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

YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.

1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.

2. What is a FCRA violation?

Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number.

Agencies fail to follow guidelines for handling disputes.

3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.Receive notification if information in my file has been used against me in applying for credit or other transactions. Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.

Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).

I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Checking or savings account

There is a company that took out transactions without my authorization. I immediately notified Bank of America and they failed to stop the two transactions from posting even after I filed a claim and stop payments with this merchant. Bank of America took 3 weeeks to file a temporary credit as if it were my fault. They failed to get in contact with the merchant. They are not immediate in helping customers and their system fails to stop the unauthorized payments from going through creating emotional distress. They do not seem to care.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXXXXXX 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

I reported to the credit bureaus : XXXX and XXXX that the account of XXXX was not my account. Placed disputes for XXXX with the credit bureaus on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. They were all denied and were told to keep on credit report even when I provided a FTC report attached. I called the credit bureaus on XX/XX/XXXX asking both how was the information confirmed by the company and they told me to call XXXX. I tried calling XXXX several times on separate times and I could not talk to a representative to ask for them to provide me documentation of my signature opening the account because according to XXXX I dont have the proper information to verify the account.
Product: Credit card or prepaid card

on XX/XX/2022 I applied for Credit card offer with capital one bank and the term and condition agreement was no annual fee. 
After the account establish and activated the card when i login it was {$39.00} annual fee. 
At that time when i contact capital one bank i was told that the term & condition can change after the card activated. 
I completely disagree to that type of change and to wave the fee to close the account i did. 
i ask to hard inquire be removed from my credit profile, the respond was nothing they can do. 
please i need your help to remove the enquire form my file thanks
Product: Credit reporting

after reporting my identity theft, to the police department, and summiting a report to the various credit consumer agencies, I settle various claims with couple of Banks, an Investigation by XXXX and XXXX was concluded and bad records Deleted. 
EXPERIAN, I needed to hire an attorney, ( XXXX ) to get Experian to delete my record, only to have then put back, XXXX, acct # XXXX, as acct was settled for XXXX should be XXXX XXXX XXXX acct # XXXX, settled for XXXX, both accts are more then ( 7 ) years. 
EXPERIAN IS A NASTY, MONEY HUNGRE, HUMAN DESTROYERS COMPANY.
Product: Mortgage

I made two payments Bank of America on my account in XXXX of XXXX they applied them on XX/XX/XXXX one for XXXXXXXX XXXX payment and took the other payment and applied them to escrow only and will not change them XXXX, XXXX payment was made via check XXXX 's payment check numberXXXX for amount of XXXX for principal and interest and checked number XXXX for XXXX for escrow as described in memos portion of check XX/XX/ payment check number XXXX for XXXX for principal and interest escrow check number for XX/XX/ amount of XXXX as described in memo portion of check they only applied XXXX month payment put the rest in an undeposited account and then moved it to escrow
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX and run a charitable XXXX XXXX that saves wild mustangs and assists our nations veterans with XXXX. I have recently become aware of some major hacks to my social security number and from their have started requests from the 3 major credit bureaus and the IRS in particular for help in correcting the situation. This situation has limited my ability to help the veterans as I was denied credit for not knowing false information was on my credit reports. 
I am reaching for assistance regarding my credit report and the XXXX XXXX social security number has been hacked and used according to all 3 major credit bureaus XXXX, XXXX and Experian. 
I have already requested an investigation from the Internal Revenue Service ( IRS ). 
I am including dates and items that I would like fully investigated and deleted from my credit reports. I have never heard some of these items. And now I am reaching out to you for help. 
In the following 15 U.S.C. Sec. 1681 ( a )? I am aware that if proof can not be provided, these accounts must be deleted.I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me, it is much appreciated. 
The social security breaches occurred on the following dates according to all 3 major credit reports : Site : Number of Breaches Type of XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number/Phone number/ XXXX passwords XX/XX/XXXXXXXX XXXX XXXX Social Security Number/ XXXX XXXX XX/XX/XXXX XXXX XXXX Social Security XXXX XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ Phone # / XX/XX/XXXX XXXX XXXX Social Security Number/ Phone # XX/XX/XXXX XXXX XXXX XXXX Social Security Number XX/XX/XXXX XXXX XXXX Social Security Number XX/XX/XXXX XXXX XXXX XXXX delete the Following 10 Hard Inquiries : Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Inquiry XXXX XXXX Bank Date of Inquiry XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Inquiry XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three credit bureaus regarding unverified debt appearing on my credit report. I sent a individual letters to each bureau asking for verification of debt regarding my credit report and score. On XX/XX/2017 I sent these letters with certified mail and the letters were received by each bureau. The letters simply stated that this debt verified and proof of documentation to be presented within 30 days. If not simply stated the following : Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

