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

CitiMortgage has reported & verified with XXXX XXXX that a mortgage account that went into foreclosure and should have been removed from my credit report XX/XX/XXXX due to age was brought current during a few months at the end of XX/XX/XXXX & beginning of XX/XX/XXXX when it was not. Court papers Citi Mortgage filed for the foreclosure on XX/XX/XXXX accurately reflect that the account was in default and never brought current. This account has been disputed numerous times with XXXX XXXX, most recently in XX/XX/XXXX, copies of the court papers CitiMortgage filed were included in the dispute but CitiMortgage keeps verifying incorrect information. The date of last payment is correctly shown as XX/XX/XXXX and no payments were ever made after that date. Citi Mortgage reports the account as " OK '' from XX/XX/XXXX thru XX/XX/XXXX and as of XX/XX/XXXX shows 120 days late. Their own reporting is a contradiction showing current in the 3 months preceding a report of 120 days late. Although I sent XXXX XXXX the proof that Citi Mortgage is reporting and verifying incorrect information this account is still on my report when is should have been deleted XX/XX/XXXX.
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, XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Transunion is reporting is breaking the law reporting balances fir accounts that charge off. 
On top of it there not my accounts XXXX  XXXX nor XXXX XXXX  there not my account.
Product: Debt collection

This is not my account!!! Remove credit acceptance off my XXXX  and XXXX  credit file. This was opened with no knowledge from me.
Product: Credit card or prepaid card

Due to Covid19 that resulted into unemployment, I have been unsuccessful in getting assistance with my three of Capital One credit cards since XX/XX/XXXX. Unbeknownst to me, these three credit cards were closed on XX/XX/XXXX. I saw that three of the accounts were restricted, but I never received any notice informing me that my accounts would be closed. 

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and through Capital One chat, I have requested assistance with my accounts, which has not been provided. 

On XX/XX/XXXX, I spoke XXXX, and was transferred to a XXXX male named XXXX, who was a supervisor. He claimed to be speaking to his supervisor and support team to get approval to assist me. Yet, he came back on the line asking me computer-generated question, which concluded that I did not qualify for assistance. I recorded all conversations with representative for evidence of my efforts to protect my credit and to make payment arrangements with Capital One. 

I have spoken with several men ( XXXX and XXXX ) who have Capital One accounts that are over the limit, and two have been late on their accounts. Yet, Capital One has deferred payments and waived interest and late fees for male individuals. Every time I contact Capital One, I must speak to several different people, who claim to be escalating my calls to supervisors for assistance. These calls and chat last for more than an hour each time, without anyone offering assistance with payments. 

As a XXXX woman, Capital One and its computer-generated assessment of my account is discriminating against me based on race and gender. I have never paid my account late. I also have never gone over the limit until XX/XX/XXXX, due to a settlement that is pending due to Covid19 civil cases backlog. 

I have been an XXXX XXXX customer since XXXX. I am a financially responsible individual. With the exception Capital One, all my credit card companies have provided deferred payment assistance for several months. The stress that Capital One is causing me is diabolical. Besides being unemployed due to the virus, I have XXXX  and XXXX  XXXX, and this discriminatory failure to aid is negatively impacting my health and jeopardizing my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received another correspondence from your Transunion dated XX/XX/2023, indicating that the investigation of my disputes was complete. As of date, Transunion and their nonaffiliated 3rd parties are still WILLFULLY violating the Gramm Leach Bliley Act pursuant to 15 USC 6802 by sharing my nonpublic personal information WITHOUT my lawful consent! To be clear, I NEVER requested an investigation because I NEVER GAVE Transunion or their nonaffiliated 3rd parties any lawful consent to share my nonpublic personal information! Transunion responded alleging that the accounts in reference in my statement letter attached to this complaint were verified but Transunion did not provide me a copy of the investigative consumer report as defined by Congress pursuant to 15 USC 1681a ( e ). The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. The FACT that pursuant to 15 USC 1681s-2 ( a ) ( 7 ) ( E ) no provision under the Fair Credit Reporting Act requires a financial institution to furnish negative information CONFIRMS that Transunion DEFAME MY CHARACTER AND RUINING MY REPUTATION! Due to defaming my character and ruining my reputation, I am not even allowed to open a bank account due to the bank telling me that I am high risk due to over 16 soft inquiries on my credit report. Let it be known that not only are you violating the Fair Credit Reporting act but also violating the Gramm Leach Bliley Act for infringing on my privacy and sharing my nonpublic personal information without my consent! I have already provided my FTC report with the inquires that Transunion needs to remove. And yet Transunion is still infringing on my privacy and sharing my nonpublic personal information without my consent! I am under a lot of pain and suffering, lack of sleep and have high XXXX  due to stress that Transunion has put on me to the point that I have loss the enjoyment of life!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my wife and I sent investigation requests to Equifax and XXXX XXXX. They were supposed to investigate the errors on our report, and respond within 30 days. They have not.
Product: Checking or savings account

