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

XXXX XXXX BANK XXXX NA # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX ( XXXX ) XXXX I want the above account removed from my three credit reports. ( TransUnion, XXXX, and XXXX ) This account says that it was discharged in a bankruptcy. This account was NOT included in a bankruptcy. This account DOES NOT belong to be me and I want this account removed ASAP. 


XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX I also want the above account removed from my three credit reports. ( TransUnion, XXXX, and XXXX ) This account says that it was discharged in a bankruptcy. This account was NOT included in a bankruptcy. This account DOES NOT belong to be me and I want this account removed ASAP.
Product: Credit reporting or other personal consumer reports

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the XXXX section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Transunion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX RE : XXXX XXXX XXXX XXXX Protected Consumer to TRANSUNION XXXX XXXX XXXX. I am a natural person who is at all times relevant. My XXXX Report shall always be FAIR and EQUITABLE to me. TRANSUNION, XXXX, AND XXXX are each reporting this XXXX XXXX CCOUNT on my Consumer Report, I am requesting a complete reasonable INVESTIGATION AND PROVIDE FOR MY RECORD MANDATED PHYSICAL VERIFIABLE PROOF investigation into all accounts before placing these accounts on my Consumer Report. I AM REQUESTING YOUR ARBITRATION AGREEMENT, ACDV FORMS, CARBON COPIES, FROZEN SCANS FROM YOUR INVESTIGATIONS, AND WHAT PROCEDURES ARE USED IN YOUR INVESTIGATION. EACH CONSUMER AGENCY is required by FCRA to have a copy of the original creditor 's documentation on file to verify this information is correct and is in fact mine. PROVIDE THIS ORIGINAL DOCUMENTATION REQUIRED UNDER ( SECTION 609 a1a ) AND ( SECTION 611 a1a ) SEND THE CONSUMER CONTRACT WITH MY SIGNATURE ON IT. UNDER ( SECTION 611 5A ) you are required to delete unverifiable information.

The law is very clear as to the CIVIL Liability and the remedy available to me for negligent noncompliance ( SECTION 617 ) if you fail to comply. I am litigious Consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Send updated Consumer Reports. Send Consumer File.
Product: Debt collection

Ok XX/XX/21 I called Mountain Run to settle the debt. I asked to speak with a supervisor to help me settle the amount owed on this almost XXXX XXXX XXXX debt that I wasnt aware of until it recently posted on my credit. Unfortunately, we were not able to come to an agreement and the supervisor began to belittle me and make fun of my financial hardship. I reminded her that I am a customer and not to be condescending towards me. She proceeded to correct me stating I am a consumer and that I can not afford to pay my bill much less a lawyer in a condescending demeanor. I was not able to tolerate her condescending tactics and I hung up the call. It is important to remain professional and kind everyone is going through rough times.
Product: Credit reporting or other personal consumer reports

I recently i looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. it is my undestanding that you will investigate these items for me to ensure accuracy. 
here is the item i am asking you to verify as accurate : XXXX XXXX
Product: Checking or savings account

A person impersonating themselves as a member of the XXXX XXXX Fraud Division contacted my wife via phone on XX/XX/2024 at XXXX EST. After obtaining information regarding our bank account through a series of text messages and calls disguised as official XXXX XXXX XXXX, two wire transfers took place for {$300.00} and {$9200.00} from our bank account.

Once we realized the fraud took place, we contacted the fraud department of our bank ( XXXX XXXX ) at XXXX the same day. The XXXX XXXX fraud agent, XXXX XXXX, was able to trace the funds to the receiving bank, JP Morgan Chase Bank, with a corresponding account number, name, and address in XXXX, CO. 

We were contacted by our XXXX XXXX Fraud Investigations agent, XXXX XXXX XXXX, the morning of XX/XX/2024 to file a report with the FBI and to request our funds back from JPMorgan Chase Bank. 

On XX/XX/2024 we were informed that JPMorgan Chase denied our claim to receive our funds back because 'the funds were no longer available '. 

This is grossly unjust. My wife and I are hard working, law abiding citizens with a XXXX year old, a XXXX year old, and another baby due in XXXX, and are now left financially vulnerable because of a criminal. The lack of protection for US citizens from these huge financial corporations is saddening to say the least.

PLEASE help.
Product: Credit reporting or other personal consumer reports

I'm disappointed they have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws. I demanded that this flawed, inaccurate report be deleted immediately or else legal action will ensue against them for failing to meet certain requirements set out in law with regards to these matters
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to XXXX  with police report attached current bill and my drivers license. All I get is account has been verified in every letter. According to my recent credit report request. All ask is send me proof from the creditor that I authorize these credit pulls on my file. There are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. VIOLATIONS OF CREDITORS & THE THREE CREDIT BUREAUS VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have inquiries on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification. The following inquirie are a result of ( IDENTITY THEFT- ). This company I assure you did not have my permission or neither have they obtain my signature or valid drivers license to pull my credit. If so I would like for them to produce such documents in reference to this inquire pull on my personal credit. I AM REQUESTING FOR XXXX  TO REMOVE THE INQUIRY IF THEY CAN NOT PRODUCE PROOF TO WARRANT THE INQUIRY ON MY PERSONAL CREDIT FILE.
Product: Student loan

The Company ( Firstmark Services ) continues to neglect my main Grievance at hand previously presented, and spout only scripted information to me without cause for relief. 

Further, the representatives ( in most recent case, XXXX XXXX. ) neglect the information provided in these Grievances regarding my request to ensure my loans are placed in a XXXX XXXX XXXX  for dates aforementioned -- and instead send only the same scripted information as noted. I would like to note that I further have not been provided the options for " proof '' of residence, as my ID is furnished by the New York XXXX ( my XXXX  state ) XXXX which allows out of state addresses for XXXX XXXX XXXX XXXX XXXX -- as stated prior, I am willing to provide a copy of such ID or banking statement and/or auto insurance which reflects my present MAILING address in XXXX XXXX XXXXXXXX XXXX, California XXXX However, I am uncertain of what " proof '' to furnish for employment, as I am a XXXX XXXX XXXX  for private families, and providing their personal information violates multiple state and Federal statutes including Personal Health Information act. I am however amenable to providing my California XXXX XXXX  as well, if Firstmark Services contacts me directly to facilitate this matter 's full resolution. 

Kindly note that I further remain perplexed as to why Firstmark Services refuses to phone me from senior management level to walk me through this issue, and resolve it amicably -- and I kindly request urgent escalation of this matter, prior to next steps of reaching out to a professional contact at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX aid in the ongoing, arduous and extremely distressing matter 's full and immediate resolution. As this is my third complaint against Firstmark Services without resolution, I am also requesting that a CFPB XXXX XXXX be assigned to this complaint urgently. 

Kindly advise urgently as I wish to resolve this matter as soon as possible & amicably at this level. 

Thank you kindly in advance.
Product: Credit reporting or other personal consumer reports

I received notice that you verified certain items on my credit report from the following companies : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 

Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? 

Supply your response within 15 days or delete the trade-lines.
Product: Debt collection

National Recovery continues to furnish information on credit file. The medical bills are a HIPPA violation. Many employers and colleges declined me due to issues with my health. This is belittling. I'm requesting information removed from credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : # XXXX, XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,, has violated my rights. 
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.
Product: Mortgage

Have been trying to make payment with Lakeview Loan for 3 days. Web systems are not functioning properly. Phones are not answered in any department. Concerned about receiving a negative credit mark as a result of non payment. 

Did receive an email on XXXX stating systems were back up. This has proven to be inaccurate.
Product: Checking or savings account

While attempting to purchase lunch on XX/XX/2020, my card was declined several times. After making a call to my bank, I was told that my identity needed to be verified. No prior contact by phone or mail was done about this matter. I have been with them for over a year with no issues. I was told by a supervisor that I needed to submit my ID and current bill, which was done immediately, and that the hold on my account would be lifted in 1-2 business days. Now as of today XX/XX/2020 I am being told that it will take up to 10 business days. I have no money because this is my only account, how can I continue to survive like this? Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Unresolved Credit Report Disputes Dear CFPB Representative, I am writing to request your assistance regarding unresolved credit report disputes that I have been experiencing with all three major credit bureaus : Equifax, XXXX, and XXXX. 

Beginning in XX/XX/XXXX, I initiated my first round of disputes concerning inaccuracies on my credit reports. Since then, I have undertaken six rounds of disputes, with the latest submission made in XX/XX/XXXX. Despite my repeated efforts, none of my disputes have been properly processed or resolved. Instead, I have continually received what appear to be stall letters from each bureau, failing to address the specific inaccuracies I have reported. 

I am enclosing copies of all correspondence and documents I have sent and received throughout this process, including a notarized letter that outlines each dispute and the supporting evidence provided. I believe these documents demonstrate a clear pattern of non-compliance by the credit bureaus in adhering to the Fair Credit Reporting Act ( FCRA ) guidelines. 

I respectfully request that the CFPB intervene to ensure that the credit bureaus conduct a thorough investigation into my disputes and provide a comprehensive response, as required by law. This matter has caused significant frustration and inconvenience, and I am seeking a resolution that corrects the inaccuracies on my credit reports. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance in ensuring that my disputes are addressed appropriately. 

Sincerely,
Product: Checking or savings account

XXXXXXXX XXXX customer XXXX XXXXXXXX XXXX issued a check to us for goods. The {$4400.00} check was dated XXXX and supposedly cashed at a Chase bank on XXXX. The customer provided me with a copy of the front and back of the check that cleared their account on XXXX. I have provided XXXXXXXX XXXX with sworn notarized affidavits over a month ago that I did not cash this check. I went to Chase because I have an account there but they were no help. Neither Chase nor XXXX can seem to find where our money went and refuse to reissue a check to us. I have spoken to state of Colorado agencies and they tell me that because it was cashed at Chase, XXXXXXXX XXXX  can not do anything.
Product: Mortgage

I have been trying to work out a payment solution with Nationstar mortgage for years after my loan was transferred from XXXX XXXX XXXX and I suffered huge financial losses. The amount of time I spent submitting and resubmitting paperwork to their various loan specialists was like a part-time job. They would not let me send money to them to try to get back on track and seemed to stall until posting a sale date on my home. They also would n't submit all the information about my loan that I requested. I have been working with financial counselors and doing everything I can think of to fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is an update with more documents to show the issues with XXXX XXXX XXXX. Since XX/XX/XXXX when I initiated a complaint against the three CRA 's ; XXXX quickly again changed the account info- but still incorrect. 

The CFPB should instruct the CRA 's to look into their more permanent files along with the more accessible day to day database they use. 

When they do a comparison of the accounts listed, the CRA 's should see that the 3 individual accounts were actually charged off in XXXX/XXXX of XXXX not XXXX. 

The 3 XXXX accounts listed as joint holder should be listed as charge off XX/XX/XXXX.
Product: Checking or savings account

ChexSystems XXXXXXXX XXXX XXXXXXXX Acct. # : XXXX These Companies is Violating my Rights. 

I XXXX have requested to view my Chexsystem report and Noitce that there are an account that dont belong to me and will like it to be removed due to the FCRA rules and U.S. Laws.

15 U.S.C 1681 B 2 15 U.S.C 1682 S 2 A1
Product: Mortgage

Have faxed paperwork since XX/XX/year>, see proof, called XXXX said no sale faxed papework and emailed it now a sale see proof of all faxes
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Improper Reporting & Inaccurate Reporting Violations : ( XXXX ) 2 times charged off, which is a violation of the statute of limitations : account can only be charged off XXXX time. 
( XXXX ) Account written off for {$100.00} and reported as late ( XXXX ) XXXX different collection companies for the same account I am writing to formally dispute inaccurate reporting tactics and information that appear on my credit reports. Pursuant to my rights under the FCRA specifically 15 USC 1681i ( a )., and 15 USC 1666b, and 15 USC 1637a. 

Please conduct a investigation for XXXX reporting violations of inaccurate reporting, therefore it must be deleted from all of my credit files
Product: Debt collection

the company name XXXX XXXX XXXX calling themselves the debt collector for my Amex accounts calls me 3 times a day in my cell number, my girlfriends number and my work place number. I requested them not to call as i am having financial hardship and national debt relief is working on my behalf to help me debt free. but the person named XXXX won't listen. I told him i can not pay {$8700.00} and something they are asking all at once. he is just forcing me that its a one time deal and you dont get to pay this again. i told him the calls are disturbing me, its harassing me and making me depressed but he wont listen. the company and person named XXXX calls me 3 times a day in 3 phone numbers which is 9 times everyday for straight 7 days. I would like to request them to stop harassment as i am already facing hardship and can barely manage to pay monthly to my debt relief program i am enrolled in. If the harassment wont stop, i will like to file a lawsuit against the company for depression,  anxiety and threat.
Product: Checking or savings account

I went to XXXX on vacation, I took my Bank of America ATM Visa card with me, as thats where most of my money was this time. I used the card for everything. When I returned and was going through my account, I ACCIDENTALLY noticed a fee Bank of America charged me for paying for my hotel. I thought it odd, because I have used other cards from other banks over the years and had never seen this. I began to check further AND TO MAKE A LONG STORY SHORT, BANK OF AMERICA CHARGED ME A WHOPPING {$110.00} IN FEES FOR JUST PAYING WITH MY VISA DEBIT CARD, DESPITE BEING TOLD THAT WE CAN USE OUR XXXX CARDS ANYWHERE IN THE WORLD!! 

No one at Bank of America had ever told me that these fees would be charged just for using my own money. Also had I known, I would hsvd used my XXXX card instead. 

I was VERY DISTRAUGHT as I can not afford {$110.00} in fees, which I didnt know about and Im just using my money via my card. 

I called the bank and the customer service agent said she is authorized to refund me {$40.00} only and she did. But Im still not happy as I think this is unfair! HOW CAN SOMEONE BE CHARGED OVER A XXXX DOLLARS IN THESE HARD TIMES, JUST FOR USING THEIR OWN MONEY WITH A VISA CARD THAT IS WORLDWIDE??