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

Consumer Name : ( XXXX XXXX XXXX ) Consumer Social Security Number : ( XXXX ) Consumer Date of Birth : ( XX/XX/XXXX ) Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XXXX, XXXX XXXX accounts receivables # ( XXXX ), a personal credit card opened at XXXX XXXX on XX/XX/XXXX accounts receivables # ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, charge-offs and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

As pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I demand that the Experian credit reporting agency block all of the accounts, collections, charge-offs and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has wrongly reported a balance on my Experian credit report for {$5200.00}. I disputed this account multiple times, the most recent times being XXXX and XXXX XXXX 2021. Both times I sent proof of the account being settled and as a result XXXX and XXXX has removed XXXX from my credit report. Experian continuously sends me a letter when I dispute this account saying, XXXX has verified the account but doesn't provide any additional facts I asked Experian to investigate. I need Experian to do a full investigation with XXXX and remove this wrongly account from my credit report.
Product: Money transfers

XXXX XXXX 2016 XXXX hours Multiple individuals attempted to assist me, completely failed and I was too outraged to get any names. Spoke via telephone to XXXX customer service agents, who were worthless and incompetent. Western Union is taking extremely horrendous care of a veteran. WU is using fraudulent advertising & claims. WU DOES NOT help people send money. WU is NOT fast, DEFINITELY NOT reliable and darn sure NOT convenient. I was actually told that I was NOT ALLOWED to file a complaint ticket due to WU XXXX up my transaction. I have documented proof that I submitted the transaction correctly. I will be contacting my state regulators, state legislators, federal regulators and federal legislators. And everyone else I can think of. I have been treated incredibly unprofessionally. This is a huge load XXXX I was on the phone, most of the time on hold, for 45 minutes. If it was truly my fault, then why did at least XXXX people need to get involved and why did it take 45 minutes!
Product: Credit reporting

I have filed multiple disputes regarding information regarding XXXX XXXX XXXX, XXXX XXXX and Auto Credit and that is reporting on my credit report and Transunion has failed to provide any verification that the information was correct, the damaging information remain on my credit report. I have contacted the creditors as well as Transunion to correct the information without success. I do not feel that Transunion is investigating the disputes. I feel this is unfair treatment and dishonest treatment in regards to customer service. This appears to be a problem with ALL XXXX credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2020, I mailed a certified letter ( tracking # XXXX ) to XXXX-Card Services requesting debt validation because they are reporting on my XXXX  credit report that I owe them. XXXX  did not respond within 30 days, so I filed a dispute with XXXX  advising them of the non-responsiveness from XXXX. XXXX  ended their investigation and advised me that XXXX 's is correct and they are still reporting wrong information. XXXX  'XXXX   dispute number is XXXX.
Product: Debt collection

My credit cards and phone were stolen in XXXX of 2023 and several unauthorized purchases were made. I reported everything but I am now just seeing that there is a collection for an XXXX debt that hasn't been cleared... This isn't mine and I want it removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a debt validation letter on the following date XX/XX/22 In relation to an {$850.00} account and this company has failed to validate my debt within the allotted time frame of 30 day from receipt of this Letter. Or remove this invalidated debt from collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BankruptcyXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I called to get my balance and they told me my balance was {$680.00} but I only borrowed XXXX and I've paid 18 payments of {$98.00} which equals about {$1700.00} but only {$18.00} went to the principal I ask them why and they told me that all the payments I made was interested payments so I asked them out of the {$98.00} I was paying only {$1.00} went to the principal for 4.5 months I told them that is usery and they can't do that they inform me that they where not under state or federal law because they operate under the laws of a tribe out of Montana
Product: Bank account or service

I opened up an account with Chase bank and I was not informed about the fees that could be assessed to the account. I have been charged nearly {$1000.00} in overdraft fees erroneously. I had fraud in my account on several occasions, and I was charged fees in relation to that. I had a international wire transfer that was rejected by Chase and I was charged overdraft fees associated with that. I had clients who attempted to make deposits into my account in XXXX, but were refused by Chase tellers and I was charged fees associated with that. I have complained on nuns ours occasions but to date my account is still overdrawn and Chase refuses to refund me.
Product: Credit card

I had setup an Amazon Store Card ( Synchrony Bank ) and I believed my cycle date was on the XXXX of the month. I have been paying {$100.00} ( way over the minimum ) on the XXXX and did not receive any notification that I did not pay on time because my actual cycle date was the XXXX of the month. Did not know that I was being charged every month for {$35.00} late payment fee. I contacted them Customer Service XXXX and explained this situation. I was only receiving a email monthly with a link to my account but I could not remember by credentials to access the account. They agreed to only credit XXXX late payment fees and refused to credit the XXXX remaining. That is {$100.00} charges for a customer that uses their services and pays consistently, but because of a mistake regarding bill cycle date. Why did they not send a notification that I was charged a late payment fee to my email or call me so that they could make sure that there was not this situation?
Product: Debt collection

