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

To Whom It May Concern, On XX/XX/XXXX, I filed a request/dispute with XXXX, and Experian via Certified Mail in reference to Public record information on my report. Specifically a chapter XXXX bankruptcy case number XXXX. The Agencies - XXXX, and Experian then alleged to have obtained from a local, state and federal court through a 3rd party vendor XXXX. Included are two letters, one from United States Bankruptcy Court, XXXX District of Illinois stating that The bankruptcy court does NOT perform any activities with the credit bureaus, and another letter from XXXX stating that XXXX was unable to verify the accuracy of bankruptcy case number XXXX within the required timeframe as outlined by the Fair Credit Reporting Act and subsequently removed this record from my XXXX Risk view report. If XXXX has already removed the bankruptcy ( case number XXXX  ) from their records, I feel XXXX is reporting this bankruptcy illegally and in violation of the FCRA because they did not verify the information directly with the court. The only clear thing is that the XXXX is in direct violation of my rights and the law under the FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] and 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re investigation 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 re-investigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the data furnisher of that information that the information has been modified or deleted from the file of the consumer. Among many other violations. They are unwilling and unable to verify any information and conduct due diligence as is required by the law and the FCRA and yet refuse to delete this information as is required by Law. I humbly ask for assistance in having this information deleted from my Credit file at  XXXX, and Experian
Product: Mortgage

BSI Financial Services, as purported agent for XXXX solely in its capacity as Separate Trustee of XXXX XXXX XXXX, is attempting a non-judicial foreclosure action with a sale date scheduled for XXXX XXXX, 2016. However, BSI is not the agent for the true owner of the loan. In addition XXXX XXXX XXXX, XXXX XXXX, XXXX and the XXXX XXXX XXXX are not the owners of the loan nor are they agents of the true owner of the loan. This non-judicial foreclosure is being wrongfully attempted by a party that is not being transparent as required by Oregon state non-judicial foreclosure laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB complaint requesting that they remove the disputed fraudulent accounts and information completely from my Credit report. This complaint is my 6th CFPB Complaint informing the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$490.00} 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 Balance Owed : {$490.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$960.00} XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX, XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 card

Hi - My name is XXXX and I opened a Checking Account with Chase ( at the XXXX branch in downtown XXXX ) on XX/XX/2017. I was told by the banker that I could be approved for a credit card and hence agreed to apply for their Chase Freedom card the same day. The following week, I received a letter from the bank asking for my SSN card as well as photo ID proof to process the application for following which I submitted my documents at the Chase branch at XXXX in downtown XXXX on XX/XX/XXXX. I was assured by the banker at this branch that no other steps were needed for my application and I should expect the card in my mail soon. However weeks had passed and the only letter I received was one acknowledging the receipt of my SSN and that no other steps were needed for my application ( dated XX/XX/2017 ). Having not heard anything for a month, when I called the helpline numbers of Chase, they deny having received my documentation and tell me that I need to reapply, which would require another hard pull on my credit score. 
Had I not qualified, I would understand a rejection of my credit card application but having promptly provided them with all the information I had been asked for, I feel that I have not been treated fairly by Chase. There has been no communication and a lack of care and transparency from their end. 
I request you to look into the matter and take the required action. 

Thanks, XXXX
Product: Debt collection

Never received a written letter from the debt collection company about the account in collections. It just popped up on my report on day. Then I get calls almost everyday. From this company.
Product: Credit reporting

