23daVinci/CFPB_Complaints huggingface dataset:
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 ( Original Creditor : 07 XXXX XXXX XXXX XXXX  ) XXXX, XXXX  ( Original Creditor : 14 XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : 07 XXXX XXXX XXXX XXXX XXXX ) XXXX,
Product: Credit reporting or other personal consumer reports

My student loans are currently under an Income-Driven Repayment ( IDR ) plan and are also in deferment, as I am presently unable to work due to a XXXX. I have submitted my approved IDR application to the company and provided mailed documentation confirming my unemployment status. Despite this, the company continues to report " late payments '' to the credit bureaus, which is exacerbating my financial hardship and hindering my ability to secure housing for myself and my children. There are two " late payment '' entries on my credit report from this company, even though the loans are currently in deferment.
Product: Checking or savings account

I had a account with chime in 2019 I opened the account to receive my small business loan I never did business with the account I just used it to receive my loan well chime decided to abruptly close my account and give me the run around about retrieving my funds. Its 2 years later and I have no clue where my remaining XXXX dollars is. Chime basically stole my money.
Product: Credit card or prepaid card

Today no access to website down, customer service line disconnects call, hold times for the last week two hours. Company won't use American workers so there is no follow thru.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$1700.00} XXXX {$3800.00} XXXX XXXX XXXX  {$520.00} XXXX XXXX {$3000.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$2400.00} XXXX AUTO {$43000.00} XXXX XXXX {$1100.00} INQUIRIES : XXXX XX/XX/year> AM VICTIM OF IDENTITY THEFT AND MY INFORMATION LEAKED IN MULTIPLE DATA BREACHES, WHICH RESULTED IN NUMEROUS FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has committed egregious violation in servicing our former account.  XXXX  refuses to take responsibility fo r 3 fa iled attempts at modification. It is THEIR failure, we cooperated and met our obligations under agreements fully.      XXXX  refuses to report this modification period as required in regulation to all major credit bureaus/ reporting agencies.  XXXX  offers a lawyered and morally deficient explanation for not responding.  XXXX  refuses to respond any further than attached documents reflect.  XXXX  has done great harm to former clients. Clients have continually corresponded to  XXXX  for redress. These practices must cease.
Product: Credit reporting or other personal consumer reports

Locked out of my Equifax credit file online. Received error message to contact Equifax where I was told, after verifying all my information with customer service representative, I was told I have to provide a photo ID. This is in violation to 15 U.S. Code 1681a ( k ) 1 ( b ) iv ( 1 ). After filing a dispute with CFPB my online account was locked by Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete these erroneous items from my credit report as soon as possible. 

*Please remover all non- account holding inquiries over 30 days old. 
Please add a Promotional Suppression to my credit file. 
Please remove all accounts that are not XXXX XXXX  Compliance Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). 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 ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to XXXXXXXX or any means of automated verification. 

Failure to respond satisfactorily within 30days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act 4 ) Financial Injury Thank you for your time, P.s. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforce Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : XXXX XXXX XXXX CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX CONTINUES TO WITHHOLD OR REPORT THE INCORRECT STATUS OF MY CREDIT FILE TO CREDITOR WHO I HAVE AUTHORIZED TO PULL MY CREDIT REPORT FOR CREDIT APPROVALS. EQUIFAX MIS-REPORTING AND OR FAILURE TO RELEASE MY CREDIT FILE TO CREDITORS WHO I HAVE AUTHORIZED HAS CAUSED GREAT INJURY AND SEVERE HARDSHIP UPON MY LIVLYHOOD. EQUIFAX CONTIUES TO DEPRIVE ME OF THE RIGHT TO BENEFIT FROM MY HARD WORK AND GOOD CREDIT STANDING IN VIOLATION OF THE FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I tried to dispute a number of inquires on my credit reported that I noticed and did not authorize. I disputed these inquiries with Equifax and the original creditors on XX/XX/XXXX. Equifax responded to my dispute and stated the inquiries are factual which is extremely frustrating because I did not apply to any of those places. I even submitted an ftc report which was requested. I dont know what else to do its clear my credit has been compromised and these folks will not help me out. 

Here are list of the inquiries dates and requests that I sent in through the mail. 

