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

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX, & XXXX XXXX BANK 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 a 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 EQUIOFAX CONTINUES TO REPORT THESE ILLEGAL LATE PAYMENTS I AM DEMANDING THESE LATE PAYMENTS REMOVED ASAP. MY NEXT STEP WILL BE THROUGH LITIGATION IN THE COURT.
Product: Credit card or prepaid card

I have travel cancellation/interruption service through Barclay 's XXXX ( provided by XXXX XXXX XXXXXXXX XXXX XXXX XXXX I had a trip interrupted due to covid in XX/XX/2022. I submitted all the necessary documentation on XX/XX/2022. The total costs were about {$700.00}. The company repeatedly emailed me again and again asking for the same forms. I repeatedly replied I had already sent them and gave them the relevant information. They never said the information I submitted was insuffiicent- just kept sending me automated requests over and over. Then on XX/XX/2022, I received an email from them stating that I had filed a claim for {$200.00} and they had paid me the {$200.00} ( I did receive this money in my account ). They did not deny my fulll claim or say there was anything insufficient about my submissions or that there was any kind of deductible - just that my demand was {$200.00} and they had paid me {$200.00}. I've sent multiple follow up emails since then and they won't respond or provide any basis for the minimal amount they paid me.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I was notified and sueing XXXX because of data breach have a security freez for free and XXXX refuses to I filed complaints to CFPB over or about XXXX times now XXXX has blocked me from disputing information on my credit account, Because of the XXXX   data breach I see on XXXX information hard inquiorys I didnt aplly for so called the companeys on the list and they have not ever heard of me and dont have me on file ever apllying so contact XXXX and they refuse to do anything then I found out that someone was working under my information in XXXX XXXX I live in XXXX. 
Then I wrote a letter to them 19 times about the problem they blocked me from writing then I had a piad account but they blocked me from that then after they blocked me from online account they still charged me for servicesw till my bank XXXX XXXX blocked XXXX from all accounts so no one can use there cards for them. 
then I called they blocked me form calling but by law they have to send me a letter showing the reason they blocked me and they have not I know this for a fact because they dont even have my right address so could not even send me anything so they told at one time that they dont dispute hard inquiries I had to contact they companies directly but they cant do anything because they dont even have me on file so they dont have nothing to dispute on file so they cant help, then I contacted XXXX they said cant help me even with a police report they dont care. 
Then when I call they say I am blocked, online I am blocked then write a letter they reurn it in there self addressed envelope and return it to me with a letter saying I am blocked from writing, I did CFPB complaints on them then they tell me to call them when I call they say I am blocked from calling to right them so I write them they return it saying I am blocked from writing then I go on line to dispute the isue and I am blocked from my account saying I have to write they keep saying this on response to my CFPB complaint then when I respond they restart by telling you to call in there response all over again. 
Then I have a friend they worked for them they said on complaints through CFPB are all automated responses and a real person never responds to the complaint ever, and on the account they show I have 5 new hard inquiries as of XX/XX/2018 and score dropped and then I look and there is no new hard inquiries since XX/XX/2018 so they enter peoples account change records for score with nothing changing on the account fraud Identity theft and Transunion and XXXX and XXXX are showing inquiorys that I didnt do all being done because of the XXXX data breach all three tell me they cont care and cant help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been used to getting my annual reports from all three agencies for many years. After hearing from a credit card company that there was an attempt to use my card online, I wanted to see my reports and freeze everythiung. 

After getting my report from XXXX, I checked Experian. 

The first time I was required to upload documents in a black and white tiff file or pdf under 15 mb. I spent an hour trying to do the conversions, and despite familiarity with these processes, I could not do so. I've done file conversions for years. I had cropped the files, etc. But you can not reduce file size in either as they are vector files. But then I only tried three different conversion programs. They should accept the images in any format that a camera or smartphone takes them without requiring people to jump through hoops.

I began the process again and this time it accepted my answers.

Checking my report, it was spread apart on about 20 different pages, and they were summary. Again, this was made as difficult as possible. I did find an extra street address which didn't even exist and requested that it be deleted. I could not find the one place to download my credit report. Also, one account was missing. 

I successfully filed a dispute to delete the erroneous address. I saw options for credit alerts, fraud alerts and freezes plus other services and could not determine which I needed. I went through all the menus and could not decide. 

I then spent two hours trying to reach someone calling six phone numbers a total of eleven times., The numbers on their website would not allow me to reach anyone. I went through multiple levels of menus providing all sorts of information on each only to be given binary choices of yes or no to turn on one feature or another. Attempts to break through by pressing zero or saying agent did not work. The one number to get me through is not listed on their website, but a consumer agency. 

Once I dialed this number I did reach someone who was able to answer my questions. 

