23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

This is an addendum to my initial complaint against FirstMerit Bank, ( they are in the process of becoming XXXX Bank ) XXXX. : XXXX : I just want to inform you that a month ago, I was informed that FirstMerit Bank in XXXX XXXX, IL actually had a security breach in the last quarter of 2015 XXXX XXXX through XXXX, 2015 XXXX and did not inform its customers until a month ago. I recently was informed when I tried to use my debit card and it was denied. I called the bank and was told that was due to a Security Breach back in XXXX and XXXX. This was the same timeframe in which my checking was being debited for numerous overdraft fees, which were erroneous. I knew that there had to be something erroneous happening. more than " our system is down '' right now, which is what they said when funds began disappearing from my checking account. They said that the system would be back up but they did n't know exactly. That " this happens ''. FirstMerit Bank replaced my old debit card with a new XXXX. This new debit card does not recognize " credit card '' purchases ; i.e., as a debit card holder, I can choose to have purchases processed as a " credit card ; '' and not as a debit card which would require my using a " pin '' number. Anyway, now when I use my " new '' card as a debit, it declines it and I have to call the bank ; I never get an text or email from FirstMerit as their Customer Service reps. say I should. They tell me that I will need to call them every time my debit card purchases are turned down to get the bank to approve the purchase, nor to me. My main point is that it appears that FirstMerit Bank did not disclose to you, on my initial complaint, that there was as Security Breach going on at the same time when their systems " went down. '' I just recently got informed of the Security Breach in XXXX and XXXX, 2015, about a month ago. Please reconsider my case. Thank you. Sincere, XXXX XXXX XXXX This new information should positively affect my case. Please consider it. 

Thank you.
Product: Credit card

Received demand for payment of " delinquent '' account that was assigned to First National Collection Bureau, In., from its client XXXX, with the alleged original creditor named as XXXX This debt is barred by the California Statute of Limitations of four ( 4 ) years and the creditor is seeking to collect on an invalid debt. This action constitutes a violation of state and federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a complaint already which the Equifax Company did not even address. 
Ref. ( Complaint # XXXX ). 
The complaint has NOTHING to do with my credit content, it has to do with their ability to allow me to online access to my info either through their portal or XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several discrepancies that Ive disputed with the credit bureau and they refuse to fix or remove them in a timely manner. The first is the XXXX XXXX account. This account was disputed years ago and it was allegedly removed but Equifax and XXXX  has not removed it from my report. The second is XXXX XXXX. I have not conducted any kind of business with this organization. I dont know if they purchased an old debt of mine of whatever the case may be but that would enter XXXX and that organization into an agreement not XXXX and I. I also have a bankruptcy on my report that has been there over seven years that the bureaus have verified through XXXX XXXX but there is currently a freeze on the information being verified through XXXX XXXX. They are a third party and not allowed to verify damaging information. I asked the bureaus to remove the bankruptcy due to inaccuracies in the case filing details and there are no laws that say that a public record has to stay on my report for a minimum amount of time. There are laws that refer to the maximum amount of time they can report the public record but it has been well over seven years. If the bankruptcy was verified through the court, I would like the name of the person spoken to, the court called and the phone number used to verify the information. There are student loans on my credit report that I would also like removed per FERPA, I dont have to reveal any information regarding my education if I dont want to do therefore I would like those removed as well. My report should have been updated long ago about XXXX XXXX XXXX. This account needs to be removed based on me filing a dispute and it not being resolved until over 60 days later. I have attached the canceled check showing that I paid that debt over two months ago and it was showing delinquent and hurting my score and there was nothing done about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX XXXX  XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXX  Open date XXXX XX/XX/XXXX Wells Fargo bank Open date XXXX XX/XX/XXXX XXXX/XXXX  Open date XXXX XX/XX/XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX  XXXX  Open date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX Enclosed is a copy of my Identity Theft Report, supporting my position.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : collection/Charge Off : XXXX XXXX XXXXXXXX XX/XX/XXXX {$4300.00} LatePayment XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Upgrade Bank is issuing credit cards with a approximately {$2000.00} limit. Even after all payments are made on time with no issues they are decreasing the amount to force the customers to go over their credit limit. In my case, I had a lower credit score when I got these cards my limits with both of their cards are about {$2000.00}, they have reduced the credit limit to where now I am over the limit by {$1000.00}. This in turn is going to negatively affect my credit score because now I am over the limits, it is going to take me XXXX XXXX to XXXX XXXX to get under the limits and potentially they can charge me over the limit fees
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to CFPB complaint # XXXX regarding account number XXXX Self Financial stated " upon receipt of your complaint a thorough investigation was completed. I would like to know how your investigation was completed. 
Self-Financial stated " Statements were uploaded to the account online and can be viewed through our website or mobile app. Emails were also sent advising of the past due payments and that if the account went 30 days past due it would be reported to the credit agencies. I am unaware of such notice. And I also did not get a notice to opt of credit reporting. If such notice was sent I will need confirmation such as a certified letter with return receipt with a tracking number. I believe that the charges are inaccurate and I will need you to cease communication in regards to this alleged debt. ( see cease and desist letter attached ). I am aware of 15 U.S.C. 1692g ( a ) ( 1 ). allows me to request the amount of the alleged debt and how the amount of this alleged debt was calculated. Please keep in mind that this is only a request for validation of the amount of this alleged debt. Please be clear on where the debt originated, how it was calculated and any supporting documentation that proves your claim is valid. Please keep in mind I am not requesting that you send me proof of location information. I am only requesting the alleged amount of this debt you claim I owe and how it was calculated. If for any reason you can not provide me with this information I will need Self Financial to clarify this as a billing error. Also keep in mind that the account should be updated to PAID AS AGREED.

