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

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> and XX/XX/year>, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record!

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point.

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
Product: Credit reporting or other personal consumer reports

I was shocked to see incorrect accounts appear on my credit report this morning, and I have no clue how they got there. I check my report regularly, and everything was fine before, but today, unexpected discrepancies appeared. I even refreshed my browser to see if it was a mistake, but the inaccurate accounts remained. Therefore, I am requesting a thorough review of the documents I submitted to ensure I never have to deal with this issue again.
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 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 items 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 items which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than XXXX  business days after the date of receipt.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I applied for a PPP loan for self employee people, I completed the applications and provided schedule c  as documentation that is needed in my paticular case, unfortunally Citi bank was requesting form XXXX  to be provided which was wrongfully ask because in my case schedule C  is the form they need to approve my loan. on XX/XX/XXXX citi bank send me denial letter because I did not sent form XXXX  and that is 100 % incorrect, Now I am complaining because if they are doing this to me that means all self employee like me that qualify for ppp loan are being denied and that is unlawful, under the cares act we are entitle to apply for this loan
Product: Credit reporting or other personal consumer reports

To receive my FREE ANNUAL credit report Equifax and ONLY Equifax now require ME to send them a copy of social security card and a second id Drivers license, pay stub etc.

NONE of the other companies require this only equifax PLUS I have been in my current address over XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX  I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to  be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$73.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Inquired on XX/XX/2021 2021
Product: Credit card

I have an XXXX XXXX XXXX, and for every dollar you spend at XXXX you get XXXX point and points equal money back you can redeem at XXXX. You receive the points at the end of each month for the previous statement. My XXXX purchases I spent about {$2000.00}, and my XXXX purchases I spent about {$3500.00}. With points promotions, I should have received about XXXX points for both months combined, which equals about {$400.00}. I did not receive any credit card points for my XXXX purchases, and I just received XXXX for XXXX. I have been emailing and calling customer service for a month. All I get is our internal team is working on it well reach out when we get a solution. The solution is to give me my points, but they will not give me time frame, or tell me who the internal team it. I keep getting the run around with no resolution in sight. I have sent them the statements they asked for as well.
Product: Checking or savings account

I opened a account with Chime in XX/XX/XXXX with my refund check XXXX another check was deposited which was my economic stimulus check of XXXX another one XXXX. During that time my XXXX refund was deposited in XX/XX/XXXX XXXX. A cash deposit of XXXX cash was also deposited in this account. My Totaling XXXX. I called account still in good standing the representative confirmed my balance of XXXX. And asked me did i try to access my account by changing the pw I told her no. That's when we changed the email address to XXXX and pw Immediatly and I believe it was in XXXX or XXXX of XXXX i never I tried to access this account until recently in XX/XX/XXXX and could not access my account. My wife started a new account n requested the.money be transferred into the new one explaining the old one could not be accessed n wanted the money balance transferred to the new one. We also tried to access the account by using the ATM card with no luck. Now my wife does not have access to the account at all. During this time I asked her to help me bcause I couldn't seem to get help through customer service. Chime ask for me to verify my identity. I sent them on 6 different occasions 6pic photo id 's 6 pic of my ssc copy of a bill with addres n a phone bill with my new phone number. Since the old one was not updated. But again could not access my account. After looking at my emails I noticed a XXXX XXXX with some type of spot me all over my email. I don't know this young lady so I didn't understand her involvement with me. She is not one of my contacts either. Also while looking over my emails I never recieved a bank statement from chime by mail nor even through my email. 
Chime said that they noticed unusual activity n never elaborated on the comment that was made. Amatter of fact the only thing they informed me of that my account was closed due to some account disclosure. They informed me they will send a check from my savings and another from my checking in 30days from the closure date XX/XX/XXXX. And 14 days from the XX/XX/XXXX from my savings I recieved a check from the savings in the Sum of XXXX which was XXXX short of XXXX which that was my savings balance XXXX. I inquired about the other refund check of XXXX and still have not recieved a response from chime nor the check from the checking account. I did inform them I was gon na seek legal help into receiving the rest of my money. I didn't even know that the account had been suspended in XXXX bcause they never informed me by mail or email. I have tried to contact them by email 20 to 30 times with no response to the money that I know for a fact was in that account. The irs sent me a identity theft pin for my ssn incase someone had used my identity. Chime never elaborated on any activity done with my account. I never authorized any transactions on this account. I do know that this account in XXXX ended with XXXX and should still in account was XXXX
Product: Debt collection

Date if phone contact with collection company Wakefield requested info they responded with promise to postal mail samenever received. All I know is debt supposedly occurred in 2020 I was made aware of this from XXXX XXXX never was contacted from collection agency
Product: Credit reporting, credit repair services, or other personal consumer reports

I guess its easier to pretend as if you can't understand what I'm saying than admit EXPERIAN is wrong. 