XXXX has yet to remove this debt from my credit reports which is adversly affecting my credit score and credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to contact transunion to view my credit report because I found out from my other report that it was unauthorized inquiries on my credit report. I am unable to review my report because someone is using my report. They are asking me to verify email XXXX This is not my email! I have found the problem. Why my credit card balance change! Also some has a XXXX  account in my name as well! I need assess to my account to see what is going on!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had deleted an account with a company ( XXXX XXXX ) and sent me another credit report. They also said that they took steps to where this account would not be put back on my credit profile and now it is back on my Equifax credit report. I sent them a copy of the report after the investigation stating that they deleted the account and took steps so it would not reappear. The strange thing is that they have a total different address for this company than XXXX or XXXX which makes me feel that something isn't right.I would like to ask for your help in resolving this issue please? Thank you very much and XXXX XXXX.
Product: Vehicle loan or lease

I have completed my installment as XX/XX/19 however I am still receiving a bill for the full installment I just paid off. I don't understand why the company keep moving the amount of my loan. I'm getting charged for addition finance charges as well as fees foe making payments for less then the installment amount of {$380.00} when the rep on my account set up payment to be paid every other week for a short period of time. I am concern that this loan will never be completed. the information is don't add up. I need a breakdown for the balance reminding on this account. 
I would like to pay it off as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a fraud/identity theft report with the FTC XX/XX/2019 and also sent the credit bureaus a copy of this report as well as a dispute letter with the disputed inaccurate accounts attached with my social and identification card on XX/XX/19. I was informed by the FTC to put a freeze on accounts as I did so as well, the bureaus is still reporting these felonious accts.. 
1. XXXX XXXX acct # XXXX 
2. XXXX XXXX acct # XXXX 3. XXXX XXXX acct # XXXX ... 
4. XXXX acct # XXXX
Product: Mortgage

On XX/XX/XXXX, we requested information about the balance we owed to Shellpoint Mortgage in order to try and make payments toward the principal only. We received the attached reply on XX/XX/XXXX showing a principle due of {$170000.00} plus the deferred principle of {$160000.00}. It appears that the deferred principal reduction amount of {$110000.00} has been included as a result of several late payments we made due to an unexpected and unavoidable medical situation involving XXXX XXXX that resulted in loss of employment to him for a period of time and additional expenses that forced us to miss several payments. 

These were all made whole and our loan is now current and has been current. We were not aware of the penalty that would be imposed as a result of missed payments and we never received any notice prior to the first, second or third anniversary of XX/XX/XXXX. We were unable due to serious unforeseen circumstances to make several payments but we would have found family to assist if we were aware or made aware of the severe penalty. We are asking ( begging ) for forgiveness of the penalty and reinstatement of the original terms as we are now aware, regardless of our own personal circumstances we are and will continue to make all payments current as required pursuant to the original documents. 

As we wrote above, the only reason for our untimely payments were significant and unforeseen circumstances. Had we been aware of the penalty we wouldve found other alternatives and borrowed from family or friends to try to avoid this serious penalty. If this penalty remains in place, it will result in the loss of our family home and prevent us from any financial security. Were therefore requesting your sincere and best efforts to assist us in having our original terms reinstated. Seems predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was surprised when I saw my Credit File reporting accounts t hat I never knew or heard of. Upon further inspection, I realized that these accounts are fraudulent information reporting on my Credit report. I am now submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX XXXX XXXX : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX : {$2400.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$510.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK XXXX XXXX. ) XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX. ) XXXX XXXX : {$710.00} Date Opened : XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Mortgage

LenderFi is my mortgage company and has failed to make my homeowners insurance payment. This is the fourth time they have failed to pay escrowed items. 

The first three times they failed to pay my taxes, to which the town charged me late fees after I manually made a payment from my bank account ( not from the escrow ). When that happened, they refused to reimburse me from the escrow for many months. LenderFi never paid back my late fee. I eventually got reimbursed for the tax payments I made from my checking account, but was out thousands until then. I got them to drop the tax escrow, and now pay that myself. I still have them escrow the insurance. They have failed to pay the insurance despite being contractually obligated to pay it from my escrow account. The only reason I pay the insurance through escrow is that they require me to prove that I paid ot each year, or else they will sign me up for expensive insurance and force me to pay for it. Since they are incompetent and can't pay my escrowed items on time, how can I trust them to be staffed well enough to process my proof of insurance in a timely manner before they enroll me in expensive insurance. 