I am aware that the reporting of negative information to a consumer reporting agency is a direct violation of 15 U.S.C 1681s-2. 
I never gave consent for Self Financial to report any negative information to any consumer reporting agencies, and be aware that AGGRAVATED IDENTITY THEFT CARRIES A TERM OF 2 YEARS OF INPRISONMENT. 
Any payments made to this account shall be returned immediately. 
Best regards XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested documents from CRA and debt collector for proof that the accounts being reported on my credit belong to me but all that is done is that in information is updated and there was not a reinvestigation done or account DELETED from my report Transunion : XXXX account # XXXX amount {$590.00} Date open XX/XX/XXXX they say they have the deed a defaulted mortgage but i have never purchase a house : XXXX XXXX Account # XXXX amount {$870.00} Date open XX/XX/XXXX XXXX : XXXX Account # XXXX Amount {$590.00} Date open XX/XX/XXXX XXXX XXXX Account # XXXX Amount {$870.00} Date open XX/XX/XXXX XXXX Account # XXXX Amount {$2400.00} XXXX : XXXX Account # XXXX Amount  {$2400.00} Date open XX/XX/XXXX XXXX Account # XXXX Amount {$2800.00}
Product: Checking or savings account

Wells Fargo decided to charge me XXXX  fees without an existing agreement or consent by me. They decided to pay for transaction I did not approve of, then charged me XXXX fees. I did not opt into XXXX  services with this bank. Banking is involved in predatory banking practices which are illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my wife, XXXX, and I purchased {$65.00} worth of merchandise at Kohl 's located in XXXX XXXX, Florida. My wife 's Kohl 's card expired in XXXX. The cashier said it was still OK to use and updated our current address and contact information as we were checking out. On XX/XX/XXXX, I learned via a credit monitoring service that Kohl 's processed a delinquent account with the credit reporting agencies. I immediately contacted Kohl 's and found that balance due statements were sent to our old XXXX XXXX   address. We moved from XXXX to XXXX in XXXX and the Kohl 's mail was returned to their address in XXXX. Within a hour we made a full payment to the nearest Kohl 's store. This was an error by the Kohl 's employee in XXXX for failure to update our mailing address. 

I successfully, after numerous attempts, persuaded Kohl 's to waive the majority of the finance fees. Our FICO score was reduced from approximately 800 to 709 due to this Kohl 's error. I formally requested them to reverse the overdue payment notification with the credit reporting agencies. They have refused to take the correction action.
Product: Credit reporting or other personal consumer reports

In Acordance with the Fair credit reporting ACT Account : DEPT OF EDUCATIONXXXX : # XXXX {$1300.00} DEPT OF EDUCATIONXXXX : # XXXX {$1600.00} DEPT OF EDUCATION/XXXX : # XXXX {$3600.00} DEPT OF EDUCATIONXXXX : # XXXX {$5500.00} XXXX XXXX XXXX : # XXXX {$5500.00} Has Violanted my rights.

.15 USC 1681 SEC 602 A State I have the rights to privacy.

.15 USC 1681 SEC 604 A SEC 2 Its Also state a consumer reporting Agency can not furnish a Account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a claim against Experian, XXXX, and XXXX to remove in correct information from my credit report. I file a dispute through XXXX to remove information from my credit report that's not correct on XX/XX/23. XXXX responded stating that all information was removed and requested Experian, XXXX, and XXXX to remove the same information as well. However, all of the incorrect information still remains. 

Therefore, they are in violation of the following 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

Upon checking my credit report recently, I noticed a collection account appear under the creditor name XXXX XXXX  XXXX for an amount of {$1300.00}. I have never done any business with this company/creditor. I have no idea why this collection is attached to my name. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed ( XXXX XXXX XXXX ) I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the account.
Product: Debt collection

Ive called credit acceptance numerous times to provide information that has already been provided previously. From the agents there, there has been difficulty communicating. Threatening to give my personal information to them or continue receiving mail from them.
Product: Mortgage

