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

According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Experian and XXXX XXXX  are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX which states '' It is the policy of the XXXX 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. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$900.00} is a financial institution by definition under that title. XXXX XXXX XXXX section XXXX a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$900.00} the financial institution and the XXXX reporting agencies XXXX XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$900.00} whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that XXXX XXXX XXXX ( a ) ( XXXX ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. XXXX XXXXXXXX XXXX  XXXX ( A ) ( XXXX ) A states " 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. XXXX XXXX XXXX XXXX states '' XXXX consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. " XXXX  XXXX and Experian are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Checking or savings account

On XX/XX/ there was a fraudulent charge on my account for XXXX, then on XX/XX/ another charge for XXXX. They are claiming that since the original charge was more than 60 days they are not responsible for the 2nd. They refunded the 1st charge. Using their own logic, they would not be responsible for the {$1.00}, they reversed that which means it is all covered.
Product: Debt collection

When I was pregnant, I had insurance from the state. They charged me fees that should have been included with the insurance that I had. This has been going on for years and I tried to explain that I do not owe and they insist on still charging me. I asked them about the debt and they sent it to an address that I did not live at anymore and they told me that it was sufficient enough. I told them that I haven't lived at the address for years. I also asked them if I could show the insurance dates because I had proof and they did not want to see it. So I am reaching out to you because I need help with this ( CFPB ).
Product: Credit reporting or other personal consumer reports

I am writing to follow up and to express my profound frustration and concern regarding the persistent presence of fraudulent items on my credit file, despite multiple attempts to rectify the situation. This ongoing issue not only poses a severe threat to my financial stability but also raises urgent security concerns. I urgently seek your assistance in resolving this matter.

I urgently request the following actions : Immediate and expedited review of the documentation provided in support of the disputes.

Fast-track removal of the fraudulent items from my credit file to prevent further financial and security risks.

Transparent communication outlining the resolution process and the steps taken to address this matter urgently.

Attached, please find copies of the supporting documentation, including [ list the documents attached, such as police reports, identity theft affidavits, etc. ], for your reference during the expedited investigation. 

I emphasize the critical nature of this matter and the immediate impact it has on both my financial well-being and personal security. I rely on the accuracy and security of my credit file, and it is imperative that these fraudulent items are promptly and definitively addressed. Please help me remove these items immediately : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX ; XXXX  XX/XX/2023 ; XXXX  XX/XX/2023.
Product: Credit card

Capital One and Pottery Barn promised a cash back rate of 10 % on my purchases made the first month ; however, I have only been receiving 5 %. Ive spend over {$6000.00} via two purchases ( {$4000.00} then {$2000.00} ) in the first month. As of today, Ive received only {$170.00} out of the $ XXXX in cash back. 

I reached out to both companies for clarification regarding this significant discrepancy but did not receive a satisfactory response. They pointed at each other to address the matter. 
As of today, capital one is still looking into it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting XXXX  % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of account below. I have no knowledge of this account it is fraudulent. I have never lived at these apartments dont know what this collection is about I am not associated with the fraudulent account also it added an extra address that I am not associated with. Please remove this account as it is messing with my livelihood. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/year> REMOVE ALL INACCURATE PERSONAL INFORMATION EXTRA NAMES, ADDRESSES, BIRTHDAYS, PHONE NUMBERS EMAILS I SHOULD ONLY HAVE XXXX OF EACH. 

investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

I have taken immediate steps to address these concerns and am currently in the process of rectifying this issue. Please investigate this fraudulent account as a matter of urgency, and kindly provide me with the necessary information to on and assistance to resolve this matter swiftly. Thank you for your prompt attention to this matter. Please remove this account as it is fraudulent. 

XXXX XXXX XXXX : XXXX Yes it is me disputing no one is representing me at this time. 

( IF THIS ISSUE IS NOT FIXED I WILL GO TO THE ATTORNEY GENERAL FOR NOT FIXING FRAUDULENT ISSUES WITH MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I review a current copy of my credit report and show dept of XXXX showing late payment to student loans. Currently, I have never been late and I sent mulitple dispute inquiries with no successful updates and have past the require timeframe per FCRA. Please delete account of my credit report listed below. 

DEPTEDXXXX Account number:XXXX**** DEPTEDXXXX  Acoount number:XXXX**** DEPTEDXXXX Account number:XXXX****
Product: Mortgage

Our mortgage servicer had been XXXX XXXX  XXXX. In years past, we've had our earthquake insurance paid out of our escrow account. When they missed that payment and we had to pay that premium out of pocket, we submitted CFPB Complaint XXXX, to which XXXX XXXX  responded and they corrected the problem in future years. 

Earlier this year ( XXXX  ), our mortgage servicing was transferred to Freedom Mortgage. We received a notice of cancellation from our earthquake insurance carrier, XXXX XXXX On XX/XX/2022, I called Freedom Mortgage to inquire. After a XXXX phone call, I was told that I should cancel my regular ( that is, non-earthquake ) homeowners ' insurance, which was wrong. Eventually I was able to communicate the issue to the representative, who told me in no uncertain terms that Freedom Mortgage would not be paying our earthquake insurance premium out of our escrow account. I paid the premium out of pocket ( {$490.00} ) to avoid cancellation. 

Our earthquake insurance premium was paid out of our escrow in years past, so our current escrow account payment projection, and thus our payment, would have included it. We are now paying an amount into escrow that we had to pay out of pocket as well. We did not ask that our mortgage be transferred to another servicer, and we receive no benefit from our loan being transferred to another servicer, but we are now poorer for the transfer having taken place for someone else 's benefit.
Product: Credit reporting or other personal consumer reports

There is an address, XXXX XXXX XXXX, XXXX XXXX, MI. XXXX, reporting only on my Experian credit report. I have never used this XXXX XXXX XXXX XXXX XXXX and may have been an attempted identity theft. I am requesting the address be removed to prevent anyone from defrauding me. 
This is the first time have have filed this complaint through the CFPB.
Product: Debt collection

XX/XX/2023 at XXXX To whom this may concern, This pertaining to account number XXXX. I am requesting that Professional Finance Company sign an Affidavit of truth in writing that I XXXX XXXX and XXXX XXXX are debtors and Professional Financial Company is the creditor and they in fact loaned XXXX XXXX and XXXX XXXX money on XXXX XXXX. During this time I am also requesting that a cease and desist from repossessing my vehicle and reporting any negative items on my consumer report, this will start upon receipt of this notice, due to this being a serious matter I will be waiting for your response if no response next will be a default in all parties will be held liable.
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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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EXPLANATION : I've Had this fraudulent account added XX/XX/2021 without my consent. 
I went into XXXX XXXX to switch phone carriers while I was still connected with XXXX and was denied since my phone was still locked. The XXXX Employee asked me to write down my information, so when i get this problem fixed with XXXX I can come back and finish the signing up process. I ended up going to ANOTHER franchise combined with XXXX XXXX XXXX & XXXX XXXX XXXX, XXXX... and they was able to unlocked my phone and sign me up with XXXX. 1 month later I seen I had a collection on my credit report saying i owe XXXX {$120.00}, meanwhile I have NEVER missed a payment with my newly opened XXXX account so I was confused ... i also NEVER received any document or phone call saying owe XXXX anything... So I contacted XXXX and spoke to the supervisor and they was also confused as to why my account was in the collections. They told me it must be a misunderstanding and they removed it off the credit bureaus but it was still on my XXXX credit file. I end up calling XXXX a month later and we ended up finding out the first XXXX franchise i went to where the EMPLOYEE asked me to write down my information on a STICKY NOTE ended up fraudulent opening an account with my information and sent it to the Debt XXXX!! THERE IS NO OFFICIAL DOCUMENTS WITH MY SIGNATURE ALLOWING ME TO OPEN THAT ACCOUNT. 
XXXX told me the only thing i can do is pay off the balance ( {$120.00} ) to get it resolved since they couldn't remove it from every credit bureau so i did that ... Next thing you know it turned into a closed account, this has Humongously effected my credit, I have never missed a payment and it posted as i missed ALL my payments.. it dropped my credit score almost XXXX POINTS!!! I NEVER gave XXXX authorization to open that account nor was i sent any documents or contacted about that account since it was " opened '' they NEVER had my official information!! NO address or NO number just my SSN. I've tried to dispute on XXXX & XXXX XXXX and it kept coming back accurate! i just want this account OFFICIALLY removed since it was fraudulent opened.. The company can not provide proof i opened this account, and have violently prohibited my rights!! i even provided proof in the evidence box of XXXX saying the account was mistakenly opened.
Product: Checking or savings account

Back in XXXX  I graduate from high school and opened a bank account with BOA. Bank of America, and later on I was working and trying to get the process of going to college. But a call came to an old phone I had and a check came to the mail. I was surprised of how much it was and I went to the bank to see it was real, ( in person ) and they ended up closing my account because it was something with fraudulent, Im not sure what it was, but it came in the mail, and I wanted to cash the check. Something about a company, I cant remember, but ever since then I tried opening an account with XXXX  and they rejected me. Ever since then I was just working and I felt like I didnt need a bank account. As I got older, I realized that I needed an account and I checked my credit report because I did reported the fraud scam and it turns out they been making transactions 2 years later, which wasnt me. I was confused and now Im not sure if Im in debt but I need help getting my life back together, and start getting my credit higher and being able to change my social and try to open a bank count, anything would be helpful
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 
These items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the items be removed from credit report. 
Please reinvestigate these matter and delete items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : Transunion, XXXX, and XXXX. I have informed the consumer reporting agencies Transunion, XXXX, and XXXX by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).
Product: Debt collection

XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. XX/XX/2021, XX/XX/2021 XX/XX/2021, XX/XX/2021, XX/XX/2021 XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 the calls are always at least 3xs per day and from XXXX. I've attempted to set up a payment with them but I'm not working so I couldn't and after that told them to please not call anymore they continue to call and harass me constantly
Product: Credit reporting or other personal consumer reports

Description of the Issue : I have several accounts listed on my credit reports from XXXX, Equifax, and XXXX that do not belong to me and should be removed immediately. These accounts are inaccurately reported and are impacting my credit score. I have disputed these items with all three credit bureaus, but the inaccuracies remain unresolved. 

Disputed Accounts that are not mine : XXXX  XXXX : Account number ending in XXXX = This account is not mine / remove XXXX : Account number ending in XXXX = This account is not mine / remove XXXX  : Account number ending in XXXX = This account is not mine / remove XXXX  XXXX XXXX  : Account number ending in XXXX = This account is not mine / remove XXXX XXXX  : Account number ending in XXXX = This account is not mine / remove XXXX XXXX XXXX XXXX Account number ending in XXXX = This account is not mine / remove XXXX XXXX XXXX XXXX  : Account number ending in XXXX = This account is not mine / remove XXXX XXXX XXXX Account number ending in XXXX = This account is not mine / remove XXXX XXXX XXXX : Account number ending in XXXX = This account is not mine / remove XXXX XXXX XXXX : Account number ending in XXXX = This account is not mine / remove XXXX XXXX XXXX : Account number ending in XXXX = This account is not mine / remove XXXX XXXX XXXX : Account number ending in XXXX = This account is not mine / remove XXXX XXXX XXXX : Account number ending in XXXX = This account is not mine / remove XXXX XXXX XXXX = This account is not mine / remove XXXX XXXX XXXX XXXXXXXX XXXX This account is not mine / remove XXXX XXXX XXXX = This account is not mine / remove XXXX XXXX XXXX = This account is not mine / remove DEPT OF ED/XXXX = There are XXXXeveral duplicate account errors reporting from the DEPT OF EDXXXX and should be removed immediately XXXX 




Actions Taken : I filed multiple disputes in 2024 with XXXX, Equifax, and XXXX for the above accounts, providing documentation that these accounts are not mine. 
Despite these disputes, the accounts remain on my credit reports, and I have not received a satisfactory resolution from the credit bureaus. 
I have requested that the credit bureaus remove these accounts from my credit reports, as they are incorrect and do not belong to me.
Product: Student loan

Account is reporting twice for the same account by XXXX different creditors. It is a paid account and reflecting in a negitive manner and I would like for ACS to please remove the account/negitive reporting from all XXXX credit bureaus. As I have spoke to one of ACS agents on XX/XX/2017 and was advised to send in something showing it was still reporting and they would have it removed.The documentation was also sent in the same day. Each time I write to ACS they send me back the same letter that I 've already responded to. which leads me to believe no one is reading the documents that are send in otherwise I would not get the same letter back asking the same question that was already answered. I will attach the letters that show the dates from ACS.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 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 21 days before the payment due date. 

XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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 reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting this complaint to you today to inform you I was a victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts and information which do not belong to me or were opened without my permission : Medical ( Original Creditor : ) XXXX Balance : {$39.00} Medical ( Original Creditor : ) XXXX Balance : {$23.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an the identity theft, not later than 4 business days after the date of receipt.
Product: Bank account or service

We relocated to XXXX and want to close our bank account in XXXX NY. We call them to let them know that we no longer need the accounts but they ( M & T ) reps wo n't close the account. On top of that they keep charging service fees and other fees on the accounts. 

This is rediculous please help