Experian has purposely made it impossible to reach them. I'm certain they can prevent credit freezes and have more records to sell and reduce their liability for errors by saying they were never told by the consumer. This is not what the law intended for consumers to experience.
Product: Credit card

XX/XX/2023 Chase Dispute Center Dispute XX/XX/2023 XXXX XXXX {$2600.00} Let me outline why I am disputing this charge : 1. XXXX XXXX at phone number XXXX as identified on the original credit card charge is no longer the company as named but is now calling themselves XXXX XXXX XXXX. I found this out after googling the phone number 2. When this entity contacted me originally they were selling me a two year subscription for my XXXX XXXX XXXX. A software that I have used for many years. 
3. Approximately a month later I contacted XXXX XXXX, the legitimate company, to ask why my software updates were not occurring, and they indicated to me they have absolutely no association with the entity that contacted me, and secondly XXXX does not offer two year subscriptions. 
4. I have NEVER received and goods or services or software from the XXXX XXXX company that processed the fraudulent {$2600.00} charge on my Visa. I also never received any kind of communication or receipt from this entity. They obviously scammed people into thinking they are the legitimate software company. 
5. I continue to attempt calling XXXX to follow up on my conversation with XXXX in their offices who indicated a month previously I would be getting a refund. I have texted through their website, with no response, Ive attempted calling the XXXX number indicated on their website with no answer. Ive left messages, with no response to date. 
Thank you.
Product: Checking or savings account

I opened the checking account with HSBC and was approved on XX/XX/2018 under the promotion that I would receive a bonus of {$350.00} for depositing {$10000.00} for 90 days. I deposited to money on XX/XX/18 and have kept the money in it. I have fulfilled the terms and the bank didn't pay put the bonus. It has been almost 3 months since I fulfilled the terms
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Department of Education/Nelnet and Nelnet Loan Services is reporting accounts that are not mine. I have  disputed with them before but they produce no evidence to show me that these indeed are my accounts. They are speculating and putting " updated, '' and " remains. '' None of which show me how exactly they verified any of the inaccurate accounts on my file. The reports they send back provide no evidence of verification. It just says the exact same thing from the previous credit report.
Product: Mortgage

Hi, my report says I was late on mortgage for many months, the truth is I was going through a harp process and I made all payments as required under the terms of harp. I was approved for program and made all payments to them, Wells Fargo/asc did not talk to each other during process but that 's not my fault, I swear I made payments on time, or else I would n't of gotten approved for harp. Wich I did!!!!!! do someone over there is not doing there job correctly and does n't care about my credit which I 've been doing much better on thanks to XXXX. Thank you. There 's XXXX more problems on report, thank you and I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry XXXX on XX/XX/XXXX Inquiry XXXX  on XX/XX/XXXX Inquiry XXXX on XX/XX/XXXX Inquiry XXXX  on XX/XX/XXXX I did not authorize any of these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried reaching out to the creditors ( XXXX/XXXX & XXXX/XXXX ) in addition to the credit bureaus ( XXXX, XXXX, and XXXX ). To date I have yet to receive any correspondence from either creditors or credit bureaus. 

Please reference documentation that was submitted to both creditors and credit bureaus. Correspondence to the creditors was sent via certified mail. 

Both the creditors and credit bureaus have exceeded the 45 Days. I am requesting complete deletion of the late payments.
Product: Debt collection

I sent a letter to XXXX to REMOVE XXXX collection 's that have been paid from my report from Consolidated Recovery because they are not licensed in the state of Tennessee. But the items were not removed.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute this account. It was opened without my knowledge, authority or consent. 

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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts : XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXXXXXX Balance : {$360.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

The XXXX  XXXX account number : XXXX is being inaccurately reported with a 30-day late payment on Experian, and some information does not coincide with other bureaus which I believe Experian violates the MAXIMUM POSSIBLE ACCURACY requirement under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), because I have never been late on any payments. Additionally, Experian reported this account without my permission and authorization, which is against the permissible purpose rules under 15 U.S.C. 1681b. Failing to ensure accuracy in reporting, will be treated as willful non-compliance under 15 U.S.C. 1681n allowing me to seek up to {$1000.00} in damages per violation, along with compensation for any other harm caused.
Product: Mortgage

Freedom Mortgage company has not sent me the refund due on my escrow account from the house I sold, closed on XX/XX/XXXX of 2022, it is now XX/XX/2022. The amount owed to me is {$2900.00}. 

They did send a letter dated XX/XX/2022 claiming that I haven't yet cashed the escrow refund check which they claim to have issued. I therefor called them to have a new check sent out because the first one never showed up. I verified that they have my correct current mailing address. They offer no proof that they ever sent the check. They claimed to have issued and sent a second replacement check dated XX/XX/2022. I called a second time on XX/XX/2022 to ask what happened to the second check and to ask for proof that they had issued and sent it. They only offered a voided copy of the first check but no proof of mailing it. They said they would overnight-mail a third check, but that has also not happened and they were not able to provide any tracking number or proof of mailing it. 

I have had no other issues receiving mail at my address. I believe they are not sending the checks in hopes that the XXXX days will expire and then I will lose the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus had not responded to my repeated requests for them to fix my credit file by totally erasing the items brought about by the theft of my identity. The letter I sent on XX/XX/XXXX to the Credit Bureaus was already my 11th written appeal to the Credit Bureaus for them to take action and correct my Credit File. When I sent a copy of the FTC report, it was made clear that the credit bureaus are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending my complaint to help with organizing a legal response. I will give my records to my lawyer to start a legal action if the Credit Bureaus decide not to stop the other items listed below that are responding incorrectly due to fraud. If it's not too much difficulty, abide by the law because it's my intention to not pursue any legal activities. I need the following items removed now : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXXXXXX XXXX XXXX Balance {$6200.00} - XXXX XXXX Balance $ XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$15000.00} XXXX XXXX XXXXXXXX Balance {$19000.00} XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Balance {$0.00XXXX XXXX XXXX Balance - XXXX XXXX  XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6500.00} XXXXXXXX XXXX XXXX Balance {$9700.00} XXXXXXXX XXXX XXXX Balance {$3200.00} XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX  XXXX Balance $ - XXXX XXXX  XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX Balance {$3700.00}
Product: Credit reporting or other personal consumer reports

Good evening, 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. 

Credit Card : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Credit Card : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I sent to this company a letter after calling them for about 3 hours, when you call the company they tell you that they have limited staff because of the covid. I have been working on my credit for about 4 months, I had advised the credit bureau that I had no knowledge of this company or this bill that they were collecting for. The credit bureau took it off of my credit report. Checking on XX/XX/2021, I found this company back on my with a different number and now the company has me owing 3 times as much. When I originally contacted the credit bureau 's I asked them for the original paperwork that had my signature listed on it and the status. If it was my debt I would have paid it off, but the credit bureau 's took the company or shall I said the company who bought my supposedly account. Midland Funding who bought my account had an attorney 's office collecting it for them. When looking at my credit report on the XXXX, I was fabregessed and sent to the floor. When I saw what Midland Funding and XXXX XXXX XXXX had done to me. Even today today is the XXXX of XXXX and I called and XXXX XXXX XXXX a couple of times today and still no answer trying to get in touch with these people. As I stated earlier in this I was on the floor, from such a blatant lie. I could not believe this, all they had to do was show me the original paperwork and this all could have been taken care of.
Product: Debt collection

I NEVER APPLIED FOR XXXX THIS IS NOT MINE XXXX/XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Loan Type : CHARGE ACCOUNT Date Updated : XX/XX/XXXX Payment Received : {$0.00} Pay Status : Current ; Paid or Paying as Agreed Terms : Paid Monthly Date Closed : XX/XX/XXXX High Balance : High balance of {$0.00} from XX/XX/XXXX to XX/XX/XXXX Credit Limit : Credit limit of {$300.00} from XX/XX/XXXX to XX/XX/XXXX Remarks : CLOSED XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} Amount Paid {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} Past Due {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} Rating OK OK OK OK OK OK OK OK OK OK XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$1000.00} Date Updated : XX/XX/XXXX Original Amount : {$1000.00} Original Creditor : XXXXXXXX XXXX XXXX  ( Medical/Health Care ) Past Due : > $ XXXX Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX I HAVE XXXX XXXX XXXX XXXX THAT WILL TAKE CARE OF THIS XXXX   XXXX XXXX NUMBER SHOULD PAY THIS ACTIVE
Product: Credit reporting, credit repair services, or other personal consumer reports

Nissan motors is reporting from an account that was opened almost 9 years ago and thus should be removed. 
XXXX is reporting collections for the Nissan account and is double reporting the Nissan account that should also be removed.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX through XX/XX/XXXX Trans Union dropped my credit score by XXXX because a closed mortgage account account with XXXX XXXX XXXX was removed from my Credit File. This account was paid in full & closed in good standard in XXXX.
Product: Credit reporting or other personal consumer reports

Capital One has run my credit multiple times without my knowledge on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX discover has access my credit without my knowledge on XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft I been trying for many months to resolve a few errors on my credit profile that is inaccurate. The accounts that have been challenging to resolve with Transunion, XXXX, and XXXX are XXXX, XXXX XXXX, XXXX XXXX and hard inquiries XXXX XXXX  listed twice ), XXXX XXXX, and XXXX XXXXXXXX. I've spoken with Transunion in regard to the hard inquires and attempted to have them removed within XXXX consecutive months, but I'm being told they can not remove these hard inquires without a written letter from the companies.