23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I sent transunion, XXXX, and XXXX  a debt validation letter XX/XX/year> for all closed accounts, collection, late payments and charge offs. It's been 30 days and i didnt receive a response.
Product: Checking or savings account

On XX/XX/21 there was an unknown and unauthorized charge done to my account with chime bank. I have only a virtual debit card no actual physical card. I reached out to chime and they said they were unable to do anything since it was a pending transaction. On XX/XX/21 the transaction posted I then again reached out to them and they filed a dispute and stated that someone would reach out to me on XX/XX/21. On XX/XX/21 no one reached out so I called them and they said I needed to resubmit my paperwork which no one ever told me they never received and they assured me that they would issue a provisional credit for the charges. They are unable to provide me any details about the company that charged my account for {$100.00}. I asked them for a name and a number for that company and said they dont have any information. I resubmitted my paperwork and XXXX who refused to give me an employee number or anything to identify him said he would issue a credit and that never happened. I then called again and spoke to a floor supervisor XXXX who told me Im ineligible for the credit. I asked to be provided the contact information for someone higher up like their ceo or board of people and they refused. I have tried to resolve this matter and now they are saying they will have a resolution by XXXX XXXX which is XXXX months. That is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX MXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX Disputed to remove because I did not authorize these inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX Equifax XXXX. XXXX  XXXX XXXX XXXX, GA XXXX I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX -- XXXX XXXX -- XXXX XXXX -- XXXX {$3000.00} REV {$1100.00} {$35.00} {$0.00} XXXX XXXX XXXX XXXX CUR WAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1300.00} XXXX {$1300.00} XXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

Previous Complaint number : XXXX is unresolved. Still no verification of debt has been received.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of all outdated addresses from my consumer report, except my current address as stated on my XXXX XXXX XXXX Identification Card, pursuant to my rights under federal law. This request is made in strict accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates the accuracy, relevance, and confidentiality of information reported by consumer reporting agencies.

Grounds for My Request, As per the FCRA, consumer reporting agencies are required to maintain information that is accurate, complete, and relevant. Reporting outdated addresses that I neither use nor receive mail at, nor list on applications, violates these provisions as these addresses are no longer accurate or relevant. These addresses are both misleading and unnecessary, potentially causing confusion or inaccuracy in my consumer report. 

Furthermore, I exclusively use my current address, as provided on my valid XXXX XXXX XXXXXXXXissued ID, for all official correspondence and applications. I do not reside, receive mail, or conduct transactions from any other addresses. Therefore, the inclusion of these non-current addresses on my consumer report is both inaccurate and unnecessary. By retaining outdated addresses, you are failing to meet the standards outlined by the FCRA for accurate reporting, specifically under Sections 1681i and 1681e ( b ).

Legal Basis for Removal, Under Section 1681i ( a ) ( 1 ) ( A ) of the FCRA, I am entitled to dispute the accuracy of any information included in my consumer report, and your agency must promptly investigate and delete any information that can not be verified as accurate and complete.

Furthermore : 1. FCRA Section 1681c - Restricts the inclusion of obsolete information on a consumer report.

2. FCRA Section 1681e ( b ) - Requires consumer reporting agencies to follow reasonable procedures to ensure maximum accuracy. 

Outdated addresses are not only obsolete but also introduce potential risk to my identity security, especially if they reflect previous residences or erroneous data. Removing these addresses aligns with your obligation to ensure the report reflects only relevant and accurate data.
Product: Student loan

XX/XX/2018 XXXX XXXX Recurring Payment of {$80.00} dollars for a year on the XXXX of each month I called XXXX XXXX 7 times to try and get in contact with a supervisor because my payment was being regarded as late because Heartland told me my credit card was failing and to contact my bank. I called XXXX twice and they let me know the problem is on their end. 

I still can't get in touch with a supervisor and they can't credit or freeze my account to eliminate the late payment according to 3 different CSR 's. I do not know what to do
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 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 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 with antedates the report by more than seven years.

As noted, federal Identity theft laws are covered under 18 U.S.C. 1028, which prohibits anyone from misusing someone's identifying information, whether personal or financial.
Product: Mortgage

I called XXXX about mid day or early afternoon and was told that they hadn't yet received the loan payoff check from XXXX. I found out that in fact they got that check yesterday Tuesday XX/XX/year> at XXXX XXXX. So it wasn't recorded for at least one full day. When I tried calling back today I couldn't get thru to speak to anyone because after giving them my member ID, my SS #, and my phone password, and my phone number on file that wasn't enough. I'm sorry they weren't able to verify my finger prints. 

