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

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Greetings i have just notice that these companies listed has bought my personal information not to collect a debt but reporting for profit to themselves. This is against permissible purposes of my credit report. I do not owe any debt and refuse to pay charged off, collections accounts. Debt bondage is against the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a serious crime because I understand what fountain pen money is. There is no money gold and silver coin. Money theory and credit says that we use credit. Credit is only from the living sole. That's why corporations need and sell information to generate income through debts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is no law that gives debt collector the right to steal and sell my personal private information. This is identity theft and fraud on me. I will not work to pay debts that is unlawful. According to all of the privacy acts I have the constitutional right to be protected and secure. I do believe the CFPB willfully does not hold these thieves accountable to the letter of the law. The law is clear about Identity theft and permissible purpose. I do not have any written agreement with theses companies I am not lawfully obligated to pay a third party a debt that was charged off. That would be insanity paying a debt that a group of thieves bought to coerce more money from me a living man.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of a data breach in 2013, as XXXX XXXX and all of itts consumer personal financial information was exposed. Because of this recent discovery, I am very concerned about the privacy of my information, which has been compromised and it is all over in the dark web, loan accounts have been opened in my name. I was told to file a complaint now as I sent my dispute in with the major credit agencies with no action taken. A detailed letter of this dispute, my ID and my FTC ID theft report are attached. I'm requesting this information to be block from my credit report in accordance with the FCRA .Please remove all non-account holding inquiries in the last XXXX years.
Product: Credit card

It looks like Chase found a new way to scam poor consumers seeking credit solution. My Chase Freedom card is at it's limit. Since Chase won't increase my limit, I decided to sign up for my Chase Plan, a payment plan that Chase offers for certain transactions. I had 3 qualifying transactions and signed up on XX/XX/XXXX for 18 months payment plans. One of my transactions was for {$1100.00} and with the plan, I would pay only {$76.00} a month for 18 months for a reasonable fee. The Other 2 transactions were for {$150.00} and {$200.00}. The Chase plans are not Free. But instead of having the {$1100.00} as a lump charge, Chase would only charge me {$76.00} that is added to my amount due every month for 18 months plus a fee. The plan reduces the card balance. I had used the Chase Plan before on XX/XX/XXXX and it worked well. However this time my balance was not updated. The {$1100.00} is still showing charged to my card and on top of that my monthly due has been increased and reflecting the {$76.00} extra and the plan fees have also been added to my account. I called Chase all day Monday XX/XX/XXXX, spoke to a dozen CSRs and 2 supervisors. I was told that the plan is just to avoid paying the APR and that my monthly payment would allow me to lower my balance. That is not what I signed up for. A PAYMENT PLAN HAS NOTHING TO DO WITH LOWERING MY APR. AND WHY WOULD I PAY A MONTHLY FEE SO THE BANK CAN INCREASE MY AMOUNT DUE? I pay more than the amount due, whenever possible. I've paid {$500.00}, {$1500.00} or even {$2500.00} instead of the {$100.00} due. I did not sign up for a plan that would force me to pay {$76.00} plus a fee. Again, I know how the Chase plan works because I've successfully used it on XX/XX/XXXX for 2 purchases that were {$110.00} and {$180.00}. The very next day my balance was updated, and the 2 charges were no longer reflected in my balance. Chase can verify that. SO WHAT CHANGED? WHY IS CHASE NO LONGER ABIDING BY THE TERMS OF THE PLAN?
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed some inaccurate hard inquires reporting on my credit report If unauthorized, I did not apply for credit or provide consent for the inquiry.
Product: Debt collection

CB Merchant services called me on XX/XX/XXXX did not leave a message after seeing my caller ID I called the number back> I was advised by the customer service rep that XXXX XXXX XXXX XXXX office had referred the bill to their office back in XXXX but due to the pandemic they were not in the office and now they have reported the bill to credit reports as a collection. I advised the rep that was incorrect that I have XXXX  insurance and that all my co-payments were paid. At that time the rep indicated that they will reach out to the XXXX XXXX office who since retired and get back to me until then the collection would remain on my credit report. 