I tried contacting the original creditor ( XXXX XXXX XXXX XXXX ) to pay a debt in full. The original creditor told me the amount I owed was {$450.00}, same as what is showing on their bank APP but different from the amount reported to the credit bureau 's. XXXX told me I could not pay them directly but was told to contact The Best Service Company and make any payments directly to them. I notified XXXX that according to a letter I received from Best Service Company, I owe {$540.00}. XXXX told me that they were going to correct that by notifying Best Service Company of an extra payment they had received, and accepted, from me after they had already transferred the debt over to them. I contacted The Best Service Company and they had told me the amount owed is for {$550.00} ( different from all amounts I've been told so far, as well as the amount shown on their letter ). After explaining that the amount they are charging is incorrect, they kept disagreeing and told me they received information from XXXX saying the amount they have is indeed correct ; even after XXXX told me differently. I am being told too many different figures by these two companies and I have been attempting at settling this debt for months now so that I can get my credit in good standing.
Product: Mortgage

In XXXX of 2016 we were solicited for a Mortgage Loan Modification by Seterus, the servicer of our XXXX Mortgage. The deadline to make the first Trial Plan period Payment was XXXX XXXX, 2016 and we made the payment in XXXX. As explained in a prior complaint to your office by us against Seterus , Inc. ( Case # XXXX ) we made all of the required Trial Plan Payments and have been trying, unsuccessfully, since XXXX, 2016 to finalize the Modification. 
Recently, after receiving solicitations from Foreclosure Lawyers, we became aware that XXXX filed a Mortgage Foreclosure Action against us on XXXX XXXX, 2016 ( XXXX XXXX Court Case # XXXX ), after they offered us the Modification and before the first payment was due. This Dual Tracking by XXXX and Seterus was in bad faith and a VIOLATION OF THE CFPD REGULATIONS PROHIBITING DUAL TRACKING IN LOSS MITIGATION AND LOAN MODIFICATION PROCEDURES. In addition, Seterus continued to accept our payments in XXXX, XXXX, XXXX, XXXX, and XXXX and NEVER notified us that a forclosure action had been filed. 
We have been victimized by Seterus over and Over again! 
All this time we have been negotiating with them we had no idea that they had already filed a suit against us.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX and a Charge account opened at XXXX XXXX XXXX opened on XX/XX/XXXX under account number XXXX. These hard inquiries XXXX, XXXX XXXX, XXXX, and XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX numberXXXXXXXX XXXX XXXX number : XXXX Inquiries XXXX XXXX XXXXXXXX ( AUTO XXXX XX/XX/XXXXXXXX XXXX XXXX  ( AUTO ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( AUTO ) XX/XX/XXXXXXXX XXXX XXXX ( AUTO ) XX/XX/XXXX XXXX XXXX ( FINANCE ) XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is refusing to remove an collections account on my credit report. The account was originated prior to XX/XX/2012, but the date reported on the credit report is XX/XX/2012. There have been XXXX payments made on the account with XXXX XXXX XXXX That means the debt is out of Colorado XXXX , is well over the 7 year limit for any credit reporting. This account has been removed from all other credit reporting agencies. Also per my dispute that I filed with CFPB # XXXX XXXX and XXXX has agreed to remove the the account with XXXX XXXX. Experian has been notified and they will not remove this account either. They are not following industry standards, and they are causing detriment to my ability to obtain future credit. Both of these accounts need to be removed from my credit reporting as they do not meet industry or legal standards.
Product: Debt collection

In XXXX of 2020, I discovered an alleged debt reporting on my credit reports for XXXX XXXX XXXX XXXX for an amount of {$350.00}. On XX/XX/2020 I sent Enhanced Recovery Company , LLC ( ERC )., a request for validation as I am allowed under the Fair Debt Collection Practices Act and requested for validation including a separate request for an assignment under the California Rosenthal Fair Debt Collection Practices Act ( Ca Civil Code 1788.13 ( l ) ) which prohibits " Any communication by a licensed collection agency to a debtor demanding money unless the claim is actually assigned to the collection agency. '' I did not receive any response from Enhanced Recovery Company LLC.
Product: Vehicle loan or lease