I had deposited a check for {$1400.00} from my XXXX trust company in XXXX via Chase mobile deposit. The maker of check confirmed payment of the check that was paid on XX/XX/2022 off of a JP Morgan Account ( also Chase bank ). I have been making calls for several months ( XXXX XXXX XXXX ) between Chase XXXX dept. , the trust company that issued the check, my XXXX, our XXXX reps/account managers, went to my local Chase Bank with no luck on getting this resolved or my money. I have provided Chase with several telephone numbers to " verify my check '' although they confirmed the fund availability was not the issue. They just wanted a # of the maker that was on their file so they can confirm that the maker can say that they issued the check to me. 
How is it possible that Chase can't verify between two customer accounts??? I'm a Chase account holder & the issuer of the check is a JP Morgan account holder.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX, and I am submitting these complaints in hopes of getting a late payment reversed. I have never been late on this account. I am not sure if my payment didn't go through or if it was an oversight. 

As a courtesy, I am asking if this payment can be reversed to good standing or current. 

15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 

Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Inaccurate Credit Information Account : XXXX XXXX XXXXXXXX Account Number : [ XXXX ] Dear Sir/Madam, I am writing to dispute the information in my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account listed below is being reported inaccurately, and I request its immediate removal from my credit report due to unverifiable and incomplete information : Account Information : Creditor : XXXX XXXX XXXXXXXX Account XXXX : XXXX High Balance : {$20000.00} Balance Owed : {$20000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off account, Accounts closed by credit grantor Credit Limit : {$0.00} Discrepancies and Issues : Unverifiable Information : The information provided about the account could not be verified. 
Incomplete Information : Certain details are missing or inconsistent across different credit bureaus. 
Credit Bureau Reports : XXXX : No detailed information provided. 
XXXX : No detailed information provided. 
Equifax : Account reported with a balance of {$20000.00}, last verified on XX/XX/XXXX, and multiple charge-offs. 


Given the above inaccuracies and inconsistencies, I request that you promptly investigate this matter and remove this account from my credit report. As per the FCRA, you are required to complete your investigation within 30 days. 
I have enclosed a copy of my credit report highlighting the relevant account information, as well as any supporting documents that verify my claim. Please inform me of the outcome of your investigation at your earliest convenience. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Regional Finance Subject : Request for Account Deletion as per Metro 2 Five Points of Compliance I am writing to request the deletion of my account from your records in accordance with the Metro 2 Five Points of Compliance. As a consumer, I understand that the Metro 2 format is an industry standard for reporting credit information, and it includes guidelines for accurate and fair reporting.

I kindly ask that you consider the following five points of compliance and take the necessary steps to delete my account from your reporting : 1. Accuracy : I request that my account information be deleted promptly if it contains any inaccuracies, incomplete information, or discrepancies that may impact my creditworthiness.

2. Integrity : It is my understanding that you should maintain the integrity of my personal information, ensuring its confidentiality and protection from unauthorized access.

3. Promptness : I expect that you will process my request promptly, taking into account the specified timelines for deletion as per the Metro 2 guidelines.

4. Documentation : I request that you provide written confirmation of the account deletion, including the removal of any negative information associated with my account.

5. Compliance : I trust that you will adhere to all applicable laws and regulations regarding consumer credit reporting, including but not limited to the Fair Credit Reporting Act ( FCRA ) and the Metro 2 guidelines.

Please acknowledge this request within 3 days from the receipt of this letter and provide written confirmation of the account deletion as per the Metro 2 guidelines.

Thank you for your attention to this matter. I appreciate your cooperation in ensuring the accurate and fair reporting of my credit information.

Sincerely,
Product: Debt collection

I get paid once a month due to XXXX. I explained that I can only get paid once a month. After asking them to refrain from contacting me consistently, I get hung up then they call later that day.
Product: Vehicle loan or lease

I was XXXX in XXXX of 2019 and was transfered to The Colorado Department Of Corrections in XXXX of 2019. I will provide that info in this complaint. I was XXXX  when this auto note was taken out. I have NO KNOWLEDGE or did I give ANYONE permission to open an account. I tried to Call the dealer XXXX XXXX XXXX on XXXX XXXX XXXX here in XXXX Co who was given to me by Cedit accepatance. Low and behold this dealership is NO LONGER IN BUSINESS. 
I have been trying to dispute this account since I was in prison with NO luck. SO here I am now trying to resolve this issue. 
XXXX is where I can be reached at
Product: Credit reporting, credit repair services, or other personal consumer reports

I am absolutely livid that someone has literally stolen my whole identity and just getting away with it. They even were able to file bankruptcy in my name and just continue living like they were me to open MORE accounts. This is the 3rd complaint I have wrote and it seems to have done nothing to help me. I have filed a police report and a FTC report and disputed all fraudulent accounts with all 3 bureaus and they have done nothing to help me. I sent everything they asked of me during the dispute and it seems Im just ignored. This should not be legal.
Product: Credit card

a XXXX XXXX  account was opened on XX/XX/2021 in my name for XXXX without my consent
Product: Credit reporting or other personal consumer reports