1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX please investigate this fraudulent inquiry and delete it from my report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX please investigate this fraudulent inquiry and delete it from my report. 

3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX please investigate this fraudulent inquiry and delete it from my report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX please investigate this fraudulent inquiry and delete it from my report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX please investigate this fraudulent inquiry and delete it from my report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX please investigate this fraudulent inquiry and delete it from my report. 

7. The inquiry was not authorized XXXX  CARD Date of inquiry : XX/XX/XXXX please investigate this fraudulent inquiry and delete it from my report. 

8. The inquiry was not authorized XXXX  CARD Date of inquiry : XX/XX/XXXX please investigate this fraudulent inquiry and delete it from my report.

9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX please investigate this fraudulent inquiry and delete it from my report. 

10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX please investigate this fraudulent inquiry and delete it from my report. 

11. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX please investigate this fraudulent inquiry and delete it from my report. 

12. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX please investigate this fraudulent inquiry and delete it from my report. 

13. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX please investigate this fraudulent inquiry and delete it from my report. 

14. The inquiry was not authorized XXXX  CARD Date of inquiry : XX/XX/XXXX please investigate this fraudulent inquiry and delete it from my report. 

15. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX please investigate this fraudulent inquiry and delete it from my report. 

16. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX please investigate this fraudulent inquiry and delete it from my report.
Product: Debt collection

I have now twice requested help in writing from USAA Savings Bank. Once in XX/XX/2020 and again a couple of days ago. I have contacted USAA Savings Bank through XXXX XXXX to resolve this matter. I am unable to go on-line through computer because the program does not allow for this sign-on. 

I mailed my payment a week ahead of the due date. It was not cashed until after I was charged a late fee, which is what I am asking to be removed from the account since I mailed the payment a week ahead of time. 

I'm hearing impaired and have explained that I wanted help in writing, not a telephone call. There has been zero written communication from USAA Savings Bank to me for the XX/XX/2020 request and so far, a telephone call today. The facebook messages all want me to sign up on line through a mobile device. This is active discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. 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 information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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
Product: Mortgage

After months of trying to determine why my escrow went up after my property value declined. I discovered that I was erroneously charged ~ {$1100.00} for liability insurance when I already have liability insurance through my XXXX XXXX. I faxed copies of the master policy months ago and never heard back. I did call to check but no XXXX in their customer service department speaks XXXX as a first language. Therefore no one understood my complex questions and I got frustrated and moved on. Then months later, after finally emailing the Ombudsman, I am sent all the documentation regarding my account and see this insurance premium that I did not authorize. I called the next day I was told by a XXXX speaker on the phone that a copy of the policy must come from the Insurance Company which is totally untrue. A valid copy of the policy is a valid copy of the policy. I did not have these issues when XXXX XXXX XXXX was my lien holder. They accepted all the documentation I submitted. 

I again faxed copies of all the insurance policies for the past three years, uploaded them to the website ( I was told to do this on the phone from a manager but honestly there was nowhere to do this except for the section marked for refinance applications ) and sent copies to the Ombudsman via email. On the phone, I dealt with a rep and a manager, XXXX of whom did not understand my questions and insisted on reading from a script, which meant that none of the responses matched my questions. I repeatedly asked for a timeline for a refund and was finally told that my account would be " credited '' if after XXXX14 business days, they find the policy to be valid. I would then need to contact another office to have the credit processed into a refund. I am extremely concerned that I will never receive my refund despite the fact that it was their clerical error that they lost or did receive but did n't accept ( the story kept changing ) copies of my liability insurance policy. None of these issues were communicated to me after receiving the initial request for a copy of my policy. The fact that I can not intelligently speak to someone on the phone regarding my problem is also a huge issue. 

I can not wait for the day until my mortgage is sold again away from this terrible company.
Product: Checking or savings account

I have been trying to access my bank account online at XXXX XXXX XXXX XXXX XXXX. My account was blocked online. On XX/XX/XXXX, XXXX, XXXX, I called but the phone numbers provided for my bank are not working. I get a reply saying the number is out of reach at XXXX and XXXX. On XX/XX/XXXX, I contacted the bank again through their " online chat '' and the agent referred me to the above-mentioned numbers. When I replied that those numbers were out of service, she apologized and told me to keep trying and that she couldn't give me any more information. 

