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

" Your agency is in violation!

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Delete this at once! '' LIST OF ACCOUNTS 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section604 a section 2 " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies do not have my consent to furnish my information and they do not have my written consent.15 USC 6802 ( b ) ( c ) I do not consent and revoke any and all verbal, non-verbal, written, implied, all assumptions to disclose nonpublic personal information to a nonaffiliated third party " 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services.
Product: Credit card

I did not renew my bjs membership or credit card They renewed my membership sent me predicated bill and have been n adding interest and fess last three months I have called every month they said the y would tak care of it Just another bill for XXXX when I have bought nothing at all Capitol one master card account ending XXXX Dont have account or card anymore
Product: Money transfer, virtual currency, or money service

Im not able to cash checks online with Ingo Money. I have never had an account or cashed a check with Ingo Money online.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, I am a victim of identity theft. According to US Code Title 15 - Commerce and Trade, Chapter 41- Consumer Credit Protection - Subchapter III - Credit Reporting Agencies . You are required to remove this information from my credit report within 4 days. If this information is not removed, I will escalate this to the Federal Trade Commission. See attached US CODE : Also under US Code : 15 U.S.C. 1681i ( 2021 ) : Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 


This code was not met as well, please have each reseller provide proof of receipt or these items MUST be removed immediately. Original dispute did not meet FCRA and US CODE Title 15 U.S.C. 1681i rule for timeline. 

TransUnion Complaint ID : XXXX XXXX Complaint ID : XXXX By LAW and the Fair Credit Reporting Act, these items must be removed from my credit file. I need this fraudulent information removed from my credit report within 4 business days. ADDITIONALLY, original complaint IDs were not responded to in accordance to US CODE and the FCRA timeframe. 


FRAUDULENT ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

in XXXX XXXX my mother purchased a property in XXXX. In XXXX of XXXX she filed a revocable land trust naming me as beneficiary. in XXXX XXXX my mother applied for and was approved for a 2nd mortgage with Harris bank. I was told that due to the land trust, I would need to sign this 2nd mortgage with my mother. In XXXX XXXX, my mother filed chapter XXXX bankruptcy. I was paying the first mortgage, living at the location taking care of my mother. In XXXX XXXX my mother passed. I continued paying first mortgage. I never received any notices from Harris Bank about any money due them. In XXXX XXXX I relocated to XXXX. My mail was forwarded.in XXXX I attempted to purchase an rv. I was denied as a delinquent mortgage was reported by harris bank. I called them and they refused to talk to me stating my mom had filed bankruptcy and they could not talk to me. when I asked for debt validation, they sent me copy of promissory note I signed in XXXX. I called them and explained that I was unaware of any balance due. I explained that this report to credit stops me from refinancing and taking care of my moms debt. I also explained that I did not file bankruptcy and asked why no demand for payment was made before reporting this to credit. since their report, I have suffered extreme financial hardship. I later found out through other sources, Harris bank wrote this loan off in XXXX my mom had continued to pay until she passed. Harris bank states they never sent any notices stating that payments stopped or the loan was delinquent. I do n't have enough personal funds to hire an attorney, or pay the delinquency. Because of the credit report, I cant refinance as my score fell from XXXX to XXXX. I am unable to purchase a home in XXXX. It is my understanding that when a mortgage becomes delinquent, a demand for payment should be made before taking any other action. even if they had started reporting the missed payments on my credit immediately, I would have known and had time to rectify the situation. but they did not report anything on my credit for almost 2 years after payments stopped.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep DISAPPOINTMENT with your recent claims regarding my accounts. I AM REJECTING THESE CLAIMS ON THE BASIS THAT YOU LACK ANY MATERIAL FACTS OR EVIDENCE to support your assertions. As a result, I strongly urge you to initiate a thorough investigation into these matters without delay. 

Your claims have cast a shadow over my financial standing and have the potential to cause severe harm to my creditworthiness. It is imperative that we resolve this situation promptly and accurately. 

I insist that you immediately dispute these accounts and provide me with clear, documented evidence to support your position. Failure to do so will leave me with no choice but to seek a legal remedy to protect my rights and rectify this situation. 

