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

I HAVE FILED WITH THE FTC, I HAVE WRITTEN ALL THREE BUREAUS, INCLUDING XXXX   ... ... ... ..
Product: Credit card or prepaid card

Chase Bank is offering a Top Spend Category promotion that is supposed to be available to all Freedom Flex cardholders. I am a Freedom Flex cardholder, but Chase is refusing to honor this promotion. I have attached two screenshots as proof of this offer which is open to everyone holding this particular credit card. I did not see any exclusionary terms and conditions.
Product: Debt collection

I am filing this complaint against AMERISOL for reporting a medical debt on my credit report that I do not recognize. I have no knowledge of this debt or its origin. Additionally, the account is being reported as both an open account and a collection account with a past due balance of {$510.00}, which appears to be a violation of reporting standards. This erroneous information is negatively affecting my credit profile, and I request that it be investigated and removed from my credit report immediately.
Product: Debt collection

I was contacted by this company about a private student loan by XXXX XXXX. I expressed to the rep this loan is since XXXX, was discharged in bankruptcy. The rep was rude try to explain private student loans are not dischargeable I explained to her it was they had opportunity to dispute debt. 

She told me to talk to my attorney and he would explain it is not dischargeable. I explained to her private loans were dischargeable in XXXX when I filed and they had till XX/XX/XXXX to dispute. 

I told her I would be filing a complaint she was rude, dismissive and attempted to get my cell and mailing address. Did not request copies of filing or the discharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all 3 credit bureaus about hard inquiries and the soft inquiries from pre approved credit cards on my accounts. I have had security freezes and active fraud alerts on all three credit bureaus agencies for years now because I was a victim of identity fraud. I have called and now sent letters to all three bureaus to erase the hard and soft inquiries that are not related to XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX. The rest need to be taken off and they all keep giving me the run around. I have also contacted all companies and they can not tell me a rhyme or reason why my report was ran and when I tell the credit bureaus they tell me to contact them back and essentially do nothing about it
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted another dispute request for my mortgage account with XXXX XXXX XXXX. The account has been disputed multiple times for missing data and inaccurate data. Each time the account comes back verified. 

Currently the account is missing years or data, and reports past due, and even shows XX/XX/XXXX as current, the. Lists XX/XX/XXXX as XXXX  days late, even after submitting evidence. 

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputes information in my credit report, leaving inaccurate and unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of outcomes. These failures align with my experience, where Experian has either corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting an immediate corrective action to remove or amend the disputed accounts, as Experias inaction violates federal law and my rights as a consumer.
Product: Debt collection

I am getting calls from Sunrise Debt Collection. I have emailed them that I have the number they are calling. They have told me that the name on the account does not match my name. The number XXXX is mine. I have a debt free life & have told them so. Despite telling them on more than one occasion not to call they persist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following fraudulent inquiries from my Equifax credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Using name, address, date of birth, driver license all for financial gain. Trying to collect the debt that is not due, that they have created themselves. I think this company is committing extortion. It looked like some type of Ponzi scheme.
Product: Credit card or prepaid card

Called XXXXXXXX XXXX  ( XXXX ) on XXXX for help disputing an incorrect XXXX WEB ORDER charge for {$1200.00}. I provided the necessary information and was told someone would be in contact. I received a XXXX letter the week of the XXXX explaining that the charge never posted and no further action would be taken. I contacted XXXX via phone and explained that the charge had in fact posted and been paid at that point. The lady looked up and confirmed the letter was in error and they did show the charge posted and would place it in dispute at this time. She transferred me to another lady who asked a series of in depth questions around the transaction and explained they would issue a credit for the charges while they worked to resolve the dispute. I received another XXXX letter on the 3rd advising that a credit had been issue but a series of documents asking the same questions were included with the letter. On XXXX, I attempted to call XXXX to ask if this was needed since clearly it was the same questions previously provided over the phone. I was unable to complete this question due to the amount if account verification information that was being required. I was asked by XXXX first to verify account information which I did before being transferred to XXXX. XXXX proceeded to ask ( and I'm serious, pull the call ) for my full name, address including zip, last 4 of SSN, DOB, and a code from a verification SMS that was sent. At this point I cleared the call since this clearly is not intended for any type of account verification and instead is an intentional hurdle to keep for providing customer service. I would like help resolving the billing dispute but I am unable to work through the intentional hurdles to even ask questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. BK OF AMER Inquired on XX/XX/XXXX, BK OF AMER Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Debt collection

This representative from a XXXX collection agency ( # is XXXX ; then continued calling from an unknown number ) calls me repeatedly ( averages about XXXX20 times per day back to back ), and cusses me out calling me all kinds of names such as XXXX scum of the earth '', etc. I have told him that I will file a complaint and he says that he does n't care, and will have me arrested for not paying my debt. I am tired of his harassment. He refuses to give me a name but says he can be called XXXX I am tempted to call the police on him.
Product: Credit reporting or other personal consumer reports

I am distressed that XXXX have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. XXXX account XXXX
Product: Checking or savings account

I hope all is well. The reason for my complaint is I deposited a check and received an email on XXXX that my check will be deposited in 2 business days. Then I received an email at XXXX am this morning XXXX that my check was not going to be processed until XXXX business days. I have already paid bills because I received misleading and conflicting information. If I receive any fees due to this I definitely need to be refunded. Please process my check like your email initial stated in 2 business days. This isnt right to state that my check will be processed in 2 business days and then turn around and say 5 business days. I have urgent matters that I need to handle and I was expecting 2 business days because that is exactly what your email stated. Thank you for your time. Have a wonderful day!
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. 