This bill was paid in full and I want CB Merchant to remove
Product: Mortgage

On XXXX XXXXXX/XX/XXXX we inquired online for a mortgage loan. We asked for only 1 lender contact us... XXXX XXXX We spoke with them and started the process. On Sunday we received phone call from XXXX telling us that we had asked for XXXX XXXX XXXX & they owned that site. The banker I spoke with was very enthusiastic & offered a low rate. It was only when I asked about high closing costs that I was told it included buying points down. I told them I was not interested in that & rates went up. We asked how to receive a Pre-Approval Letter as we were just starting to search online for a home 5 hrs north to be back closer to family. The banker walked us thru the process & before we knew it we had signed papers & paid application fee of {$500.00}. We had till Thursday to send in documentation to proceed. On Monday we decided not to proceed & called their Customer Service Dept to cancel. The rep. led me to believe it would not be a problem. The next call I received was from the banker telling me we needed to proceed & that getting the Application Fee back was not possible. We declined & told him we would contact CFPB. He told me in a very smug tone to go ahead & do what I needed to do. 
Since then we have rec 'd emails & phone calls to proceed with loan. We declined. Next?
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the failure to conduct a proper investigation into my dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. My dispute concerns the inaccurate late payment information reported on my credit report by XXXX XXXX Account Number : XXXX Nature of the Dispute : On [ XX/XX/XXXX ], I disputed the accuracy of the late payment information reported by XXXX XXXX Account Number : XXXX with your agency. Specifically, I contested the late payment notation for [ XX/XX/XXXX ] as it is incorrect. Despite my detailed dispute, I received a notification that my dispute was resolved without any changes to my credit report. I believe the investigation conducted by your agency was inadequate and did not comply with the requirements set forth by the FCRA, specifically 15 U.S.C. 1681i ( a ).

Request for Method of Verification : Under 15 U.S.C. 1681i ( a ) ( 7 ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information. Therefore, I am formally requesting the method of verification used in your investigation into my dispute regarding the late payment reported by XXXX XXXX Account Number : XXXX. Please provide detailed information on : The sources contacted during your investigation The documentation reviewed The process followed to verify the information Request for Re-Investigation : In addition, I request that you re-investigate this matter promptly. Under 15 U.S.C. 1681i ( a ), you are required to 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 credit report. 

Supporting Information from Original Creditor : I have also disputed this late payment directly with XXXX XXXX Account Number : XXXX, and they have confirmed that the late payment notation will be deleted due to inaccuracies in reporting. This further substantiates my claim that the information is incorrect. The original creditors acknowledgment of the inaccuracies indicates a violation of 15 U.S.C. 1681e ( b ), which mandates accurate reporting. 

Request for Update and removal of late payment : In light of the aforementioned inaccuracies and the failure to comply with the FCRA guidelines, I am requesting the immediate deletion of the late payment information for XXXX XXXX Account Number : XXXX from my credit report. Continued reporting of this inaccurate information is a violation of the FCRA and the guidelines of the Consumer Data Industry Association ( CDIA ). 

Conclusion : Please respond to this complaint in writing within 30 days of receipt, as mandated by the FCRA, with the results of your reinvestigation and the method of verification. If you fail to comply, I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and seek legal remedies. 

Thank you for your prompt attention to this matter. I look forward to your swift response and the correction of my credit report as well send me a new report with the new changes thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Demand for Deletion of Information Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) I am writing to formally request the deletion of information from my credit report in accordance with the Fair Credit Reporting Act, FCRA 605B ( 15 U.S.C. 1681c-2 ). The information in question relates to fraudulent activity and/or identity theft, which has adversely affected my credit report. 

Please find the details of my request below : FTC Report Number : XXXX Creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : 1. A copy of my credit report I received from your company. The fraudulent items are in screenshots from each credit reporting agency as shown in each screenshot. 2. A copy of my Identity Theft Report and proof of my identity. 3. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that specific information. 

I appreciate your prompt attention to this matter, and await your reply. I hereby request that the Consumer Financial Protection Bureau take immediate action to delete the aforementioned fraudulent information from my credit report within 4 business days, as well as in accordance with the provisions of the FCRA. The presence of this fraudulent information is causing significant harm to my financial standing and overall creditworthiness.

Please confirm receipt of this request and provide me with an update on the actions taken to resolve this matter. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX XXXX 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 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 've sold an item on XXXX and funds were sent to paypaI. I 've tried withdrawing my funds and my account was restricted. I called paypal and they stated they will not release my money until 180 days. My case ID # XXXX. Email address : XXXX I have {$290.00} in my paypal account.They were suppose to release funds after tracking and proof of delivery. I have provided them with all and they still holding my funds till 180 days
Product: Vehicle loan or lease

My rights under the Fair Credit Reporting Act, Section 623 US Code 1681s-2 ( a ) Duty of furnishers of information to furnish accurate information, have been violated by Carmax Auto Finance XXXX 

( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Carmax Auto Finance continues to knowingly and consciously certify inaccurate, false information obtained under false pretenses to the credit reporting agencies XXXX and XXXX, which is a clear violation of section 623 of the FCRA, despite receiving multiple written notifications that the auto loan obtained for vin number XXXX was the result of alleged identity theft. I have also rights under Section 623 US Code 1681s-2 ( 6 ) Duties of furnishers upon notice of identity theft-related information ( B ) Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. 