I suspect the account was blocked because a couple of weeks ago I had to put a " fraud alert '' because someone tried to open a XXXX XXXX account using my information fraudulently. However, I was never contacted by my bank to verify any information and given that I cant reach them and they cant provide me with any other information I am at loss as to how to proceed.
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 Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I leased a car through Chase. At the end of the term, I turned in the car and received my final settlement statement including turn in, disposition fees, additional mileage, etc. I paid the total of {$970.00} in FULL. Months later, I received a collection notice from Chase in the mail for {$250.00}. I had never even been contacted by Chase about this. When I called their collection dept. to inquire, they stated that a teller had made a payment to my account in error, and I needed to pay for the tellers error. I now receive calls at least twice a week from the collections dept. To my home, to my work. My account was paid diligently every single month on the same day. This was a BANK error and I should not be hassled weekly for an error the bank has made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries that I never applied for I dont apply for anything because Im not interested in getting any of that credit stuff
Product: Credit reporting

When leaving to XXXX XXXX military status I am protected under the Servicememeber Civil Relief Act and XXXX reported my information. I settle the case with XXXX because they originally had charged me for cancellation which was disputed and removed from them and i paid the remaining bill of around XXXX dollars to close the account. The only reason why the contracts were broken was due to me changing over to XXXX XXXX status. When disputing this information for the credit agencies, XXXX corrected the matter though I had to dispute it twice. While, XXXX and experian corrected the balance but refuse to remove the account. I was told to contact the company which was already done because that is how I receive the knowledge to send the credit agencies my information to be removed. Therefore, it is now a pointing game on who needs to remove it from my collection account and it is becoming very frustrating when I have a act in place to protect me from all this. Attached are my order from the time I had to leave for XXXX XXXX status proving the time these companies reported me in collection I was XXXX. This information has also been provided to the credit agencies and still they keep declining the dispute even when I called they informed me that I have to keep it on there for 7 years when it should have not been reported in the first place.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting XXXX  % accurate.

The following accounts are a result of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNT : Account Name : XXXX  # XXXX - Date Opened XX/XX/year>
Product: Mortgage

I have submitted proof of insurance on two occasions to my mortgage services, Shellpoint Mortgage Servicing. Regardless of this fact, the mortgage servicer is insisting on purchasing " lender-placed insurance on [ my ] property..The premium will be charged to [ my ] escrow account. '' I have spoken multiple times with Shellpoint representatives, so there can be no mistake that these needless threats and this unwarranted abuse is intentional. I am afraid that this will escalate to a foreclosure, SINCE THE MORTGAGE SERVICER HAS BEEN COMPLETELY UNREASONABLE AND HAS NO IDEA WHAT IT IS DOING OR IS MALICIOUS.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of disputes, particularly in lieu of the recent CFPB litigation highlighting significant issues with the platform. Despite utilizing Zelle several times and reporting discrepancies, my financial institution and Zelle have failed to exercise the proper due diligence to investigate my claims. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect its consumers but has also allowed repeat offenders the opportunity to exploit their platform, leaving their users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

I wish to formally contest any unsubstantiated or inaccurately documented information in my credit report, according to the FCRA and the recognized XXXX XXXX data field reporting standards. The allegations of delinquency and derogatoriness require factual verification as mandated by federal and state law, preventing any reporting that may contravene legal requirements. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX  XXXX XXXX, XXXX, NJ, XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX- XXXX XXXX XXXX XXXX  - XXXX XXXX - XXXX 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

On XX/XX/2022 a dispute was made for company XXXXXXXX XXXX XXXX and was deleted by Transunion on XX/XX/2022 but according to the FCRA 1022.43 Direct disputes e ) Duty of furnisher after receiving a direct dispute notice. After receiving a dispute notice from a consumer pursuant to paragraphs ( c ) and ( d ) of this section, the furnisher must : ( 1 ) Conduct a reasonable investigation with respect to the disputed information ; ( 2 ) Review all relevant information provided by the consumer with the dispute notice ; ( 3 ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( 4 ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that the same accounts were erroneous. XXXX and TransUnion are required to reinvestigate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX