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

I am a victim of identity theft. I submitted dispute letters to XXXX, XXXX, and Transunion notifying them of the accounts that did not belong to me 60 days ago on XXXX I have yet to recieve a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and incomplete, and represents a very serious error in reporting. I request that the misleading information is deleted and a corrected credit profile is supplied to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, I request that the bureaus please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law the bureaus had thirty ( 30 ) days to complete your re-investigation, yet they have failed to respond. Flexibility was given and I allowed 60 days. Do not delay any further. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours
Product: Checking or savings account

On XX/XX/2020, I attempted to check my bank account balance with Bank of America. I received an error, telling me that I did not have access to the account. Since it was the weekend, I could not get any help. I called on Monday, XX/XX/2020, and after being on hold for 2 hours, spoke to a man in the " Risk Closures '' department, who told me that my bank account had an " 888 hold '' and was being closed by the bank. I recieved no notice, or warning of any kind. He said that my funds would be mailed to me, after a review of my account. I told him that they have all the money to my name, and I needed to pay rent in 2 days. I'm a single mom with XXXX teenage sons- and we need groceries!! He stated that he would request that my funds be released to a local branch instead, and to call back on XX/XX/2020. I called on XX/XX/2020, just to check the status, as the man from the previous day said I could, but there was no change. I called on XX/XX/2020 and was told by a woman that a check would be cut the next day ( XX/XX/2020 ). I asked to speak to her supervisor, and was given XXXX. She said she would request that my funds be released to a local branch instead of the check, as I can not wait 10 days to get my money. At this point, my funds should be around {$5000.00}. I was also told that items would clear my account, yet I have received 6 emails from XXXX, telling me that my bank account is being declined. I never even had any warning, and I am at a loss - I can't live without access to any of my money!
Product: Credit reporting, credit repair services, or other personal consumer reports

Viewed credit file with Experian in reference to XXXX account showing charged off. As of XX/XX/2019 the amount shows XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a host of hard inquiries that I have previously reported to be fraud on three credit reporting agencys reports. I have no knowledge of these inquiries. 
Inquiry : 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 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

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

I submitted a claim previously and I am not satisfied with the effort put forth by any of the parties including the CFPB to resolve it. Look here : According to the FAQ on SPS ' website ( XXXX XXXX XXXX ), they state the following : What happens if I send you more than the amount due for the current months payment? 
The answer to this question depends on whether you are current on your loan or past due. 
If you are current on your loan, and you pay us more than this month 's payment, the excess amount is used to reduce any fee balances first, then the principal balance of your loan. Any time additional money is applied to your principal balance, your loan may be paid off faster, assuming you continue to make your payments on time. 
If your monthly statement shows Past Due Payments, and you pay us more than this month 's payment, the excess amount is held in an unapplied balance until the balance reaches the amount of a regularly scheduled principal and interest payment. We then take the amount out of unapplied balance and apply it as a monthly principal and interest payment. 

please call attention to the 1st bullet point. It CLEARLY states when one pays MORE ( more than the required payment, it goes to the PRINCIPAL balance. THis is CLEAR as a blue sky. I do not understand why people do not do what they say they are going to do. ANd then the CFPB just turns and does squat? What the heck is that? Donald Trump should FIRE you! Fix this or I will XXXX the XXXX and complain about this garbage!
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

APPLE CARD/GS BANK USA XXXX
Product: Credit card

AMEX is not issuing cash back since XXXX 2016. I have spent over {$14000.00} since. 
I called numerous times without success. Last call was made XXXX/XXXX/2016 and I talked to XXXX supervisors and XXXX reps and still nothing it 's been done. XXXX, Sue # XXXX, XXXX ID # XXXX, XXXX ID # XXXX, XXXX # XXXX and XXXX XXXX. I have called numerous times since XX/XX/XXXX explaining that they OWE me money. Each time they open up a case. Each time I talked to someone, no one knows what happens and no one ever leaves notes because I always ask to read the notes and overtime their response is : " I do not see any note '' So I have to start over and over explaining that they are not issuing my CASH BACK. And no one seems to care.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX, XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$88.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

I deposited about {$3000.00} MO checks to my Capital One 360 checking account over the weekend. Yesterday, XXXX/XXXX/2015, I received an email wanting me to call XXXX and stated if I do n't, Capital One may close my account. I called immediately, waited on the line for over XXXX minutes, listening to music and no one came. Finally, I hung up and called again. Same results. Today, XXXX, I called right at XXXX when they open but still the same results : waiting, listing to the music and no one I was able to talk to. Please help. I need access to my deposited money.
Product: Debt collection

This month it attached to my credit report and I never got or had anything from them and I was notified that my I'd may have been compromised and to watch for any new accounts to pop up that I am not aware of. No one has made contact other them darastically lowering my credit for a debt I don't owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 : {$0.00} ( Original Creditor : ) XXXX Balance : {$210.00} ( Original Creditor : ) XXXX Balance : {$110.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I wanted these items Deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was a victim of this data breach and Equifax has done nothing, Please help me delete these illegal accounts from my credit reports. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/year>, I responded to a mailer I received from PHH Mortgage Services regarding a Mortgage checkup & XXXX XXXX to access some of the equity for my property. I called the number listed on the mailer and was transferred to a Loan Officer. During the intake process the Loan Officer started questioning me about my reason for a XXXX XXXX amount, reason for the refinancing, other than the balloon payment, with interest rates high. We discussed my fixed income, property taxes, credit worthiness & HOA dues and payment history. The loan XXXX started making comments regarding my economic situation, age of the loan in relationship to the current balance, my debt -- ratio. She expressed that the ONLY OPTION I had would be to SELL! my XXXX. I would not find any other loan XXXX to qualify me for a personal loan or any kind of refinancing. To put my XXXX up for sale and get out of the mortgage with PHH. My payment & credit history is exceptional. The equity is no problem. I pay my own property taxes & insurance without any delinquencies. For the PHH loan XXXX to make such a finalized remark & disqualify my application remains to be revealed. I have my legal/ethical suspensions which dated back to my initial Modification with XXXX-PHH-Onity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I challenged the accuracy of my credit report with the consumer reporting agencies and ask them to review data to ensure that it is up-to-date and compliant with FCRA section 611 and Metro 2 reporting standards XXXX I am concerned about the potential for inaccuracies in my profile and require that all inquiries have a permissible purpose and be accurately sourced. I also demanded the permanent removal of any inaccuracies immediately. On XX/XX/XXXX I received that my dispute results was accurate to remain but it was never proven to be factual, so now I decided enough is enough and will exercise my consumer rights because the accounts that Ive attached is either untrue, unverified and incorrect, please remove them immediately. I also had some fed service loans removed from my transunion report but now them same accounts is reporting on my XXXX report without my consent which is illegal and I demand those accounts to be removed as well..These accounts on my report is affecting with my lifestyle and its stopping me from getting loans, defaming my character and also hindering me for providing for my family ..those accounts is making me struggle behind those accounts thats being reported illegally..please delete..Ive have attached documents with everything highlighted and circle thats a concern and either untrue or inaccurate along with asking you all for an explanation on why this is on my report and I also attached screenshots of accounts that been removed from transunion and now them same accounts is being reported to my XXXX report without consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX should not be reporting collections in the amount of {$3800.00} and {$1000.00} on XXXX XXXX XXXX, original creditor XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I was forced to vacate the premises because of an untenable situation with the tenants who were living below me. They were involved in illegal activity and it was very unsafe for my children and my wife and I to stay there. I wanted to file a formal police report however was encouraged not to for fear of retaliation from the tenants. I contacted the apartment complex manager and shared detailed information of the issues that were occurring and the apartment manager agreed that I had no choice but to vacate for the safety of myself and my family. The manager and I agreed that I pay {$1000.00} to terminate the lease. I was assured that the lease would be null and void and that I was free to move. I was not aware that these accounts had gone to collections until I obtained a copy of my most recent credit report. I immediately tried to contact the apartment complex manager to discuss this. I never received any notice from the apartment complex regarding any outstanding balance due. Pursuant to my agreement with the apartment complex manager, there is no outstanding balance and therefore nothing to collect. This false reporting of multiple collections is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this item 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 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit 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 disputed XXXX XXXX collection for {$100.00} after speaking with XXXX in which they agreed to delete the account from collection due to an error in their accounting. Due to Me having a current Active account with XXXX. The dispute results were verified as accurate even though it is false. Please verify with XXXX and remove the account from my Credit Report.
Product: Credit card