My credit score has decreased by XXXX points due to data breach, causing false inquires, derogatory information and incorrect postings. My credit is good and I am never late. Something is wrong, due to the my data being used by others. Please restore my credit to satisfactory level.
Product: Checking or savings account

I had an unauthorized transaction on my card from Bank of America. But, they don't even want to open a case to figure it out. They reissued the card and say good bye. The police told me that in this case the main thing so that the bank would start the investigation ... ..
Product: Credit reporting or other personal consumer reports

i have XXXX loan home moergage i Never choose this company but XXXX XXXX Sell my loan to XXXX MORTGAGE these are very unprofeesional Not sending Correct Report to CREDIT BEAURE EVEN MY MONTHLY PAY MENT NOT REPORT last XXXX months my another bank denied to increse my credit line they said you have high mortgage payment not paying on time when i call XXXX  they threaten me even and they said you call them tell them credit beaure Credit beaure said we are not listing customer we listing bank we work for lender not for customer XXXX  SOUND LIKE THEY ARE XXXX for XXXX XXXX they sent report loan moidification but not ask me for escrow payment 1.. please update monthly payment to credit beaure no HIGH Balance and if possible seel my loan to another bank i hate XXXX mortgage name very shamefull peoples well trained to excuse andd threat to customer
Product: Credit reporting or other personal consumer reports

I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried accessing my credit report and score and I don't have access to neither and its very frustrating because it's basically stopping me from being able to do anything, equifax doesn't allow me to have any access to my credit report whatsoever and hasn't for i cant remember how many years I'm being told I have a XXXX credit score can't apply for credit cards NOTHING I'm just told no credit please help me fix this because the credit companies refuse
Product: Student loan

My bank sent an electronic payment to Mohela on XX/XX/XXXX for the amount of {$140.00} to be credited to my student loan payment which was due on the XXXX of XXXX. I logged onto my account on XX/XX/XXXX and noticed it was showing that I had not paid it. I messaged them and sat on hold for almost 4 hours waiting to speak to someone. When the person answered they said I sent it to the wrong address. Then they also said they had no record of a payment so I would need to call my bank to cancel the first one and send a new payment. My bank said they did receive it and attempted to call Mohela but could not get through. When I got home I had 2 letters from Mohela, one dated XX/XX/XXXX, stating they had received my payment but at the wrong address ( again it was electronic not paper ) and it would be credited and the other was a bill stating I had not paid anything. I went ahead and submitted another payment on the XXXX just to ensure it would be within the 15 day window. Neither payment has been credited and it is now the XXXX. I have also emailed 4 more times to no response at all. Now, it is almost time for another payment and I am not sure what to do.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

My escrow bills ( tax and insurance ) in 2018 will be going up by XXXX total for the year. However, my loan just transferred servicing and somehow they say I need to pay XXXX per month more. 

Also, it is suspicious my loan just transferred last XXXX and they said the escrow balance was only {$4.00}. 

I think XXXX, the prior servicing company, maybe did n't pass the escrow fund to the new servicer Amerinat. 

Amerinat claims they sent me a letter showing me the calculations however I never got it.
Product: Credit reporting or other personal consumer reports

Ally financial has been breaking the law by unlawfully defaming my credit report by constantly using it to show late payment, and that the account is open on one agency then closed on another! 15 usc 16816 permissible purpose. 15 usc 1681 ( s ) -2 compliance
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed several mistakes. There were names and addresses that I do not go by for starters. Also, the accounts that reported to collections were medical bills. I was always covered under my parent 's insurance, and the balances shown on my credit report were inaccurate. There were several companies that I did not recognize or sign a contract with. I did not agree to pay the interest tacked onto my bills either. I requested an itemized statement and contract, but never received either. Instead I received one generalized collection letter that explained nothing! I disputed these errors with all  XXXX  credit bureaus, and only a few were resolved. This is extremely frustrating for me because my credit has been significantly hurt because of these errors of medical billing offices. I have exhausted all efforts in resolving these accounts, and they wont even send me supporting documents to their claims. If they can not provide adequate paperwork, then they should remove this off my credit as the Fair Credit Reporting Act regulates.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, XXXX XX/XX/2021, I mailed a dispute package to TransUnion by certified mailed for information that is inaccurate or items that are mine which are currently reflecting on my credit report. That package was delivered to Transunion on XX/XX/2021. 
Additionally, I mailed a letter by first class mail to ALL THE COMPANIES that were reporting negative information on my credit report on XX/XX/2021 asking them to provide proof of the subject account ( s ).

TransUnion and all companies I have contacted HAVE FAILED TO DO ANYTHING regarding my concerns, including contacting me, to help me remove inaccurate information or items that are not mine. 
I will be reaching out to Mr. XXXX XXXX ( CEO of TransUnion ) via email within 45 days of this complaint and all the companys board of directors for their assistance in this matter. 
CFPB, please do allow TransUnion and others to simply ignore peoples request for help. I will also seek the assistance of members of Congress with this matter in the next few months if this issue remains unsolved. 
Thank you.
Product: Credit reporting or other personal consumer reports

I receive XXXX  and credit cards doesnt belong to me. The address isnt even correct.