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

I XXXX, XXXX the consumer natural person am challenging the validity of this alleged bankruptcy you have listed on my reports. I recently Challenged this same account with the credit reporting agencies and they came back stating that they have verified this account with Lexis Nexis. I have went to the courthouse, and they have also stated they did NOT verify this information. Please send me whatever documents of information you have personally used to verify this alleged bankruptcy, immediately. If you can not produce such documents this bankruptcy needs to be removed from my file as it is defaming my character. An please contacts all credit reporting agencies XXXX, XXXX  and XXXX  to have this bankruptcy remove immediately. The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974
Product: Credit reporting or other personal consumer reports

I asked XXXX to fix errors on my credit report or delete the account they did not fixed the errors to dlelete the account they I honored my problem I have been disputing with them for a year now
Product: Credit reporting

" XXXX XXXX XXXX '' credit inquiry reported on XXXX/XXXX/2016 is not something I authorized. I suspect my identity has been stolen
Product: Checking or savings account

Opened a Citi Bank Account on XX/XX/2020 under a promotion that said I could earn {$400.00} on depositing {$15000.00} and keeping it there for 60 calendar days. When I asked " How quick is the bonus paid out, '' she told me " With 1 - 2 weeks ''. On XX/XX/XXXX I completed those 60 days and today XX/XX/XXXX I still have not gotten my bonus. After calling Citi Bank to tell them the situation I talked to one customer service rep who I explained the information too and she said " I will transfer you to a banker to switch your account to a basic bank account because you signed up for premier checking. By switching you over to a basic account which only requires a {$1500.00} balance to avoid a fee while the premier checking requires {$10000.00} to avoid the fee and you still get the promotion bonus of {$400.00} for signing up within 90 days. '' First off, the banker told me I would get paid out the bonus within 1-2 weeks and now the Citi Bank rep on the phone is saying up to 90 days? Had I known this, I would have not signed up for the account in the first place! Then, when I got transferred from one Citi Bank associate to the Banker who was going to help me open up the account, I told him everything the other associate had told me about " By switching you over to a basic account which only requires a {$1500.00} balance to avoid a fee while the premier checking requires {$10000.00} to avoid the fee and you still get the promotion bonus of {$400.00} for signing up within 90 days. '' He informed me that this was incorrect and that I had to keep the account open as a premier checking account to qualify for the bonus. It seems that no one has their facts straight and I feel like I was being misinformed the whole time and I do not know who to believe! I simply want my bonus deposited like I was told I would be!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX shows a late payment in XX/XX/2018 on my credit reports with all 3 credit reporting agencies. XXXX XXXX has provided a letter stating that this payment was not late and that they reported as paid on time XX/XX/2018. Because they reported it correctly they aren't able to submit a change and said I need to dispute with XXXX, Transunion and XXXX. I have tried with no luck getting the information corrected. This late is causing me to not be able to refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to UPDATE these unverified accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Im filing a complaint due to capital ones failure to deposit my deposit from my employer. Capital One has cited technical issues which violate the EFTA as it requires timely access to funds. I have been met with overdraft fees due to their failure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the original creditor on my report about a charge-off claim. They told me that they didnt have or own the debt. They gave me a number to a collection agency to call, who told me that they didnt have or own the debt either. The collection agency gave me another number to call, which was another collection agency, who told me the same. This CA gave me the number to the original creditor to call saying that they have the debt, in which sent me through a repeat cycle. I gave XXXX a call to dispute the account and told them about the experience. XXXX did their investigation and removed the account. I did the same with XXXX, who also deleted the account from my report as well. Ive disputed multiple times with Experian, online and by phone, to no avail. Experian has failed to do a thorough investigation of my dispute claim resulting in the negative account standing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? 

there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 

if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with covid for a year and alot of abuse was done to my credit XXXX TransUnion XXXX Account Number XXXX XXXX XXXX Original Lender XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Share Agency Name XXXX XXXX XXXX XXXX XXXX  Date Assigned XXXX XXXX, 2022 XXXX XXXX, 2022 XXXX XXXX, 2022 Original Balance {$360.00} {$360.00} {$360.00} Current Balance {$360.00} {$360.00} {$360.00} Responsibility Individual Individual Individual Status Unpaid Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department
Product: Mortgage

My mortgage servicer made a huge error on my annual mortgage escrow analysis. After complaining to the CFPB they finally fixed it. I delayed making may XX/XX/XXXX payment until XX/XX/XXXX, waiting for them to fix the error and correct my payment amount due. 

They charged me a {$5.00} processing fee for making the payment, which was not disclosed to me when I initiated the payment. 

This is rediculous. They mess up my mortgage escrow, had to refund me over {$1300.00} in excess escrow balances, adjusted my monthly payment down by about {$200.00}, then charge me {$5.00} for paying on the 6th of the month? 