SLS purchased our mortgage from XXXX bank. The entire process has been a complete mess. SLS never notified us that they acquired our loan and we continued to pay XXXX. After months of dealing with SLS, they finally obtained our payment from XXXX but during those months they called me daily demanding I pay a second time and threatening our property. Our initial statement from SLS was full of errors, including material errors in the escrow accrual. I got them to correct the escrow amount and in the process they confirmed they received our escrow balance from XXXX and acknowledged they needed to pay the taxes. Despite this confirmation, SLS failed to pay the property taxes on our property and we received notice from the county. I notified SLS and they assured me the taxes would be paid. I later received lien notice from the county and contacted SLS. They again assured me it would be taken care of. I then went to refi an home equity loan and was notified that the balance was still outstanding with the county and the lien had been sold to a 3rd party. SLS this time said they were researching and one step outstanding was determining who internally was at fault and they couldn't pay until that was determined. As of this complaint, I am still waiting for SLS to pay my taxes. I was told I could pay the taxes myself and SLS would reimburse me to get this resolved but if SLS hasn't paid the county as they promised, why would I take the risk of that proposition. In addition to the tax issue, I received an email notifying me that I was late on payment despite the fact that I had set up autopay. I'm assuming because of the escrow issue, the autopay was turned off without notice to me. As a result, SLS has applied late fees to my account. I noticed on their website that they have also noted me as late payments last year that was solely due to their purchase of my loan as I made all payments on time last year.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 made several attempts to reach out to this company Commonwealth Financial to have the negative remarks they report and update on my credit each month removed. I have never authorize or open an account with this company. This company is intentionally ruining my credit. They claim they have mailed me out bills but I have n't received anything from this company. They constantly hit my credit with an amount of XXXX and XXXX dollars. It reports on credit as a new loan. If this company can not produce a signed contract from me, the consumer, they must remove the debt from my credit report per the FCRA. These amounts are updated each month as if I took out a debt with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tax Liens have been disputed because of the inaccurate data not being provided for the liens, they were suppose to remove them but instead just {$0.00} them out.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding the inaccurate and incomplete credit reporting by Experian. I previously sent a dispute letter XX/XX/XXXX, which is dated and time-stamped, yet the disputed information has not been validated or corrected, and it is still inaccurately reporting on my credit file. 

The following accounts contain erroneous late payment entries : XXXX  ( Account # : XXXX ) Late payments reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX ( Account # : XXXX ) Late payments reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX According to federal law ( 15 U.S. Code 1681a, 15 U.S. Code 1681a-1, 15 U.S. Code 1666b ) , late payments should not be reported without explicit consent, and my report should not include transactions or experiences that I have not authorized. 

These inaccurate late payments are negatively impacting my credit and violating my consumer rights. I request immediate removal of these late payments and for my credit file to reflect accurate and verified information. I have attached supporting documentation as evidence of the errors. 

Please correct this reporting within 14 days, or I will escalate this matter further.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not update the Status field. The accounts are paid as agreed under the new contract but in Equifax the status field is still showing as " Charge Off '' and " Collection Account ''. These accounts were paid as agreed, under a new payment plan/contract. When Equifax shows " Charge Off '' on the status field it gives the illusion that these accounts were not paid when in fact they have been paid. Therefore the status field is a false statement as it is not the current status of the loan. If the company was paid as agreed on the secondary contract, then the Status field should reflect that. This is how the other reporting agencies handle these type of cases. Again, it is a new contract and it is ok to show under additional field section the original contract information which is " paid for less than full amount ''. However the current status of the loan should be what is reflected under the status field which is " paid as agreed '' under the new contract. 

Equifax only added an additional comment on the file which is pretty much useless because additional information is not showing the actual/true status of the loan.
Product: Student loan

In XXXX 2001, XXXX 2001, and XXXX 2001 I apparently took out student loans with Sun Trust Bank located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA-XXXX ( XXXX ) XXXX as a student  at XXXX XXXX XXXX an unaccredited for Profit College or Diploma mill based in XXXX, MO. The school is no longer open as it closed almost 2 years ago. Because I was misled into thinking XXXX XXXX was an accredited College similar to another school in my city. I later learned this College was not accredited by an instructor named XXXX XXXX who was essentially hired off the street based on a referral by XXXX XXXX XXXX another instructor neither of which had any experience or academic credits to teach the program I was enrolled in, XXXX XXXX. The amounts of the loans were XXXX, XXXX, and {$2600.00}. The XXXX amount I am not sure where it came from. I only know it exists because it is on my credit report. Long story short i defaulted on my Student Loans and years went by. I tried to pay them again and fell short. This last time I decided I had enough of taking these peoples word for it and I found the Missouri Department of Higher Education less than helpful in answering questions eventually XXXX XXXX got involved and it became even harder to get the answers I needed. What I wanted to know or see was proof that I owed these monies. The last time I requested proof I was sent some type of spread sheet of payments made. This spreadsheet didnt show any terms, my signature, anything at all just amounts of money. I eventually got on an Income based repayment program which i only agreed to because they said my payment would be {$50.00} to {$80.00}. This was not true. The payment they wanted from me was over {$300.00} a month. I was told that If i made 3 payments of that amount they would help me reconsider my payments. What I absolutely hate about all of this is that the monies I was said to have borrowed apparently increased exponentially because by the time MDHE got involved I am told the amounts I now owe are {$6200.00} and {$3800.00}. All of this for less than a sub par education. I would also like to add that I recently had to request my transcript for this school and believe they gave me credit for classes I do not recall taking. Specifically an XXXX XXXX course.