Here 's the deal. I can't make phone payments on my credit card anymore and I can't find out why they didn't process my equity loan payment in full to pay off that loan. 

I've wasted hours of my time now trying to pay this company and determine if my home equity loan has been paid off and all I get is being railroaded. I want compensation for all the time I've wasted today in the amount of {$100.00}. That's in addition to the amount I requested for the time I've spent trying to make a credit card payment in a prior recent complaint. 

Also I want your agency to investigate why payments being made to USAA aren't being recorded on the same day they come in. If this is happening with mailed in credit card payments, is this being done to collect late payment fees?. 

Anyone reading this complaint be aware you need to avoid doing business with this company like the plague. You can find a better local bank, a better insurance company thru a reputable agency, and better investment advisors from referrals and people you know and trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX multiple times in regards to this vehicle on my consumer report. I XXXX XXXX, natural person and consumer has stated that myXXXX  is paid for free and clear. XXXX  company continues to run my credit score into the ground because inaccurate information. XXXX XXXX XXXX refuses to release my title although they do not have any verifiable documentation to prove they actually loan me money. This issue has caused a big hardship on my family because we can not get a home due this destroying my credit. XXXX  has no right to place this information on my consumer reports when I have informed them that it is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX is a victim of identity theft. He was notified by your Chase/XXXX of a fraudulent application submitted with his information without his consent. An inquiry was made into his credit reports with XXXX, XXXX and XXXX XX/XX/XXXX related to that application. A formal dispute of that application was sent to Chase/XXXX XX/XX/XXXX, as of this date no reply from ChaseXXXX has been received. This is a violation of the FCRA and my clients consumer rights.
Product: Mortgage

Nationstar Mortgage requested information that was unnecessary ( confirmation of SSN for tax purposes, even though the institution had already sent a tax form and clearly had this information. They also did not include a postage-paid business reply envelope, as is good practice for business mail. I responded to this and paid postage myself to get this to them reliably. After being told the notice was in error, I have requested that they refund postage. They have refused and additionally, sent me someone else 's information (!! ) in a response. They keep insisting they sent a response envelope that was paid, while a quick glance on XXXX for this joke of a lender would tell you that no-one got such a paid return envelope. Bad practices and privacy violations are just the tip of the iceberg with these guys, but it 's a place to start.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday XX/XX/XXXX I requested a credit limit increase with Home Depot Citi credit card. It was approved no problem however a credit inquiry was put on my XXXX  report without my consent. I did this online and know where did it warn me about a hard inquiry on my report was going to appear. I discovered this inquiry Wednesday XX/XX/XXXX and immediately called Home Depot who was unhelpful. The gentleman on the phone said he honestly didn't know if it said on the website anything about a hard inquiry or not and directed me to contact XXXX  to dispute directly with them. I have filed a dispute but am very upset right now about this hard inquiry. Number one I've submitted credit increases to my other credit cards and I have never had a hard inquiry. Number to if you're going to do a hard inquiry typically it is at least somewhere where you can see in XXXX to warn you about a hard inquiry. If Home Depot was going to do a hard inquiry I would have not submitted for the credit increase plain and simple. Due to the fact this was not posted anywhere when I went to inquire for a credit increase now my credit report has suffered a decrease. I take my credit very seriously and want something done about this.
Product: Money transfer, virtual currency, or money service

In 2012 someone fraudulently used my business data to open a Card Processing Account with XXXX XXXX XXXX & First Data ( www.firstdata.com ). These 2 institutions did not verified my business address, phone and email and never contacted me on their underwriting process. Due to the problems they had with the fraudster they closed those 2 accounts and put my Business information on MATCH List and I am currently unable to open Merchant Account for my business and loosing business due to their fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX XXXX about an closed account appearing on my credit report, That do not belong to me. XXXX XXXX Account # XXXX I asked them to verify the account. I was told the account does not match my personal information and they confirmed it does not belong to me. This account is not my account and should be removed immediately. My next step will be legal action because there is know way legally this account can be verified.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to BSI FINANCIAL SERVICES for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof of these inaccurate reporting.
Product: Mortgage

