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

Equifax, XXXX, And XXXX is reporting inaacurate and unverified late payments. I recently asked the 3 bureaus to investigate the deliquent accounts. I recieved information that the accounts were verified and accurate without any proof. I have never been late, so these accounts should not be reflecting late. I ask for amethod of verification.

1. What did your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2. What certified documents were reviewed to conclude your investigation?

3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4. Please provide proof of your timely procurement of certified documents.

5. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

6. If yes to above : A. Who did you speak to?

B. On what date?

C. What was their position?

E. What telephone number did you call?

F. What is the name of the employee of the company that spoke directly to the above party?

G. What is the position of the employee of the company that spoke directly to the above party?

I. What formal training was provided to this employee to investigate items of this kind?

J. Was there any e-mail or written communication between members of your company and the employee that youve spoken too?

7. If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

8. Provide the date of the commencement of delinquency 9.Provide the SPECIFIC date reporting that these items will cease There is no question that you willfully violated my rights and that I could bring charges against you immediately. I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of inaacurate information, I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This is my second time contacting you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Please delete ALL other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX is NOT my address. XXXX XXXX XXXX XXXX XXXX XXXX is NOT my address. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 

Please also remove all employer names from my report. I do not know why XXXX XXXX XXXXXXXX is listed as my employer because I never worked at this place. This information is incorrect so please REMOVE all employer information immediately. I attached my id, SSC and valid proof of address to this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Credit card

I was on vacation in XXXX XXXX XXXX Florida, I booked a VRBO for 11 days, I was there for 4 days from the XXXX XXXX XXXX XXXX, 2023. 
I communicated with property Management and I made them aware I had to leave early my daughter was diagnosed with XXXX. 
The Manager of Property advised they would change my stay to end on XXXX th and rebook and refund the difference. They didnt. Nor did they refund my security back. So I submitted a dispute with Navy Fed my credit card co.. uploaded proof of communication 15 pages the host of property refused to communicate with NFCU! NFCU want additional info from me, the property mgr changed the rate per day if my stay, from XXXX $ per night to XXXX $ without my permission or knowledge ( cooking their books agaitge law per IRS and VRBO policy. VRBO removed them off their site for violating their policies. NAVY Federal still will not reverse my credit card even though I uploaded proof of host agreement to refund my stay and lack of communication with NFCU AND VRBO! 
They ( the property mgmt even changed the dates to coincide with my stay so that further solidifies their agreement to refund my stay of 7 days. NFCU refuses to do anything to help me. I advised I would reach out to you, the NYS Attorney General and IRS for them adjusting their books without my permission or knowledge. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was informed based on this website CFPB that federal student loans were automatically not being charged interest or late payments being reported to Credit Bureaus per the CARES act. However, XXXX reported to the credit bureaus that I had a 90 day late payment which has affected my credit score and it dropped 93 points.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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
Product: Money transfer, virtual currency, or money service

I am following a complaint due to Cash App and adequate customer service and unfair practices which violates consumer financial protection act. Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, that dispute resolution was unfair and deceptive as they do not comply with error resolution requirements under the electronic fund transfer act and regulations E. These actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations.
Product: Checking or savings account

Thursday, XX/XX/XXXX, unauthorized charges were attempted on a locked debit card which was supposed to deny all attempted transactions. After receiving a message from Ally Bank 's fraud protection program, I checked my account to find attempted charges. After attempting 3 times to call the fraud phone number for Ally, I finally spoke to someone who said that my card would be flagged, cancelled, and a new one sent out. I was also assured that the attempted charges had been denied and would not post to my account. After getting off the phone with the fraud department, I called the normal number for the bank and waited on hold for over 40 minutes to be assured that my money was safe, my card was cancelled, a new one sent out, and that the charges had not been allowed and would not post to my account. Today, XX/XX/XXXX, I checked my bank account to find that the charges had indeed posted to my account. This is not the first time I have had a debit card number from Ally bank stolen, and I have taken measures to keep my card locked at all times and only use it for ATM withdrawals. Ally needs to be held responsible for their failures to protect consumer information.
Product: Credit reporting or other personal consumer reports