I have tried contacting them on their most recent mess-up, but their website won't let me on to see their phone number since I'm traveling XXXX. I'm also fed up with the run around in given every time I have to call to fix this ongoing issue with LenderFi 's incompetence surrounding escrow. Please get them to pay my escrowed bills on time and in full. Please also tell them that they need to do this consistently with all their customers. I feel trapped since I can't escape them via refinance since the rates have climbed so much. Thank you for your time.
Product: Debt collection

National Credit Systems contacted me through mail two and half months ago saying I owed a debt from a previous apartment. That was my first time receiving any notice, bill, or anything regarding the so called debt. I reached out to them because I had already paid the apartments at the end of my lease and had proof. They had me email in proof and said it would be deleted once recieved. I called back the next day and they confirmed paperwork had been recieved and that the account was closed. They also mentioned that I could call back in up to 30 days to confirm this. Today, I recieved a notification through XXXX  that it had just been added to my credit report.

Besides all of this, national credit systems is not even licensed to collect in the state of Texas and I demand this account be closed and  removed from all three of the credit reporting agencies.
Product: Bank account or service

While we were vacationing in XXXX, FL last week ( XX/XX/XXXX-XX/XX/2015 ), some crook went into a Chase branch located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX and EMPTIED out our checking account. Someone posing as my husband withdrew {$4300.00} from our account leaving us with less than {$130.00}!!!!!! We have many bills coming due XX/XX/XXXX including our mortgage and homeowners associated dues, with others to follow including life insurance, car payment, etc. We went to the branch and filed the complaint. Chase says we now have to wait 30 business days and will not give us a provisional credit! This is OUTRAGEOUS. That will bring us into XX/XX/XXXX! We have bills to pay. This was not our fault. This was negligence on the bank 's side and they can easily fix this by pulling up surveillance video to confirm this was not us. Now we suffer because of the lack of security measures taken at the branch that allowed some low life criminal to empty our checking account on XXXX!!!
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. 




XXXXXXXX XXXX XXXX  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 believe FCRA 605B obliges us to eliminate any incorrect accounts from my credit report. Could you verify the documents? Some of the listed accounts inaccurately report amounts and dates.
Product: Debt collection

The woods apartment located at XXXX XXXX XXXX XXXX XXXX XXXX TX is claiming I owe {$380.00} after they kept my {$300.00} deposit two almost three years ago. Last month I received an alert that a collection was added to my credit report. I saw it was from my old place. I never received or was told I owed additional fees and I live in another state now. I reached out to XXXX and asked for an itemized list of damages she claims I owe. She failed to do so and have not yet to respond to my calls. The collection company continues to flag my credit report up and down raising it XXXX $ off and on for some odd reason. I don't owe them NOTHING. When I moved manager said I wasn't getting my deposit back. I left alone. Now three years later I owe something
Product: Credit reporting or other personal consumer reports

I was notified of my ex spouse 's passing and that an account in my name was past due for discover credit card. The charges were made by my ex spouse and I suspect when he passed, he was unable to pay this bill which led to my credit scores dropping. We have been divorced for several years and I have submitted documentation of our finalized divorce papers. I contacted XXXX twice once on XX/XX/XXXX and on XX/XX/XXXX with responses that said " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I am requesting to remove the past due balance and clear my name from the negative reports from the credit card bureaus that have negatively affected my credit score.
Product: Consumer Loan

I have a credit card and and an unsecured loan with WF. My payments are {$500.00} plus on one and $ 200plus on the other. I have asked WF to consolidate these loans so that I can reduce my payments. My payments are on draft so I have never been late. WF underwriters keep telling me they can not do this. With consolidation I can have a lower payment each month and your loan is paid off. I am so sick of asking WF TO HELP ME, instead of their bottom dollar. There is no loss to you or me. It just helps me which I thought WF would try and help their customers. For so long I tried to get a refinance on my mortgage, which my local bank said was not authorized by your underwriters. I took a job in Florida and guess what they had no problem helping me out and refinanced my loan. I am being forced to seek help from the banking regulators just have a loan consolidation which is ridiculous. BEFORE I DO THIS ... .PLEASE HELP ME! I have my mortgage with you, I owe {$160.00} plus..but the market place in our country club says it s worth XXXX, but can not get an equity loan with you! PLEASE LOOK INTO THIS!