Received Sears Credit Card checks with offer of no interest for 2 years for purchases or balance transfers. There was a mention of a fee for using this service but did not indicate amount. Upon receipt of bill there was a service fee of XXXX % on the balance and then they charged interest on the service fee. No where in the information did it say you would pay interest on the service fee so their offer of no interest on the balance is incorrect. Believe this to be false advertising and excessive charges not disclosed
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX/XXXX XXXX XXXX**** and XXXX XXXX XXXX****
Product: Credit reporting or other personal consumer reports

The cards are reporting that they are over limit, credit usage increased and payments are behind. The problem us I have never had a XXXX XXXX XXXX XXXX  and whenever I try to dispute the despute never gets resolved and they say information is correct which is not true.
Product: Checking or savings account

I opted to share this situation because its important that the community knows how bad greed has permeated at this financial institution. First Hawaiian Bank is literally taking money from me each month, and I have tried a number of times to stop it. Unfortunately, I have my life insurance tied to the account ; therefore, I can not close it. Its not hard to imagine a group of banking executives at First Hawaiian Bank scheming about increasing profits setting up fees, rules and policies to game the system. In essence, my bank is charging me an online fee for no reason. I have tried to rectify the situation and they tell me that it is my fault ; I must have clicked on something on their website to trigger a charge. I called to stop the monthly leakage in my budget after being on hold for hours ( it has been several calls over the last few months, this fee re-emerges ). It has been over a year, and I have tried a number of times even talking to the bank manager after several calls to the service center and online inquiries. I believe that the bank has gamed the system with rules that they make up to basically funnel more money to their coffers. First Hawaiian Bank should be ashamed. If you look into this policy and their explanation of it, it is a circular argument intended to take advantage of the situation. PLEASE PLEASE LOOK INTO IT. For any consumer thinking about doing business with First Hawaiian Bank, please know that once youre in, they will take advantage of you!
Product: Credit reporting, credit repair services, or other personal consumer reports

this started in 2001 and was reported as identity fraud and i had a new social secuerity card. ive been trying for years to get this debt removed from my credit report. 
this is not mine.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND I WANT THEM TO BE DELETED BECAUSE THEY ARE IN MY REPORT XXXX XXXX XXXX {$1300.00} XXXXXXXX XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX {$1700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, rights of privacy have been abused and breached by this bureau which could be a direct violation of government law. This bureau is additionally in infringement of government law by detailing deluding accounts on their site without my authorization. This bureau is reporting inaccurate data on their site and based on the federal law, it is the bureau 's GRAVE Duty to guarantee fairness, unbiasedness, and a regard for the consumer 's right to privacy. Their carelessness has caused me trouble and I'm seeking litigation.
Product: Payday loan, title loan, or personal loan

I received a loan from this lender on XX/XX/2021 for XXXX at a yearly interest rate of 773.47 %. I needed the loan to pay an urgent utility bill because my bank had held a check longer than expected. I intended to pay this loan back as soon as possible to avoid paying {$1500.00} over the full life of the loan. However, I am unable to contact this company to do this. I have sent two emails to the email address on their website and on the loan contract, XXXX, on XX/XX/2021 and XX/XX/2021 and both have come back as undeliverable. I have called both numbers on their website and on the loan contract, XXXX and XXXX, during the hours listed and I can not get through to a person. I have not received statements and there is no online account available to manage the loan. I have no idea what my payoff amount is and I have no way to make the payment.