I WILL BE FILING A SMALL CLAIMS LAWSUIT ON OR AFTER XX/XX/2020 ABOUT MY UNRESOLVED LAST COMPLAINT # XXXX. I HAVE MAILED THEM MY DEMAND LETTER AND IN CASE THEY DIDN'T GET IT, HERE IS MY PROOF. 

I'm telling you to put the information you deleted back on my report and send XXXX XX/XX/2020. I'm trying to resolve the issue before going to court. Experian hurt my credit by deleting the information from my credit report! I can't get the house that I wanted because they removed this information from my credit. 

I DID NOT WANT THAT INFORMATION DELETED! I NEVER ASKED FOR THAT INFORMATION TO BE DELETED! 

The following attachment are the items I DID NOT WANT TO BE DELETED. 
I NEVER ASKED FOR THIS INFORMATION TO BE DELETED. 

ALSO I HAVE ATTACHED PROOF THEY GOT MY DEMAND LETTER.
Product: Bank account or service

Beginning on XX/XX/2014, the Chase bank located on XXXX, CA XXXX began making monthly, unauthorized, donations to the Police and sherriff 's review. The donations varied from as little as {$35.00} to as much as {$390.00}. I only wrote one check, for a one time donation, then the bank took it upon itself to make arbitrary donations.
Product: Debt collection

I have an unverified account from PHNX FINAN. I had previously disputed this account. I have never done business with PHNX FINAN pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PHINX FINAN Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PHNX FINAN Cease and Desist all further communications and collection actives and provide the verification of the purported
Product: Credit card

On XX/XX/XXXX, I received an offer from American Express for a lower interest rate ( 6.99 % ) on my credit card, effective immediately. Anticipating expenses in XXXX and disliking their 20.99 % interest rate, I applied that day and immediately got a confirmation, that charges from that day forth for a year would receive the lower interest rate.. 
Weeks later in mid-XXXX, I received my monthly bill. In addition to a previous balance, there were {$680.00} of new charges that preceded the XX/XX/XXXX enrollment, and {$4900.00} of charges after the enrollment date. However the statement only listed {$570.00} as being subject to the lower rate, instead of {$4900.00}. 
I called Amex on XX/XX/XXXX and spoke with XXXX for about 90 minutes, getting nowhere. When I asked repeatedly for an explanation, he repeatedly asked me to hold and then returned to say that an explanation would be mailed. I repeated asked for not only an explanation but a correction. 
Within a few days, I received two form letters from Amex. The first said that while they are investigation I am not responsible for the {$570.00} ( not the issue, in my mind ). The second was a long and confusing letter about how Amex calculates various interest charges. Finally, a few days later, I received an envelope listing all charges for several months. 
As of today, I still have no explanation or resolution.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that has been reinserted into my consumer report. Below are the details of my dispute : Consumer ID Number : XXXX Account in Question : XXXX XXXX Account # XXXX Disputed Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never resided at the address listed above, nor do I have any connection to it. The inclusion of this address and account in my consumer report is inaccurate and violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Under FCRA 605 ( b ) and 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain maximum possible accuracy in consumer reports and take reasonable steps to ensure that disputed information is accurate. Given the errors in this case, it is clear these standards were not met.

Additionally, FCRA 611 ( a ) ( 5 ) ( B ) prohibits the reinsertion of previously deleted information without proper certification of its accuracy and notification to the consumer. No such certification has been provided to me, rendering this reinsertion unlawful.

I demand that you verify the accuracy of this account and the associated address. If you can not provide verifiable documentation tying me to this account or address, you must delete it from my report as required by FCRA 609 ( a ) ( 1 ).

Failure to comply with these laws, including FCRA 616 and 617, could result in legal action for willful noncompliance and damages caused by inaccurate reporting.

I Been dealing with financial hardships all because you guys keep reporting inaccurate information.. I cant open up a bank account to even start my buisness to pursue my dreams.. Im asking you guys to please remove this inaccurate account from my consumer report..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX # XXXX # XXXX # XXXX # 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: Mortgage