I am entitled to fines of up {$1000.00} per violation for each month you have been knowingly certifying false information to the credit reporting agencies, I am entitled to fines of up to {$1000.00} per violation as well as actual damages for knowingly reporting inaccurate negative information. This complaint is the first step in legal action if you continue to violate my FCRA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX charged me for some device ( a medem I think ) that it said I was responsible for returning it to XXXX XXXX XXXX. The dispute went for two years then XXXX XXXX XXXX admitted it was its mistake and refunded the money to me and notified the credit rating of the mistaken report. Before XXXX XXXX XXXX reported the problem to the credit rating companies, my score was XXXX. Now, the issue was resolved in my favor, XXXX continues rating my credit at XXXX, Equifax XXXX and XXXX XXXX. I have got no response from them with my complaints. I am applying for refinancing and can not get the favorable rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account has been paidoff in  XXXX  so how can it be reported late in  XXXX
Product: Student loan

Son Graduated in 2007 with debt of {$85000.00}. I am the co-signer and have paid a total of {$98000.00} to date and they say I still owe them {$100000.00}.
Product: Credit reporting or other personal consumer reports

I believe that according to FCRA 605B, we must eliminate any erroneous accounts from my credit report. Can you verify the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Product: Debt collection

A loan was taken out in my name. A bank account ( XXXX ) was used that i do not have. I submitted a police report for this
Product: Mortgage

We were advised that we could pay our escrow shortage of XXXX prior to XX/XX/2024 so our mortgage payment would remain the same. We paid XXXX on XXXX to the previous company ( XXXX XXXX XXXX ) and on XXXX we paid XXXX to Newrez Shellpoint ( current mtg company ). Shellpoint advised me last week they would conduct a re-analysis as our loan was newly acquired by them. However, they are unable to see our file/documents from the previous company. Now they are refusing to conduct a re-analysis and we paid the shortage in full ( XXXX ) prior to XX/XX/XXXX as advised and our mortgage payment increased - AFTER we cured the shortage. Lastly, I was advised that they will only do a re-analysis of our escrow account if we switch to a new company for our homeowner 's insurance.
Product: Debt collection

Have gotten several request since last XX/XX/XXXX from six different companies stating they are debited collectors on account of XXXX XXXX XXXX that is. It was not our account or number. We have stated this is not or has ever been our account. XXXXXXXX XXXX  closed our account after numerous years with them due to we think a fraud /suspious complaint filed by use on the account we did have but not this number. We have asked for verification of debt with more than just a statement which is our right under the law FDCPA that states it has to include more than just a statement This can be produced easily by a scammer and information on this original correspondence didnt match to attached document sent when it returned. As well as the original creditor is not a company or one we had card with. So we have actually never gotten verification it is our debt. To which it is not our debt. We tried to get the issue with XXXX fixed but the two calls made XX/XX/XXXX and XX/XX/XXXX only had them tell use we were good paying customers and they couldnt access account. A supervisor would return our call. As of to date we never received that call or explanation of reason for closing account. We couldnt access account any longer. Never received correspondence from XXXX regarding this even after the numerous letters sent. We did after XX/XX/XXXX filing the fraud/ suspicious activity case. The next couple weeks got several emails on new cards being mailed to look for those that never came. When we called they had no response for this either. So this is not our account or has it ever been. This harassment, distress and time bullying us into paying a debt we never owed under the above law needs to stop. Since it so many companies it seems like fraud on these companies parts as well.
Product: Credit reporting or other personal consumer reports

My loans have been deleted by the government due to my XXXX. I have the letter and have sent them to transunion, XXXX and experian to delete them/change status. They still show on my credit with a balance and or late pays.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I reached out to TransUnion and have been filing dispute since then. I have sent in every documentation that they have request from me. I sent in a FTC report informing them that they are reporting fraud on my consumer file. They stated that the XXXX Bankruptcy XXXX verify that the bankruptcy is reporting accurate on my file. I went to the court house and obtained a letter from the XXXX Bankruptcy XXXX which stated that they don't report bankruptcy. I have contacted XXXX which is stated on TransUnion website is their three party vendor. XXXX ensure me it's no bankruptcy reporting on my file because it was removed due to fraud. This bankruptcy has been removed from XXXX and XXXX. I have filed over 20 dispute with TransUnion each time the come back as verified. I have contacted XXXX and had them file a manual dispute several times and each time TransUnion is coming back less then 30 days stated that it is verified as accurate.The federal fair credit reporting act promotes accuracy, fairness, and privacy of information in the consumer reporting agencies. Consumer reporting agencies must correct or delete incomplete or inaccurate information. TransUnion has failed to abide by the rules and the laws set in place for consumers. I have been fighting with TransUnion for two years to remove this inaccurate. I have send in all the documents that they have requested. I really need help! I am trying to purchase a home and this is hurting me. My next step I will be filing a statement of claim if I can't get this resolved with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to make a consumer credit transaction. EQUIFAX is reporting inaccurate information on my consumer report. This includes inaccurate addresses and inaccurate variations of my name. I am having difficulties getting approved for credit due to damaging information on my report.

According to the FCRA 15 USC 1681 I have the right to a fair and accurate report. I have made EQUIFAX aware of the inaccuracies and by law they need to correct and update it.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED CREDIT INQUIRIES ARE LISTED ON MY CONSUMER REPORTS THAT I NEVER AUTHORIZED.