting agencies. This unfortunately situation is ruining my financial repetition. I'm contacting you today in hopes of receiving an update to my original inquiry or some sort of resolution to this issue.
Product: Credit card

this will be the 3rd attempt to get my application retracted. bank of america continues to ignore my request to retract my application. i have left several messages and have received no response. they have discriminated against me and withheld my access to my securities.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g.

They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted Account Name : XXXX XXXX  Account Number : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain.

Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. Best regards, XXXX XXXX
Product: Debt collection

KLS FINANCIAL SERVICES ( Original Creditor : XXXX XXXX  ) is reporting on my personal credit file with ( XXXX XXXX credit reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
KLS FINANCIAL SERVICES ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$340.00}
Product: Debt collection

The Cavalry company sent me a summary sheet from XXXX this is not debt validation under the code 15 USC 1692G
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX account XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  15 U.S.AC 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumers to any 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 am writing to request your assistance in correcting erroneous information on my credit file. There are accounts that belong to me but are reporting inaccurate status, which is misleading and adversely affecting my creditworthiness. I have reviewed my credit report and identified the specific accounts that require correction. Despite my attempts to resolve the matter with the credit bureaus and the creditors, the inaccurate information remains on my credit file. Please take a look at the following accounts and have them removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}. I am requesting that you investigate the matter and take the necessary steps to correct the erroneous accounts on my credit report. I am including a copy of my credit report with this complaint for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my personal and exact information from all 3 bureaus back to them via certified mailing and waiting to receive an update on my credit report to remove all negative and improper information on my credit report using the FCRA law that is illegal to gather my personal information for things that are unrecognized and selling information that arent opened to me actively and unable to apply to future loans and purchases for my FICO and/or credit score via XXXX. Dates from XXXX to XXXX with auto, credit cards, hard inquiries, and late payments inaccuracies are unavailable of receipts from these companies. I need a change of my credit report even as closed with monetary relief should be accounted for with my report status.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is reporting a debt on my account for a collection that is inaccurate. 
It also has incorrect information reporting. 
The amount is XXXX $ and XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions 15 U.S.C 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 Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} 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