I have settled a debt with XXXX XXXX which is the debt collector for XXXX XXXX XXXX XXXX In exchange for me settling this debt it was agreed that this would be completely removed from my credit report with Experian. However EXPERIAN AND XXXX XXXX  has violated my rights by still reporting this impactful information on my credit report. I have already submitted a complaint to the CFPB which is attached and XXXX XXXX responded saying the did receive the payment. I would like this removed from my credit report immediately and I am seeking monetary relief for violating my consumer rights. Also, It's been 7 years since this account has been closed, there's absolutely NO reason why this account is still reporting on my credit report. I am holding XXXX XXXX XXXX EXPERIAN responsible and I am seeking monetary relief from both companies.
Product: Vehicle loan or lease

I noticed that both Companies BridgeCrest and XXXX are failing to accept my Right To Rescind under code 15 U.S. Code 1635. And cfpb 1026.23 Right of Rescission. Also on the forge contract it gives an option for Arbitration agreements require that persons who signed them resolve any disputes by binding arbitration, rather than in court before a judge and/or jury. What is binding arbitration? Binding arbitration involves the submission of a dispute to a neutral party who hears the case and makes a decision. 
BridgeCrest is a scandalous company along with XXXX, the Bill of Sale and Retail installment Agreement has a digital computer signature that was added to the documents. I never signed. It was never sent be XXXX through email or upon delivery of the terms, conditions and none of the information was extended warranty. I tried multiple times to contact XXXX and was unsuccessful. BridgeCrest failed to provide a proper remedy. I have compare my signature on the documents and I have a email from XXXX stating that didnt know I had an account or email associated. I had to provide them it. Which come to my next issue if they provide me the documents through email, upon delivery of docs and car they would have known my account information. I spoke with one representative over the phone she told me she will contact XXXX and call me back and she never did. Provide me the proper information pertaining to the arbitration process immediately. Which means a date, time, a representative an $ a solution because that Information that was provided on the contract is inaccurate because I tried that process as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrote Experian a letter, and mailed it on XXXX XXXX, and advised Experian that I am a victim of XXXX & Experian security breach. Advised, Experian to delete the following inquiries that are an result of the breach. Have not received any correspondence from Experian. The following inquiries are part of the breach, which I requested deleted are : 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
Product: Checking or savings account

Upon having my identity stolen from the scammers simply obtaining my phone number on XX/XX/XXXX, I notified Chase through a call placed from my XXXX XXXX ( XXXX  ) and this is documented in their system, no actions were taken. The next day, multiple fraudulent checks were written in CA ( I live in NJ ) in the tens of thousands after the scammer gained entry into my accounts which holds 3 separate accounts ( checking, savings, and a joint ) and 1 credit card. The scammer was able to abuse Chase 's system and use the stolen number even after an entire week of my visiting/calling the company to put an end to this.

Chase and its representatives has been extremely uncooperative and unprofessional at times. I must have waited through 50 different transfers throughout this ordeal. The teams are all fragmented which requires the customer to navigate the company 's internal teams to retrieve any info. After having removed my phone number from the contact info on the app on XXXX the stolen number still existed as 2FA and in the Chase credit card account. I did not know about this until a full week and a half later. 

Now, after having waited almost a full month, {$13000.00} still has not been recuperated. Chase has shown that it does not deserve the status, respect, and trust of its clients. I for one can not understand how this bank was able to let the scammer move funds around unabated and unhindered, while making it almost impossible for the real customer to get any real help. A month later, 3 reports have been filed, an FBI report was filed, 2 CFPB complaints ( including this one ), the next thing is small claims court.

This complaint is to supplement the one already filed. In the previous complaint, I asked why Chase did not put an end to what the scammer did earlier when I had provided them the warning to " lock everything down '' on XX/XX/XXXX at XXXX XXXX. This complaint is to document that it has been almost an entire month since the incident and no information has been provided to us. Let it be known that I have provided Chase all the documents asked : an affidavit as to what happened, a statement saying I was not aware of the illegal access, and a police report.
Product: Debt collection

I called the debt collector this morning and they refuse to answer my questions. XXXX question was can I speak with the person who's name is on the letter. This person does not exist. They put a name for reference only, apparently. XXXX question, what is this about, Without verifying personal information they refuse to talk with me. even though I am giving all the information from the letter they sent me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to open a bank account and she informed me there was a security freeze. I have provided a copy of my driver 's license and ss card for identity verification.
Product: Mortgage