On XX/XX/XXXX from my lending institution XXXX XXXX XXXX sent a certified check in the amount of {$24000.00} as lease payoff amount as agreed with the payoff instructions provided by US bank/US Bank Dealer services to purchase the leased vehicle ( XXXX XXXX XXXX XXXX the end of lease ). On XX/XX/XXXX through a telephonic conversation I was informed that the check was returned due to endorsement missing. Upon enquiring further with the lending institution I.e. XXXX they informed me the US BANK/US Bank Dealer services didnt properly endorse the check causing it failed to process. Consequently US Bank kept my account open and added penalty amount for not paying off monthly lease charges. This appears to be gross negligence from US BANK/US Bank Dealer service not properly endorse the check and put liabilities on customer. During this period I have made several attempts and reasonable efforts to connect to their department and spoke with at least XXXX supervisors and explained the problem but still at the end of more than XXXX weeks the lease account still open and they failed to address the issue. They failed to communicate in timely manner and made situation very difficult. I have attached the copy of the payoff instructions sent by US BANK/US BANK Dealer Service , copy of XXXX shipment as Proof that my lending institution sent the check and received by XXXX  on XX/XX/XXXX
Product: Debt collection

I filed a claim with my insurance and received a letter that the hospital debt was cleared. 

Only to see Debt collector report on my credit report.
Product: Vehicle loan or lease

I XXXX XXXX was denied extension of credit by Bank of America. On XX/XX/2022, I applied for Bank of America auto financing. It is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 169XXXX ( C ) and you assume civil liability Pursuant 15 U.S Code 1691 ( K ). Bank of America has violated my federally protected rights : 15 U.S Code 1642 15 U.S Code 1681M 12 CFR 1002
Product: Mortgage

A few months ago I requested my PMI be removed and paid roughly {$400.00} for a property valuation to be completed. The result came back that my property was only worth {$370000.00} which seemed odd because XXXX shows my home value at roughly {$400000.00} and homes on my street are selling for well over {$500000.00}. My request was denied because the property value was too low and I was still a few thousand dollars away from achieving the required percentage. I called my mortgage company to ask if I needed to pay the difference in a lump sum or if I could just make my normal payments to make up the difference in a few month 's time. They assured me that I could make the necessary principal reduction through monthly payments and my property valuation would NOT expire in the meantime. Keep in mind that I had the funds available at that time but chose not to pay the lump sum at the advice of my mortgage company. 
With my most recent payment I hit the required threshold and called my mortgage company again to request PMI removal. They again denied my request and are claiming that the valuation I paid for expired after 90 days. This directly contradicts what they told me before. I should not have to pay another {$400.00} to correct their mistake. They also told me it would take up to 30 days to research whether an error occurred, during which time I would be responsible for another {$75.00} in PMI. So in essence they are charging me for the time it will take them to discover their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I wrote to them for them not to call me during working hours or to my job. They dropped off a collection letter at my work and they keep on calling me repeatedly during my working hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX I saw a lot of pre-approvals on Credit Karma . At first I didn't pay it no attention but Credit Karma kept sending me all sorts of different pre-approvals telling me that I was pre-approved for credit cards, personal loans, and that I can refinance my car. Everyday I would see these offers every time I logged in to check my credit scores. So after a few months of being told that I was pre-approved I thought I was now in the perfect place to apply. I got so many offers through Credit Karma I started telling my whole family about vacations and investments we were going to use these pre-approvals for. So I applied on or around sometime in 2020 and I got denied for two credit cards and a personal loan. I was distraught. I was very very angry and I felt deceived. I was marketed to for months. So Credit Karma told me that I was pre-approved. This was a lie. I was severely stressed out. I was nausea for weeks. I had migraines so bad I became anti-social. My XXXX went from XXXX. Now every time I see pre-approved I immediately close my phone and shut my computer off. This made me so uneasy and anxious that I haven't checked my credit as frequently as I should. I went so far as to delete the app entirely and mark any and all emails from Credit Karma as spam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Method of Verification letter on XX/XX/2022 to Equifax they have not responded to the letter. It has been over 100 days and they are now in NON COMPLIANCE per 15 USC 1681e. I also sent an AFFIDAVIT OF TRUTH XX/XX/2022 in which Equifax has blatantly disregarded. Equifax has 30 days to respond to the AFFIDAVIT OF TRUTH it is now 60 days past due. ALL OF THIS FALLS UNDER NON COMPLIANCE PER 15 USC 1681e. I also have Certified Mail Receipts To Prove Equifax is disregarding my issues.
Product: Credit reporting or other personal consumer reports

Requested XXXX Bankruptcies dismissal be removed due to no execution.
Product: Credit reporting or other personal consumer reports

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.

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 to rule 1002 and It was never provided.