We are having a major issue with Rushmore Loan Servicing. We were having having a Loan modification process through Rushmore London Secing Loss Mitigation Department. Oue Sole Point of Contact is Mr XXXX XXXX. On XX/XX/XXXX my husband XXXX XXXX XXXX received a call from Rushmore initiated by Mr. XXXX XXXX. XXXX XXXX started expressing his feelings how that XXXX people were being mistral ed by XXXX people. How XXXX were getting the end of the sticks. XXXX were being treated unfairly by XXXX cops. And he himself Was going through the same problem his loan house was being foreclosed on and so and so forth. When my husband told him that he was XXXX with a XXXX wife the conversation stop. This was the last conversation he had with Mr XXXX. Ever since our calls were not being answered we were ignored no matter how much we call no returned phone calls. We called Mr XXXX supervisor Ms XXXX XXXX no returned phone then Rushmore proceed to Foreclosed. My wife XXXX XXXX had to file for bankruptcy in order to stop the foreclosure. The process restarted and we felt that we were being played. No one at Rushmore wants to discuss any subject besides foreclosing. We finally got in touch with XXXX XXXX upper management for Rushmore and we explained that the investors wanted to charged off the mortgage since we have overpaid for the property before the market bubbled in XXXX. Our intentions is not to get a free bee we just want fairness now we are being foreclosed again on XXXX of this year. We need help and feel like we are being discrimated against because we are an interracial Couple. Please help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, Everytime I have contacted Equifax since the first recognition of my information being displayed incorrectly, back in XXXX of XXXX, I have nothing but come across continuous roadblocks. I was asked to fax : my birth certificate, my ID, SS #, phone #, address verification and a cover letter of why I am disputing information, when I initially called to report my birthday is reported incorrectly, I sent Equifax rhese items via fax as they requested. I haven't been able to answer the security questions correctly to have a telephone consult on why this hasn't been changed and I don't know what misinformation the security questions are recorded as. I have complied with this request 2 times since the initial fax to unlock my account, although they are not asking for me to fax my Birth Certificate to unlock my account they are requesting the other documents listed above. I will try and explain this scenerio as best I can, quickly and effectively and I hope that this time it will be taken seriously with accurate credit report results. 

Just for the record ... I will say that I was divorced in XXXX and filed a bankruptcy in XXXX. Beings as I had the bankruptcy I found no need to try and apply for any credit other than a simple minimual balance capped credit card with XXXX XXXX. Equifax is the only agency reporting my date of birth in errors, which I have attempted several times to change because they are the first credit report to be veiwed when applying for jobs and credit. Equifax reports that the the duration of this information is around 10 years. Overall, I beleive that this misinformation has hendered my ability to obtain a good paying job and also any credit as I would be 12 years older than I actually am. 

Aside the fact that I never claimed residency to the below addresses being reported and would also like these to be removed : XXXX XXXX XXXX XXXX, XXXX WA XXXX - XX/XX/XXXX ( co-signed for daughter ) XXXX  XXXX  XXXX XXXX WA XXXX - XX/XX/XXXX ( XXXX XXXX XXXX XXXX rented after we seperated ) XXXX XXXX XXXX XXXX XXXX, WA - XX/XX/XXXX ( XXXX rented a box there after we were seperated ) I recently requested an address be removed in an online dispute and the changes were made with out any questions asked. Yet they won't change the items that are important to be changed. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Results from the investigation were neither logged, rendered, nor provided to XXXX, in 30 days and or til date, despite XXXX repeated requests. Second, XXXX requested Experian to provide the method of accuracy & verification used by Experian pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Experian remains non-compliance till date. Third, XXXX requested Experian to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to XXXX. Hence, Experian again went silent.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately :
Product: Credit card or prepaid card

I had CapitalOne Savor card. There is {$95.00} annual fee on this card. I opened the card because of the promotion and annual fee waived for first year. Last year I want to closed the account because I do not want to pay the annual fee but I could not because the annual fee can not be refund after certain days. So I want to make sure that I can close the account this year when the annual fee kicked in. On XX/XX/2022, I called CapitalOne and the agent told me that I will get the refund for the annual fee if I close my account before XX/XX/XXXX which I did. On XX/XX/2022, I checked the account and the refund was not posted. I called and the agent ( who also confirm this with her supervisor ) told me that I have to wait until the new statement is posted. When the new statement was posted, there is still no refund. So I called again on XX/XX/XXXX which took about XXXX hour XXXX minute to learn that I would not got the refund. The first agent told me to wait for one more statement to come out since it might take 1-2 billing cycle for refund to post. I asked him to confirm if that will happen for sure but he could not and he passed me to another agent to work on issuing the refund right away. Second agent picked up, said " hi '' and then there were silence. Not sure what is going on so I hang up after waiting for few minutes. Then I called back and the third agent told me that it passed 40 days because I closed it on XX/XX/XXXX. If I closed before XX/XX/XXXX, I would get the refund. I told them I closed on XX/XX/XXXX because I was told that I have until XX/XX/XXXX. He passed me to his supervisor to see if there is anything that they can do. This supervisor agent ( who said that she is the seniors accounting and the higher resource on this matte ) told me that there is nothing that they can do beside they are sorry about what happened. I asked if I can not get the refund then can I reopen the card so I can use the card since I already paid for the fee and she said she was not sure if card can be reopen. This is not fair to consumer like us when we have to pay for misinform from the company. I lost my money and all they can do is saying sorry. That is it. They do not take any responsible on their mistake. I hope this complaint is heard and this kind of cheating is not happen in future or other can learn from my mistake not to trust this company. They do not train their people to give accurate info.