Wells Fargo Home Mortgage. Trying to refinance has {$22000.00} in overdraft charges along with {$40000.00} in unexplained " Other Charges '' I can't get refinanced now
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022. I checked my credit score on XXXX XXXX and saw a Credit Card opened on XX/XX/2022, for a credit limit of {$4000.00} that was XXXX  % used up that I had never opened and had never used. This told me that someone stole my information to open this credit card and that I am being a victim of Identity theft. This caused my credit score to drop XXXX points. I already contacted the bank in Oregon, XXXX XXXX XXXX XXXX, to let them know this credit card was open fraudulently and that it was identity theft. I as well contacted all three credit bureau to let them know that I was a victim of Identity theft and put a fraud alert on my credit and as well dispute this Credit Card and restore my credit score. 
I contacted my local police department to make a report. The officer in XXXX told me to file a complaint with IC3.gov, which I did.
Product: Debt collection

AR Resources Inc is attempting to collect a debt which has already been paid. The original creditor,  XXXX XXXX, accepted payment of XXXX XX/XX/16 from my insurance provider. The account was previously listed on my XXXX  credit file as a collection under XXXX  XXXX XXXX XXXX, whom I paid {$120.00} ( amount XXXX deemed liable ) in XX/XX/2016. The collection was subsequently removed from my credit file in or around XX/XX/2016. 

The same charge is now appearing on my credit report, under a different collection agency despite the fact the original creditor was paid and notified to contact my insurance provider for any additional funds or information. In short, the creditor has already been paid and is attempting to get paid again. 

I also want to note that AR Resources is still listed as a collection on my XXXX credit report, despite the fact XXXX  removed it after completing the investigation referenced above.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : CXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

Several thing on my credit that does not belong to me at all Ive tried to dispute them but no luck
Product: Debt collection

This is my third complaint against Halsted Financial Services , LLC . They keep calling me despite my request almost a month ago to stop. I filed complaints which were responded to by XXXX XXXX of Halsted Financial Services , LLC . I spoke with him personally and he assured me the calls would stop. The next day I received 1 call, and today, 5 days later I've received 4 calls within a few hours originating from  XXXX caller IDs. It is my hope CFPB is able to take further actions against Halsted Financial Services, LLC for what I now consider gross disregard of my requests.
Product: Credit reporting

In reference to XXXX XXXX # XXXX account. 

This is my FIFTH REQUEST asking you to remove the unverified account. I have disputed this account several times online and in writing with no resolution. This account still remains on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? 
You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed account which means that you have NOT verified or you can not verify this account and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies did not had permission or authorization to request a copy of my credit report. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX I demand the deletion of these inquires from my XXXX report, they are unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletions. Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I XXXX XXXX did some more research on the repossession I am trying to get removed from my credit report. In the state of Oklahoma they are required to put in writing how much to get the vehicle back, when and where they are selling the vehicle such as a public auction or private auction. What time and how much. Also aren't they supposed to deduct what ever they sold the vehicle for. Please get back to me and thank you kindly.
Product: Checking or savings account

My bank has n't responded to XXXX in reporting my savings account balance so that they can activate my account. My account is currently pending and they need a response from my banking institution.
Product: Credit reporting or other personal consumer reports

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries and accounts. Block and remove them.
Product: Mortgage

Total title fees charged for XXXX XXXX 's, Loan Depot 's affiliate third-party, services increased by {$300.00} over the amount provided in the loan estimate disclosure. The additional {$300.00} represents a 42.3 percent increase over the initial disclosed amount. There were no changes in to the loan terms XXXX loan amount, interest rate, term, down payment, nor cash to close XXXX. The increase is in violation of RESPA. 

Title 12 Chapter X Part 1029 ( Regulation X ) requires that loan estimates be provided in good faith. Section 1026.19 ( e ) ( 3 ) ( ii ) details circumstances and limits for which charges for a third-party 's services or a recording fee can be increased. Because there were no " changes in circumstances '' the increase in fees is in violation of Federal regulation.