This is the third time I've filed a complaint against this servicer. Filing complaints is the only way to get them to fix their errors. They should be fined.
Product: Checking or savings account

I was using Zelle and I have sent money to the wrong person using Zelle but this was before they offer the are you sure your sending it to the right person option and I was never able to get my money back.
Product: Credit reporting or other personal consumer reports

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

The file identification number is XXXX to a dispute that I have filed several times in regards to a dismissed Bankruptcy case that was never file or entered and TransUnion continue to report it inaccurately after the certification has been mailed to them and I have complained several times to CFPB about this matter. The court is inaccurate the Disposition is inaccurate. The case is XXXX IT WAS FILED IN XXXX XXXX XXXX United States Bankruptcy Court XXXX XXXX Division located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they have it reporting from XXXX Bankruptcy Court and has the disposition as DISCHARGED when it was dismissed and never entered in the court, I have been disputing for over a year sending in the certified Copy of Document 41 from the courts. And TransUnion has failed to update my credit report I will attach the same document that was sent to TransUnion Certified and they will not correct. 
I also Disputed this with TransUnion third party agency LCI THROUGH EMAIL AND THEY STATED TO ME THAT THE INFORMATION THEY REPORTED WAS INACCURATE AND THEY ALSO SENT THAT INFORMATION BACK TO CFPB IN RESPONSE.
Product: Credit reporting or other personal consumer reports

XXXX XXXX sold my loan to MrCooper and I was not aware the loan transfer. I do have auto-payment with XXXX XXXX so I never thought there could be a problem with my mortgage payment. I noticed the late payment at the beginning of XXXX. I made the payments and setup the auto-pay with MrCooper. 

I called MrCooper in XX/XX/XXXX explaining the situation. The customer service was nice and said she will help me dispute the credit report. On XX/XX/XXXX I received the letter saying their inquiry will take 30 days. I called them again to see if they can expedite the procedure and they totally changed their response. They said what I did is useless, the inquiry result would be declining my request and they will not remove the credit report regardless of my situation. They don't care about the fact that the loan was transferred without my ackonwledgement. They first said they can help dispute and then they change their attitude saying they will do nothing. 

After the first time they told me they can dispute the credit report, I sent out an offer to buy a house and the offer was accepted. Now I'm facing a high risk of a huge penalty since later they refuse to dispute the late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY PULLED MY CREDIT REPORTS AND FOUND SOM EITEMS THAT WERE NOT MINE. PLEASE CORRECT/DELETE.
Product: Debt collection

In XXXX XXXX, I paid this debt in full in the amount of {$940.00} to the original creditor XXXX XXXX. As a result, the debt was also removed from my credit file and XXXX XXXX presented a XXXX dollar balance. On XXXX XXXX, XXXX, I received communication from Dynamics recovery attempting to solicit monies in the amount of {$1000.00}, which is even more than the original paid debt. The collection letter states they are working on behalf of a company called XXXX not the actual original creditor XXXX. The letter states XXXX owns the alleged debt. I 've never received communication from either company prior to this date. This appears to be a recycling of previous debts and fraudulent activity as I do not owe the alleged debt to Dynamic Recovery or XXXX. After receipt of the letter, I contacted XXXX XXXX who was able to confirm that I do not owe any money. I want this company to cease from any further communications or collection attempts on a debt I do not owe to them. Please stop selling my information to obtain financial gain.
Product: Student loan

XXXX, I called to request a refund for payment made during the pandemic and was told the request was being processed. There is no confirmation given. I called back XXXX weeks later to ensure the request was submitted. I was told it was submitted and they weren't sure how long it would be, because my refund was tied up with my student debt relief. I was under the impression these are XXXX seperate transactions?
Product: Debt collection

Upon reviewing my credit reports, I identified significant inaccuracies linked to account number XXXX. Despite filing a dispute with the major credit reporting agencies- XXXX, XXXX, and XXXX- the inaccuracies were verified as accurate, a conclusion that contradicts the evident errors present. 

The discrepancies, encompassing the last date of activity, payment history, account number, and balance, are of utmost concern. 
Consequently, I am formally demanding the immediate rectification of these inaccuracies. It is imperative that you promptly correct or expunge this erroneous entry from my credit report. 

Failure to initiate this correction promptly will compel me to pursue legal avenues to ensure the rectification of this matter. I expect this issue to be fully resolved within 15 days from the receipt of this complaint. Please confirm in writing once the necessary corrections have been made. 

Your swift attention to this matter is essential, I trust that you will handle this concern with the urgency it deserves. 