XXXX XXXX XXXX & XXXX XXXX
Product: Credit reporting or other personal consumer reports

Incorrectly reported account, I was never late for this account. Experian reported XX/XX/XXXX in collection and now XX/XX/XXXX the same in collection. And the most incredible thing is that they have reflected a payment of {$1100.00} on XX/XX/XXXX. This affects my integrity as a father and a responsible person who has never left his obligations just as it is affecting my credit. I ask you to delete those negatives in my reporXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries listed on my credit report that I don't know anything about. I just noticed when I accessed my credit report. This was not done by me. I have explained this several times. Please delete this fraud information.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have tried to remove these accounts from my credit reports. I have filed the correct paperwork and nothing has happened. I have asked for copies of the process per the FRCA and still nothing has happened. My paperwork is not being attached to my disputes
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Request for Investigation and Correction of Student Loan Payment Reporting Dear Sir/Madam , I am writing to file a formal complaint concerning the handling and reporting my student loan payments by the Department of Education XXXX Despite making all necessary payments, which the servicer acknowledged as satisfactory, my credit report continues to reflect past charges marked with late payment remarks. These inaccuracies adversely affect my credit score and my ability to secure financial services.

Account Details : Loan Servicer Name : Department of Education ; however, a collection agency called to set up payments Account Number : XXXX Dates of Disputed Late Payments : Several occasions. 
I have previously contacted the Department of Education on multiple occasions to request the removal of these inaccurate late payment remarks from my account history. Despite these efforts, the servicer still needs to amend the credit reporting, which has led to ongoing financial and personal distress. 
The servicer acknowledged the payments as satisfied, which should not have resulted in any adverse remarks on my credit report. The persistence of these inaccuracies contravenes the Fair Credit Reporting Act ( FCRA ), which stipulates the need for accurate and fair credit reporting. 
Therefore, I kindly request the Consumer Financial Protection Bureau to : Conduct a thorough investigation into the handling and reporting of my student loan payments by Federal Student Loans.

Ensure any inaccuracies in writing late payments on my account are corrected promptly.

Require [ Loan Servicer Name ] to remove any adverse remarks related to the disputed late payments from my credit report.

I am prepared to provide additional information or documentation supporting my complaint. I hope that with your intervention, the inaccuracies in my credit report will be corrected, allowing me to move forward without the undue burden these errors have placed on my financial well-being. 
Thank you for your attention to this matter and your assistance in upholding the integrity of consumer credit reporting. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XXXX  days to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I have had a credit card account with CITI for years and have been paying on it ever since and on time an paying it down. My account was closed in XX/XX/2011, but I have always been able to pay this account on line since that time. The account always shows up as the typical credit card web site with total amount due, your payment history, payment due, and when it is due. You can also go back and see any pending or applied payments, just as with other cards. Every month during the same time I pay this card and pay over the amount due. I must also add that over the years this amount due has change and in the last 2 years they increasingly have lowered the payment. Regardless, I pay and have been successfully paying it down. I can always check to see that at that moment my payment is pending and eventually it shows up as paid. My account works like this even though it says closed. I also receive the usual paper information in the mail each month with the same details and additional information like account finance interest rates and fees. No other details were on my paper information about any problems. I have received no notices or anything by email. This month when I go into pay, which was today, the account shows only one simple statement, Account alert : this account is closed. For inquiries, call XXXX. Unlink this account from my User ID. When I call the number it is a card activation line and it says account closed. When I click the Unlink this account from my User ID and it goes to a page and it just shows We Cant Find This Page ( 404 ). I tried talking with an  account manager on line where it shows you that it can and she or he said clear my browser. I did and it did not work. I still could not see my account information or find it. Next I called the company at the customer number they give and talked with several people who just kept telling me the account was closed and that is why it does not show up. I said that it just a bull excuse because I have been using the site as normal for years and it always shows all of my account information. They suggest I call the payment in and I said that will not work. I kept arguing with them getting no place and so I kept asking for mangers. I have talked with the last one and they dont know what to do. I pretty much know what I think is really going on and that is they have tried for years to get me to pay this account off or agree to increase my interest rate by scam games. Currently, I pay 6.74 % and over the years they have tried to trick me into paying 15 %, 19 % and I assume now even more. I made my contract them on my lower rate years ago as a fixed rate. I can only assume this is another attempt to force me into paying more or paying the account off. The simple fact is they can not provide me with any reason as to why I could for years pay online like everyone else does and now all of a sudden out of the clear blue I cant when my account has always been in good standing since XX/XX/2011.
Product: Credit card or prepaid card

