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

In XXXX and XXXX XXXX XXXX XXXX were filed by online scam companies in an attempt to save my house from foreclosure while under modification with XXXX XXXX  aka XXXX XXXX. All three bankruptcies were dismissed XXXX of the bankruptcies was reported as a XXXX XXXX which is incorrect and also was dismissed I have contacted the bankruptcy court they indicate they do not report to credit bureaus I had disputed these items with the credit bureaus multiple times I have not been given any proof of verification, these are third-party public information they are making it difficult for my business and personal credit and are a violation of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening  but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. Hard inquiries are Not a matter of Fact. The list of unauthorized Inquiries below are Not a matter of fact, and has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681.You are obligated verify this information, or not report it to your users.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

1

5 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 : States a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am a victim of the XXXX XXXX breach I filed a claim it was approved but nothing has been done no monitoring no reimbursement for money I spent to try and fix the damage caused to me. They're inquiries on my credit that were not initiated by me and when I informed XXXX of the issue they refused to correct it. it is an ongoing battle with XXXX to keep an accurate XXXX report on me. currently, there are several XXXX accounts on my credit report though I have only had one account ending in XXXX. I've filed several disputes and they remain on my credit profile, no other XXXX credit card was ever mailed to me or was ever in my position. Between XXXX and Synchrony Bank, my consumer right continues to be violated. see attached
Product: Mortgage

Please help me since CHASE HOME FINANCE has discriminated me and my family. IT IS OVER 3 years since i requested help to avoid foreclosure under a goverment program HAFA Short Sale, since then CHASE HOME FINANCE has been giving us misleading information, now they are manipulating the process and they declined my request for XXXX time. 

PLEASE HELP ME!!!! im tired and sick and tired of Chase Home Finance 's games. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have experience a data breach on several occasions per my social security number. There are addresses that do not belong to me. I have lots of information on my credit that doesnt belong there that is out dated as well as name miss spelled on my report. And lots of Hard and Soft inquiries as well. According to 605B - I need my whole credit report fixed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The caller ID that displays for the number is XXXX XXXX XXXX XXXX I have been repeatedly contacted by this collection agency and they tell me they are calling to collect for someone else 's debt on behalf of XXXX and trying to reach this person. 

I have continued to tell them they don't have the right number, to stop calling me, yet they keep calling almost EVERY DAY. 

I have tried to get these calls to stop and the agents to remove my number from their list and they won't, they call me on my work mobile nearly every day which is disruptive to my job. 

They have been calling for the past month and call anytime between early morning and later afternoon. The last few calls I received XX/XX/XXXX - XXXX - again told them to remove my number from their list, I'm not the right person, lady hung up on me XX/XX/XXXX - XXXX - They called again but they hung up before I could answer, I called back and left a message to remove my number from their list XX/XX/XXXX XXXX - they called again, I spoke to a gentleman, told him to remove my number from their list - he responded ; " stop hanging up on us ''. I told him he has the wrong number, that they need to stop calling and remove my number from their list and he replied " We don't have a list '' So I responded, however, you got my number, don't call it anymore - he became rude, I hung up again.
Product: Credit card or prepaid card

This is in regards to my American Express Bonvoy Credit Card ; On my XXXX statement I was informed that my interest rate increased for all future purchases from 16.74 % to 22.24 %. I am a customer in good standing with on time payment history. 

The reason given on my statement is as follows : " Your new APRs are no higher than the rate you would receive if you apply for the same or similar American Express Card today, based on your FICO score. '' On XX/XX/19 I called customer service to inquire as to how to dispute or reverse this decision. Their response was ; " you can only dispute your credit score, you can not dispute the credit increase. '' I asked what the criteria was that my credit score was being judged against since this information was not included on my statement. The customer service rep had to transfer me to her supervisor. That supervisor told me that my credit score had to be XXXX to not be impacted. Since XXXX is a perfect credit score I can imagine that this new practice was impacting 99.97 % of current card holders.
Product: Credit reporting or other personal consumer reports

I recently sent a letter to TransUnion Credit Bureau on XX/XX/year> about late payments reporting on my account that are not accurate. These items have already been removed from my XXXX report and under 15 U.S.C 1681e ( b ), I have the right to fair and accurate reporting.
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, and Experian, have 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. 

Additionally, I have given Experian numerous chances to fix this issue by filling a dispute. I filled a dispute on XX/XX/XXXX that were drastically different than the results that were listed on the XX/XX/XXXX dispute resolution that was deleted and or removed from my access by Experian. The results can be seen in the three images from Experian for XXXX XXXX  XXXX BANK. Experian has allowed XXXX XXXX XXXXXXXX BANK to report drastically different information based off of three change stories, to the one that I have told and showed them. 