Our loan was sold to loancare, so we did not choose them to finance our loan. With a recent situation, as well as many interactions with this company, I am very concerned with the service and internal controls within loan care. I 'm in high management at a student loan company, and would be mortified if my employees handled calls and situations as they did. Back in XXXX, we began paying every two weeks. We were told this was okay. Then we came to find out after a couple months that we can not split the payment, and have it count as our monthly payment. We found this out when we were due a double payment one month. We spoke to an agent about this, and he said he could re apply the payments that showed to principle to count as the payment. We advised that from here on out we would make the full payment which we did. Months later, we then received a delinquent notice, and so we called. I was on hold for almost an hour till someone came on. I explained to the agent the situation, and she was not helpful, stating she was n't sure why it was n't done. I asked for a supervisor, and was transferred to a voicemail. I called again, and after an hour an agent picked up and disconnected. I was in shock of the customer service I was recieving. The last conversation my husband had with a supervisor is that even though we were told it would be re applied we should not have split the payments. We were reported to the credit beruea by this company although our payments were made. They did not fulfil on their end re applying the payment. I 'm concerned that we first would be told this would be re applied, that it never happened, and then future encounters there is no one taking responsibility. On top of this, as a customer I do not feel taken care of. It should n't be so hard to get in contact with your mortgage company because the hold times are so long. Then on top of that, recieving the poor service when you do speak to someone. I have never had issues with my credit, and because of Loancares poor business practices, I now have a mark. After researching and reading other reviews, I 'm not sure how this company is allowed to be in business.
Product: Debt collection

My children and myself were in a car accident. I was not aware of debt prior to going on my credit report as the man who hit me insurance company was supposed to pay all medical debt incurred by accident I have paid three of the four medical debts to attempt to get removed from my credit as this was not my debt. Collection agency has not furnished any summery of debt as well as sending a summery of debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Product: Credit card

I failed to notice for a few months that my American Express card had raised my interest rate on new purchases. Therefore, I have been making payments in excess of my minimum payment requirements in an attempt to pay off this higher interest balance. However, I have discovered that my the entire portion of my payment up to the minimum amount due is only applied to my lower interest rate balance. And that only the amount of my payment over the minimum amount due is applied to the higher rate balance. Is this disportionate application of my payment legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may Concern I went on to check my credit and what I saw I was not Happy at all, how can someone do this to me and how where they able to get my Information to Open fraudulent Accounts. 
this Fraud Needs to stop in Florida. I did not Give any Consent to no one to open any of these Accounts I want this matter Resolve. this is not right thank you.
Product: Debt collection

The debt collector and the credit agency are in direct violation of the FCRA. The debt collector did not send proper documentation notifying me of the debt or me right to dispute. Several written notices have been forwarded to both the debt collector and the credit agency. The debt collector and the credit agency have failed to show legally DOCUMENTED proof that a notice was sent. In an effort to continue to falsely collect on a debt I do not owe the debt collector and credit agency are reporting erroneous information. Also, the debt collector has violated the FTRA by not properly reporting valid information.
Product: Credit card

I have always made sure that payments on this account are timely and never late. I don't understand why there are reports of overdue payments on my accounts. Per 15 USC 1666b, this billing error needs to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite numerous written requests, which is against federal law. The validation of these accounts shall be in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't verify these claims, I'll file a lawsuit against you. So that this situation can be rectified as soon as possible, kindly abide by the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

CitiBank lowered my credit by half. I now have only {$72.00} available credit. This is going to look like I use 100 % of my card, when I intentionally keep that card at half usage so I have emergency funds available. CitiBank said they sent an email about the factors in the decision. The email reads " Please note, other than providing information, the reporting agency played no part in our decision and is unable to supply the specific reasons why we decreased your credit limit. '' XXXX is unable to tell me what information was provided for the credit decrease. CitiBank is unable to tell me which information was taken from XXXX to determine the credit decrease. How am I supposed to know if neither CitiBank nor XXXX can tell me the factors leading to such a drastic credit decrease?
Product: Student loan

I was told there is a Navient Student Loan Forgiveness program. In common basic terms, they are being sneaky and manipulative. In specific terms they are misallocation of payments, providing unclear info about re-enrollment to their income driven repayment plans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached please find the FTC report requiring TransUnion to remove the tradeline XXXX XXXX # XXXX. I have also sent this to TransUnion via certified mail. To this point, they have ignored the FTC 's order. They should either be required to obey the law or be fined and sanctioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 and my 30 day letter to comply was sent on XX/XX/2020.