Account name : XXXX  XXXX Account number:XXXX  has violated my rights. Or list of inquiries 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 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: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, car was broken into and my docments was stolen and i atthached the police report made by the following companies 1=XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, per the Fair Credit Reporting Act section 611.
Product: Mortgage

i purchased my home in  XXXX   XXXX  which was financed through  Homebridge  with a VA mortgage. Initially my piti payment was  XXXX  then in  XXXX  after escrow analysis my payment went up to  XXXX  now again in  XXXX  they have increase my  PITI  p to  XXXX . This is an extra  XXXX . / year they are collecting from us now when our property taxes have only increased by {$1500.00}. I have called HomeBridge several times during this month -  XXXX   XXXX  - for a response to why they have increased our payment so much. They sent us another projected escrow analysis which is not even correct. no one will call y ou back from the escrow department and customer service department can not transfer you to anyone to discuss either. This is a serious financial hardship for a family of a  XXXX  vet when you purchase a home with a fixed rate mortgage and you are being over charged for your escrow with your monthly mortgage payment increasing {$450.00} over 18 months and No One will discuss this with you to verify why. I am reaching out for some assistance and to have our escrow reassessed so we have a more accurate monthly payment.
Product: Credit card or prepaid card

XX/XX/2019 my card was declined at local store. I tried to log into App several times on my phone but it said error wrong password. I then called number on back of card. I made 40 calls, they hung up on me saying call back with correct security information. One rep mentioned my account was froze due to my failed attempts to login to app. XX/XX/2019 i made multiple calls again. They claimed to have difficulty verifying my identity. I explained I had not made any changes to my account since I opened several years past. Finally a rep was able to verify my ID by calling me while i was on hold with her, i answered the call waiting, proving my ID. She assured me my account was frozen and a card was being sent to me. Instructed me to activate upon arrival and then I could access account. I declined the {$20.00} rush shipping charge, regretfully, waited the expected 10 days. But no card came. XX/XX/2019 I called and they said account was at {$0.00} balance and closed, said I had to write a letter explaining problem and gave me a address in XXXX, GA to mail it to. XX/XX/2019 I mailed a notarized letter. I tracked it, they received letter XX/XX/2019. I have not had any response or access to my account yet. XX/XX/2019 called still no resolve. XX/XX/2019 still no response. XX/XX/2019 I filed a FTC ID theft report. I mailed it with notice of Unauthorized Use of Debit card on XX/XX/2019 I included copies of previous letter, prior shipping receipt, copy from notary, copy of my CA ID and bank card to prove i have in my possession. No response still. I had over {$7000.00} in account when i last was able to accessed XX/XX/2019. My payroll and tax return have been direct deposited for years. I have been waking with a headache for weeks. Please help. As if the hardship isn't enough. I spoke with XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX.
Product: Debt collection

XXXX XXXX  XXXX XXXX, had placed a debt on my credit files that wasn't mine which caused a 41 decrease in my fico score. This company did remove this debt from my credit files but I never received back the credit points I lost added back to my fico score. This is with experian
Product: Credit reporting or other personal consumer reports

The report on XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  open original balance {$500000.00}. Balance owed {$18000.00} over 120 days past due account number XXXX. On the same report it list XXXX XXXX XXXX  in which purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX closed account paid account as agreed original balance {$500000.00} balance owed {$0.00} however it shows in XXXX  as late payments in XX/XX/year>, XXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised serious concerns about Equifaxs failure to conduct proper investigations. The CFPB alleges in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, contrary to its obligations under the Fair Credit Reporting Act ( FCRA ).

Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax must conduct a thorough reinvestigation of disputed items within 30 days. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) requires that any inaccurate, incomplete, or unverifiable information be corrected or removed promptly. Failure to meet these requirements constitutes a federal law violation. 

I am disputing the following unresolved negative items on my credit report : 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 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 XXXXXX/XX/XXXX Despite my repeated disputes and providing all necessary information, these items remain unverified. This inaction has caused significant financial harm and emotional stress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my personal credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquires. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and records from my credit file. As a victim of a data breach, I have identified the following items as fraudulent : XXXX  XXXX Bankruptcy ( Case Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} ) XXXX  XXXX Bankruptcy ( Case Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} ) XXXX  ( Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and I am submitting this CFPB Complaint to request to the Credit Reporting Agencies once again to remove he fraudulent accounts and information off of my Credit File in accordance with the Fair Credit Reporting Act section 605b. I am submitting this CFPB Complain to dispute the presence of fraudulent items on my credit file. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the deletion of inaccurate, incomplete, or unverifiable information from my credit report. Upon reviewing my credit report, I have discovered several items that are the result of fraudulent activity. These items were not authorized by me and are therefore inaccurate and should be removed from my credit file. Specifically, the fraudulent items I am disputing are : XXXXXXXX XXXX XXXX Balance : {$410.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance XXXX {$380.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance XXXX {$29.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX. ) XXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX ) XXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$340.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I have taken the necessary steps to report the fraudulent activity to the appropriate authorities and have provided documentation of the same. I request that you investigate this matter and remove the fraudulent items from my credit file as soon as possible.