Equifax has consistently reported my credit information incorrectly from XXXX XXXX. Both of the other agencies get it correct. Now they have said my account is " closed '' with a balance that is paid on time. Furthermore, they have not reported activity since XXXX 2014. I went directly to XXXX and asked them to correct this. They told me in an email that they reported each month to all three agencies and would provide Equifax with yet another report and confirm that my account was in excellent standing. I pasted this into the email to Equifax. Equifax did nothing at all and said they could not read the " message. '' I got an email from them earlier asking me to " call them '' as they could not " access my report '' without talking to them. This looked very suspicious to me, so I told them so. That is when they completely refused to change or do anything. This is a bad agency that is wrecking my score. Furthermore, I believe their behavior is sexist, as my husband is resident in the XXXX, has no credit here, except for a lien for state taxes that is wrong and has a higher score than I. I have a mortgage, car loan and several low limit cards because I worked XXXX for several years. Still I have four years of solid, good credit. My scores, especially at Equifax, do not reflect this at all. I pay Equifax {$30.00} per month to get this right. But they just continue to mess up. I 'm fed up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I sent letters to Transunion Credit Bureau last XX/XX/2021, and I have not received any response from them. That means Transunion has failed to comply with the Fair Credit Reporting Act law and continuously reported inaccurate information on my Credit Report. Here are the concerned accounts that need to remove completely from my Credit Report : XXXX-Balance {$590.00} XXXX-Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX {$37000.00} XXXX {$580.00} XXXX {$540.00} XXXX {$970.00} XXXX {$540.00} XXXX {$57.00}
Product: Checking or savings account

On XXXX XXXX of XXXX  several transactions resulting in {$3000.00} were charged to my account. I disputed these with my bank and they decided I was responsible. These transactions were not authorized. Citibank closed down the debit card and wrote a letter deeming me responsible. I have filed a police report and the number is XXXX
Product: Bank account or service

I have a Regions Bank checking account. I was charged approximately {$400.00} in overdraft fees for purchases, some quite small. Regions Bank never alerted me that my account had issues. 

The Regions Bank representatives I contactd in Alabama -- XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX -- refused to give me the address of Regions Corporate office so that I could write a letter. XXXX XXXX refused to even give me his title.
Product: Debt collection

In accordance with the fair credit Reportin act Bull City Financial Solution Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states, I have the rights to privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. 

15 USC 1666B : A creditor may not treat payment on a credit card account under open end consumer credit plan as late for any purpose.
Product: Credit card

I am in a consolidated payment plan and make automatic payments each month to Citi bank as of XX/XX/XXXXXXXX XXXX I called Citi bank today requesting my XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX statements. I recorded the calls. Several representatives transferred me stating that I can not access my account because it is closed ; however I've been able to access my account since consolidating the debt so that's inaccurate. I have provided screenshots below of me receiving those statements. In XX/XX/XXXX I updated my contact information, email and phone number, I should be receiving statements and have not received statements after updating my information. I need to see my statements monthly and verify the interest they're charging. The representatives were unprofessional and raised a red flag on my end. I am reporting them for suspicious or fraudulent behavior because I wouldn't even know the accuracy of my account status, payments, interest they're charging etc. They also acted as if they didn't understand my request which is why I recorded the calls.
Product: Debt collection

For the second time, this company has appeared on my credit report out of thin air. This time on XXXX with the same amount of {$1200.00} from XXXX XXXX XXXX XXXX as the original creditor. In these critical financial times with COVID 19, I don't have time or the inclination to be playing games with credit. I have yet to receive anything from this company detailing these alleged charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Experian, This complaint is in relation to a credit account this creditor ( XXXX XXXX XXXX XXXX XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Product: Bank account or service

My dear Mother passed away a year ago. Mom and Dad had a joint account at the time with the Banco Popular of Puerto Rico. The bank immediately froze both the savings and checking account. The Banks ' excuse was that they following Puerto Rico 's Inheritance laws. I contacted the banks ' legal division and spoke with the Attorney XXXX XXXX. She informed me that if I and my XXXX sisters showed up in person the bank would unfreeze the accounts but she had to confirm if some documents were confirmed. Attorney XXXX can be reached at XXXX XXXX, ext. XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage with Specialized Loan Servicing. It was paid off XX/XX/2021 when I sold the house. I contacted the company in XXXX to ask when they were going to report the payoff to the credit bureaus. They said they had reported it on XX/XX/XXXX. The payoff has been applied to my husbands credit report, but not mine ( patriarchy! ). I sent a message to the lender through the online portal and never heard anything, and now I can not send them any more messages. I filed a dispute with XXXX, but I havent heard back from them yet. XXXX  will not let me submit a dispute because they said I already did ( even though I cant see the results of it ) and I cant get in touch with XXXX.
Product: Debt collection