Someone applied for a XXXX card in my name. I did not apply for a XXXX card. I would never apply for a XXXX card. The company sent me the card, I called them and told them that I did not apply for this card. They cancelled the card, however all of my information was breached.
Product: Checking or savings account

I have had ongoing issues with use of my debit card and the credit union has had nothing but poor responses. They had previously said there was an ongoing IT issue and apparently it is not a priority for them to fix it. The only reasonable outcome of the situation is that the credit union fix this immediately so nobody else has to go through what Ive been going through.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may Concern, I am in disagreement with the items listed below which still appear on my credit report, even after their investigation. I would like these items immediately removed from my credit report. these inaccuracies are highly injurious to my credit rating. The Account are : ( 1 ). XXXX XXXX Bankruptcy After their investigation they claim that the information was verified by United States Bankruptcy Court Office Of The Clerk XXXX XXXX Of Florida. Which is strange because I Contacted the United States Bankruptcy Court Office Of The Clerk XXXX XXXX Of Florida and ask them why are they reporting these inaccuracies to the credit bureau? they responded back saying the Bankruptcy Court does not report or transmit bankruptcy court records or any other information directly to the credit reporting agencies. and plus my XXXX Account has been frozen sine 2021, I have all document to prove which I will upload so you can see. So I am Truly confused how they are validating this information someone is lying
Product: Mortgage

My mortgage has been sold to Ditech from  XXXX   XXXX   XXXX . I had started the modification process with  XXXX   XXXX   XXXX  because I had major  XXXX  in   XX/XX/XXXX .  All documents included but not limited to  FMLA  medical records and the loan modification paperwork including pay stubs bank statements etc were completed and faxed to  XXXX   XXXX   XXXX . In  XX/XX/XXXX   XXXX   XXXX   XXXX  sold my mortgage to Ditech. I am making regular monthly payments but remain 3 months behind.  XXXX   XXXX   XXXX  DID NOT FORWARD any paperwork pertaining to the modification to Ditech. Ditech has now taken the position that they want to begin legal process.
Product: Checking or savings account

Checking account disappeared from Online banking, the Debit card does not work, account number does not work, The USBank customer service can't locate my checking account with either my account number or my SSN, I had money in my account, now cant access it anymore
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX these accounts have been disputed every single month and they do not properly investigate i get a message within a day that the account is remaining on report. They should be showing balance or negative as i paid all my accounts off. I have been dealing with this for months. They are not following 15 U.S.C. 1681i
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the fair reporting care act. This creditor has violated my right under 15usc1681 section 602 states that I have the right to privacy 15usc1681 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 18 USC 8, Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. Violation of the FCRA and is in violation of requisite METR02 Compliant reporting standard.
Product: Checking or savings account

I deposited 6 checks ( worth {$2700.00} ) on a Bank of America ATM on XX/XX/2022. Those checks were sent to me from XXXX XXXX ; they are the refunds of money orders. 

Bank of America abruptly closed my account on XX/XX/2022 without prior notice and refused to give me the balance of those deposited checks.
Product: Credit card or prepaid card

I went to use my card today and to my surprise my transaction was declined. I immediately contacted Comentity Bank and was placed on hold after giving them my informatio, so that they could look into this matter. After the rep came back, she asked me a few security questions and verified the answers, then proceeded to ask he to provide my drivers license p, social security card, and utility bill. I asked to speak with a supervisor at this point, shortly after being connected I mentioned that I had sent these documents in already and had them notarized. She placed me on hold to check and them came back and mentioned that the hold would be released. I then stated that I would send a copy of my lease agreement to show my new address, I was then told it had to be reviewed and she would follow up in a few hours. A couple hours go by and I received a call from a XXXX at extension XXXX asking me for resubmit all documents, drivers license, social security card and a bank statement. At this point this has been harassment and XXXX discrimination. This is my 3rd time having to submit these documents, they also conducted a hard pull on my file without my authorization or making me aware. I am truly tired of the XXXX discrimination this bank is conducting, it is wrong and needs to known. I have never been late on any payments and have stellar credit. Ive gone thru less scrutiny on much more important matters, this is completely unacceptable.