Experian is utilizing a fictious balance from a closed and settled XXXX XXXX account to report a XXXX % revolving credit balance. They are using this information to justify a lowering of my score as part of their fico algorithm although they know ( because it is part of my credit report on their platform ) that my balance is at XXXX %. 

For their consideration I have included the changing dispute results for Indigo as well as a resolution from XXXX XXXX XXXX BANK that they both supplied additional information for and agreed to. Additionally, I have shared a picture of my XXXX XXXX resolution letter.
Product: Prepaid card

Rush card is locking people out of there accounts when they said that everything was fix and I 'm still not able to access my funds or activate my card and everytime I call someone they either hung up or system is down also when they been on social media saying everything is fix LIES!!!!!!
Product: Checking or savings account

My checking ( and savings ) account is with CapitalOne 360. 
For the THIRD time my payments have been stopped, cancelled or rejected. Each time, I am fined, by the other end ( the company I made a payment to ), in this case it is XXXX, my electric company and my landlord or management company ( where I live! ). The last time this happened it was my student loans and also my rent payment. In ALL of these scenarios, there was in excess of $ XXXX in my account, so this is NOT an issue of lack of funds. 
In each instance, I used my account number and routing number to make these payments -- NOT a check and NOT my debit card. 

In each instance, I contacted CapitalOne 360 ( these calls are all recorded ). I was provided with a case number by the customer service rep I spoke to and then told to submit an email to the " customer relations '' department. 

In each instance, I did as I was told and submitted an email describing the situation and the fees I incurred. To date, I have received no follow up email, no reply and no assistance. 

Additionally, I was told back at the end XXXX that the issue with using my " ACH '' for payments was resolved and that I would not have problems going forwards making payments. That was false. Instead I have repeatedly experienced payments -- of a very serious nature, including my rent checks -- being returned for NO reason other than bank error. 

This has caused me great distress and numberous fees. The last time, XX/XX/XXXX, I had to spent my day physically going into a CapitalOne location and purchasing a " Certified bank check '' ( which cost me additional money, at {$10.00} PER check ) and then take that check to the management. This has been costly and time consuming and stressful! And it is no fault of mine! 

To date, no reply email with the most recent case number, has been received, nothing is ever done to correct or repair or repay me for the situation that thru no fault of mine, I find myself in. The bank refused to put anything in writing, and declines to assist me in any way other than giving me a " case number ''. And that leads me nowhere ... 

Please contact me for additional information, bank accounts, screenshots from both mobile and desktop supporting my experiences and dates.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 inaccur
ate.
Product: Student loan

I have been paying on my student loans since XXXX. I have contacted Navient multiple times regarding loan forgiveness as I have been paying on them so long. My most recent attempt was on XX/XX/XXXX. I have been told repeatedly that loan forgiveness is not an option. I have also asked if they would take a reduced amount and forgive the balance. I was told that Navient does not engage in this practice. I owe {$5500.00}. In my estimation, Navient has made enough interest on my loans to repay the total amount several times over. I have never been late in paying or missed any payments. Can you help? Thank you for your consideration in this matter.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX
Product: Credit card

First Digital Card XXXX XXXX XXXX XXXX XXXX SD XXXX Dear Sir/Madam I am writing to request a formal service agreement and arbitration clause from your esteemed company. 

Having a written agreement delineating the terms and conditions of our relationship would provide both parties with clarity and protection. It would outline the rights and responsibilities of both First Digital Card and myself as a customer, which is crucial for fostering trust and transparency in our business dealings. 

Additionally, I believe it is essential to include an arbitration clause in the agreement. Arbitration provides a fair and efficient means of resolving disputes outside of the traditional court system. By agreeing to arbitration, both parties commit to resolving any potential disagreements in a manner that is neutral, impartial, and legally binding. 

Therefore, I kindly request that First Digital Card provide me with a comprehensive service agreement that outlines the terms of our partnership, as well as an arbitration clause for dispute resolution. 

Please let me know the necessary steps I should take to obtain these documents or if any further information is required from my end. I appreciate your prompt attention to this matter and look forward to continuing our positive association. 

Thank you for your time and consideration. 

Sincerely,
Product: Debt collection

Debt collector posing as 'mediator ' falsely claiming that they have filed a suit against us and a judgement is being made. They were very aggressive and threatening. They claimed that we need to settle the suit immediately. There is no lawsuit, it was all completely false and I had never received prior notice. They also claimed to have recorded my conversation before hanging up on me ( without my prior knowledge or consent ). 

Also calling and threatening spouse and other family members saying that I need to talk to them immediately.
Product: Credit reporting or other personal consumer reports

I have attached in here the responses from the companies mentioned and they specified that they already requested these inquiries to be deleted but the EQUIFAX still taking no actions of getting these unauthorized inquiries to be deleted. 

I am REWRITING to complaint to EQUIFAX about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am refiling this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan with XXXX XXXX, its reporting 16 missed /late payments. I pay each car payment every month. I have not been 30-90 days reporting. I have been calling and talking to different reps, no one seems to want to help with this. I cant buy a home with 16 late /missed payments. I even called to pay whatever fees. XXXX  XXXX sold me a car for XXXX. But only will buy back for XXXX and only had the vehicle for almost 2 years. It had problems a week after I got the vehicle which caused XXXX  XXXX to get me a rental. I been dealing with a lot with this company. I just want the remarks removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Birthdate XXXX Social Security XXXX. 
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address : XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX Please REMOVE/DELETE these phone numbers 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
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX  regarding inaccurate credit reporting to the XXXX major credit bureaus ( Equifax, XXXX, and XXXX ). Despite making timely payments on my XXXX XXXX  account, the following inaccuracies have been reported on my credit reports : Inaccuracies Reported : 30 Days Late : XX/XX/2023 on Equifax, XXXX, and XXXX 60 Days Late : XX/XX/2023 on Equifax, XXXX, and XXXX These late payments are incorrect, as I have made all payments on time during the periods in question. I have attempted to resolve these inaccuracies directly with XXXX XXXX, but the incorrect entries persist across all three credit bureaus. 

Impact of Inaccuracies These inaccuracies have had a significant negative impact on my credit score and overall financial health. I have experienced difficulties in obtaining credit, increased interest rates, and damage to my creditworthiness due to these erroneous reports. 

These actions are necessary to restore my creditworthiness and mitigate the financial damage caused by these inaccuracies. 

I appreciate your attention to this matter and look forward to your assistance in resolving these issues with XXXX XXXX.
Product: Checking or savings account

On XX/XX/2021 I try to make a cash deposit in the amount of total {$1600.00} on to my checking account number XXXX at the us bank atm, the atm machine retrained my card I will attach a pdf copy of the receipt it gave me. Few days ago I have learn the us bank closed my checking account with out of my knowledge or my consent. I then log in online at us bank.com site notice my check wasn't clear and found out later it was deposited accidently in to this account later was too late for us bank have it removed. I made effort of wanted to make the deposit immediately to bring my balance back in to the positive. However due of the family medical emergency my father is dying he is a us XXXX  / veteran military personnel and needed my assistance and along with the XXXX administration ( VA ) so I had to take care of my father heath and ensure he is safe. I was busy so then I try of contact us bank later I got a letter from credit card side of the us bank said they're closing my credit card with out my knowledge. I then called us bank and a rude representative said us bank cut tiding with me I was confused and turns out because us bank label the mobile deposit was a fraud. US Bank never call me or talk to me and also I was inform of calling my home banking branch which located over 450 mile away I called and 
o one answer and looked online said this branch was closed due covid19. I rush called near by branch and was told that the branch manager boss closed my account. Again I never receive any letter contacting me regards this matter with my checking account only letter I got was credit card by the way I was on time with my credit card and also US BANK falsify and gave me a label stated it was a fraud with out talking or of trying contacting me and yet was forced to call the home branch non sense closed during covid19 the manger boss of the branch or branch manager was being unfair and yet closed my account knowing it was an accidental deposited on mobile deposit, On XX/XX/2021 I finally had some and little available time to travel to the us bank near by and today my intention was to make the cash deposit {$1600.00} but us bank refused and declined my deposited and won't allow me to insert cash deposit and yet taken away my debit card on a sunday knowing there isn't any of us bank branch open near me or in my state it is clearly us bank has made a false claim I feel us bank is prejudice of me and my father and insulted a us military family members who is honored and serve the US armed forces for over 20 plus years and who is in needed my help because I am the only family member he has left to be care of besides of my children. From what I witness here us bank seem to not have any compassion of my family medical condition and yet never or try to contact me or speak with me or trying to find away work this and resolved this I had to do on my own us bank branch was closed no one there I was missed lead of contacting a closed branch and from what I was gather from another us bank branch person the branch manager boss closed my account without knowing the fact or try of contacting me, us bank error!