XXXX XXXX XXXX had threaten me with a garnishment even though there is not a judgment against me at all. My federal loans were in deferment and my private loans were the only ones past due. I have complained to XXXX XXXX about XXXX, there are several complaints about them online about given misinformation on purpose. I have complained to the XXXX Department of Financial and Professional Regulation in XXXX because their behavior is illegal per XXXX law. XXXX claims XXXX is a lender when they are not, it is illegal to say that. NCT is a XXXX trust not a lender which has to be disclosed on the paperwork sent by them.
Product: Credit reporting or other personal consumer reports

The company has place inaccurate information on my consumer report. FCRA definitions ; rules of construction are clear of exclusion of reports containing information solely as to transactions or experiences between the consumer and the person making the report. 

I request a reasonable investigation and provide the results of the investigation to mandated under 1681i. Avoid contravene the Consumer Financial Protection Act as highlighted in the CFPB 's administrative proceeding ( FILE XXXX XXXX ) against XXXX.
Product: Debt collection

I had a leased car from XXXX XXXX in 2013 and I was just informed by XXXX XXXX that I have an outstanding toll violation in XXXX from XXXX/XXXX/13. I never received notice of the toll violation from XXXX or XXXX Dept. of Transportation. I use an EZ Pass and drove from XXXX to XXXX and the pass registered at all other tolls during this trip. I had no way of knowing if the EZ PAss registered since any notice would have been sent to XXXX XXXX as the owner of the car. PennCredit of XXXX, XXXX is now attempting to collect {$66.00} for a {$4.00} toll after 3 years.
Product: Mortgage

With the main loan or the big loan I am ok with a lot of sacrifices but I am paying on time because my son is helping me to pay with the 2nd loan is with the one I have problems. The put me on foreclosure but according to them they canceled it..because I didn't pay the 2nd loan for a while.. the confusion and problem was that nobody send me a bill since I did a bankruptcy on 2010 and the judge asked me if I want to keep my house and I said yes.. I thought it was included in the first loan but not when I tried to refinance that's when I found out that I have a lien against the property. The company for the 2nd loan never send me a bill or anything.. I was trying to talk tot the attorney that help me with the bankruptcy but i found out that she XXXX XXXX XXXX XXXX XXXX I asked my bank for the 1st loan and they said they didn't know anything about it. Last time I new from the 2nd loan I owe $ XXXX. Lately I've been trying to negotiate an pay it they brought me back and forth for 2.5 year and nothing.. now they're saying that they will sell my house so I pay them the loan now they are trying to charge me more than $ XXXX because I didn't pay the loan at all which is not truth I paid the loan to the first bank which was The XXXX XXXX  then later to XXXX XXXX XXXX XXXX etc etc.. when I did XXXX its when it stopped that why i thought it was included in the first loan. I don't think is fair that when I find out about the 2nd loan I've been negotiating with them and they didn't accept it now. They are not counting the time that I was paying the loan. I'm a hard working person my husband has been struggling with his health since XXXX of this year.. not able to work.. only me the one that is working and been responsible and paying all my bill.. please help me. I agree to pay what I owe but not triplicate the amount which I don't owe.. plus I never received a bill that was saying that I owe. Respectfuly, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. 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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 instruction
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Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I didn't realize how severe until I took a look at my credit reports. The following accounts are a result of theft and are not mine. 

I noticed the following accounts and inquiries on my credit report. 

XXXX  US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX inquiries XXXX XXXX Equifax 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 equifax US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries XXXX XXXX Equifax 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  US Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries XXXX XXXX Equifax 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: Mortgage

I am in a variable loan that was Wa Mu, now is Chase, and is not XXXX XXXX or XXXX XXXX. I have tried to re fi with Chase 3 times. I also complained and they told you they had not received an application. No true. Each time they say they will get back to me but do not. I am a XXXX Vet and this is not fair. They make more money by not re financing me so they just play dumb and lie to you.
Product: Checking or savings account

The company current claims they cant deposit money orders but they deposited one and not the other. Both were cashed by the bank ( or company ). They refuse to credit the account, and the {$200.00} check/money order is unable to be cashed as it has already been cashed.