Sincerely, XXXX XXXX
Product: Bank account or service

I opened a checking account with a targeted new account bonus, which I correctly entered into the online application. I fulfilled the direct deposit requirement and all other bonus requirements, and was even told by a customer service rep that I would receive my {$200.00} bonus in XXXX - as of XXXX/XXXX/2017 I have filed several requests and have not been paid my bonus, as well as having been charged a monthly maintainance fee of XXXX twice, while i wait around for my bonus which is almost 3 months late now. I am very unhappy with US Bank in this situation, as they got a new customer without paying out the incentive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items will be deleted immediately. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, Is a victim of identity theft I am asking that my cases get reviewed properly for I have provided additional information proving these accounts doesn't belong to me. Please review my attached documents below and be sure to provide me with a feedback of the following accounts being removed.
Product: Debt collection

On XX/XX/XXXX I pull my credit report and found out that RMP LLC : ORIGINAL CREDITOR : XXXX. XXXX XXXX XXXX ACCOUNT # XXXX. I am filing this complaint against them for non-compliance violations. I wrote them a letter of validation on XX/XX/XXXX certified mail with return receipt. They received on XX/XX/XXXX. The RMP LLC, did not response with in 30 days. By not replying in timely manner to my initial letter on XX/XX/XXXX, you have not only violated federal and state laws, but you have also failed to provide me with copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The following non-compliance violations:1 ) They show no proof that they have an agreement with the original creditor to collect this alleged debt. 2 ) They have no copy of a signed contract where I allegedly agreed to pay the charges. 3 ) The medical bill reveals personal medical information about me. ( This is violation HIPAA- HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ), rules prohibit disclosing my individual 's protected health information unless you specifically authorized them to. 4 ) Creditor is reporting history inaccurately such as last date reported and last activity dates are all wrong : The case US Court of XXXX, XXXX XXXX, No. XXXX, XXXX XXXX XXXX XXXX. This defamation and causing me financial injury. The fine extent of damages incurred by the wronged party as deemed by the court. 5 ) Collection agencies " Re-Age '' by reporting the date of last activity instead of the date of the first delinquency. 6 ) Collection Agency, has not validated my debt and they are still continue to report to the credit bureaus. Consumer protection afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre fine of {$1000.00}. Be aware that I am making a final goodwill attempt to have you clear up this matter by removing this item from my credit report. I am maintaining a careful record of my communication. I further remind you and the credit bureaus as in XXXX XXXX XXXX XXXX XXXX, No.XXXX XXXX XXXX. XXXX XXXX, XXXX ) you may be liable for your willful non-compliance. This matter is harmful to me especially doing this COVID-19 panedamic please delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously called and requested an investigation from MACYS due to a fraud transaction made in my account. I reported these fraudulent transactions and they are well aware that someone from another country was placing online orders and having stuff delivered to different addresses in different states. 

I called MACYS about this and requested an investigation. I know that while the transactions are being investigated due to fraud no late payment should be reporting in my account while this is being investigated. The problem is when the bill is generated MACYS still charges me on fraudulent transactions plus bank fees. I am not liable for these fraudulent transactions and so I will not be responsible for late-payments and interest charges. The worst-case scenario is that this is negatively affecting my credit score. The late payments  reported from XX/XX/2018, XX/XX/2018, and XX/XX/2018 should be removed from my credit report. 

Account I am disputing : DSNB MACYS - XXXX
Product: Credit reporting or other personal consumer reports

please delete all the negative accounts in my report it's incorrect please make an action now! 

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 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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a reasonable reinvestigation of the disputed information on my credit report. As a result, inaccurate and unverifiable accounts remain unresolved. Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for systemic issues, including its failure to forward consumer-provided evidence to furnishers, accepting unreliable responses, and not properly notifying consumers of dispute outcomes. These allegations mirror my own experience, as Experian has neither corrected nor removed the disputed items despite the evidence I provided. This ongoing inaction continues to harm my credit standing. 

I am requesting immediate corrective action to remove or amend the following disputed accounts 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 Experian 's failure to address these disputes is a violation of federal law and my rights as a consumer. I expect prompt action to rectify this matter.
Product: Checking or savings account

I had a mortgage and a checking account with Bank of America. I paid off my mortgage and I " closed '' my out of state checking accounts in XXXX with XXXX  XXXX  XXXX  XXXX transferring funds to my in state checking by check. I also " closed '' my checking account with Bank of America in XX/XX/XXXX. I received a statement this month, XX/XX/XXXX, that I owe them a {$25.00} service fee. Since I have no money with them and have paid off my mortgage better than two years ago I am wondering what service are they giving me?
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. ( XXXX XXXX XXXX - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 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 have advised XXXX XXXX XXXX, XXXX that I am not obligated to pay a 3rd party on charged off account. I have asked them to remove my cell phone number XXXX from calling and they continue. 
This company is also reporting on my credit report as 30, 60, 90, 120 past due and the balance is same {$370.00}. I have asked them to remove these late payment marks because I am not within a contract with them only Best Buy, they have refused to. I have my consumer rights and this company has broken them.