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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that the transaction XXXX XXXX/Account # XXXX has been furnished to the Trans Union , XXXX, and Equifax and is being reported on my credit report without my written consent. Using or attempting to use identifying information of another person without consent or authority is considered identity theft under Federal Law. The creditors who furnished this information to the credit reporting agencies failed to provide me with disclosures to opt out before disclosing any of my personal financial information to the credit reporting agencies.
Product: Credit card or prepaid card

On XX/XX/2019, I paid off my Chase credit card in full and early for the third time in the four months I've had the card. When I paid the card off, the CS rep on the phone gave me a temporary credit increase so that I could use my card while the funds cleared. I paid {$3000.00}. I went to use my card on XX/XX/2019, and it was declined even though my online app said I had over {$2000.00} credit available. The purchase that was declined was a {$21.00} charge. I thought it might be the place where I was trying to use it, so I tried again with a charge a little over $ XXXX..again declined. I called XX/XX/2019, and the automated system said my card was declined due to insufficient funds, so I talked to another rep. She said Chase was holding my money, and I told her my XXXX XXXX XXXX account was drawn for the {$3000.00} on XX/XX/2019 and that the last rep I spoke with had given me a temporary increase so that this wouldn't happen. She said that was true, but the temporary time period ended before they released the funds. To me, this is theft, since they are drawing interest on my money that I can no longer access nor use what I paid for ... credit on my Chase credit card. I also missed out on airline points I could have accumulated. This is the second time this has happened to me.I expect Chase to be treated as any criminal who steals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a court order that states the debt belongs to someone else. The court order was submitted to XXXX, XXXX and XXXX and to GM Financial around XX/XX/XXXX or XX/XX/XXXX detailing the court order, and who the debt belongs to. XXXX, XXXX, XXXX and GM Financial submitted a response stating they will not remove debt from credit despite submitting legal documents.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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
Product: Vehicle loan or lease

I have attempted to request a specific document from Ally five times now. The document must be on letterhead, signed and dated by any Ally representative, state that the XXXX may change the last name on the registration from XXXX to XXXX, and it must state the year, make, and VIN number of the vehicle. 

I have requested this by the document request form in the Ally app, via chat feature in the Ally app, by phone when they failed to provide it, and then again by phone and spoke with a supervisor. The supervisor confirmed with me the requirements of the document and assured me that the request was clear. Each time Ally provides me with a document, it is only on letterhead and references the appropriate vehicle. None of the other information or criteria are provided. 

I have been working on obtaining this document since early XXXX, and the XXXX is no longer able to provide me with temporary registrations to continue driving. Furthermore, the title will legally need to returned to the leinholder in about a week, giving me a tight deadline to provide this document. 

If Ally does not provide the required document by XX/XX/XXXX, I will not be able to drive the car beyond XX/XX/XXXX. I currently rely exclusively on my vehicle for making a living, and I will be at a major financial loss if unable to drive. I will hold them responsible for my loss of income, as I have tried repeatedly to obtain the document required, and they repeatedly fail to read the instructions I provide each time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Prepaid card

Been trying over a year to get a replacement card from this company and they keep telling me to fax A copy of the card front and back and my Driver 's license. 2 shades, lighter and 200 %. Well, I've been doing this off and on for over a year and they keep telling me they can't read it, or it's illegible or too dark. I even mailed it and they said that it's too dark. I mean, it's ridiculous.
Product: Debt collection

Two things really, I do not deny owing this debt it originated from an employer issuing me a CPAP machine on a loan basis, upon resigning my options were to buy the machine outright for XXXX or return the machine. This company was XXXX by the way. I attempted to find out how to return the machine to XXXX but could n't get the right procedure and since I thought perhaps I needed it I would go ahead and pay the XXXX when I could, or try and reach out to XXXX to set up an arrangement. I receive some written communication from XXXX, perhaps 2-3 letters. Then I get a letter from a representative by the name of XXXX from Lockhart, Morris, and Montgomery collections. Upon talking for awhile, approximately 3 weeks ago maybe the XX/XX/2017 the balance was suddenly XXXX dollars and I could only make two payments in the amount of XXXX. If I understand the law right they can not " Mark up '' or " add a fee '' to collect this. My biggest thing with this case is that after speaking with XXXX XXXX, I was told I would have to sign a contract or promissory note to pay, and I would be emailed this letter. I never received the letter nor any further contact from XXXX XXXX. Today, XX/XX/2017 I was charged in the amount of XXXX overdrawing my account since I had not heard anything further from the firm, I figured either it would wait till next month or she would send me the document I needed to sign before she would charge me. So the law is fuzzy on this but if I am not mistaken, since I was told I had to sign before she could accept this agreement I should not have had money withdrawn essentially without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

If after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or can not be verified, the consumer reporting agency shall ( 1 ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the reinvestigation. Hello I have found inaccurate reporting information from Experian. The account XXXX XXXX XXXX ending in XXXX. I have called, wrote, text the creditor several times. It has been over XXXX years that this inaccuracy been on my Experian credit report. Now Experian is reporting that I was past due twice. In XX/XX/2021 and again in XXXX. According to the payment History. Then it shows different days being late. It inaccurate shows XXXX as days past due.This reporting has been damaged my credit over XXXX points for XXXX  years. I lost numerous of advancements in living, financial and personal life. Due to this inaccurate information that's being reported by Experian.
Product: Debt or credit management

I been trying to temporarily unfreeze my credit alert they sent me a passcode which was never activated. Now I have to wait another 2 weeks for another number and this is not the first time. No one would even try to assist me and its messing me up from the business I need to perform. They are always hesitant about helping and my credit scores also have been fluctuating without explanation but no one can give me answers
Product: Credit reporting or other personal consumer reports

Dear TransUnion I sent a letter to the furnisher disputing the account listed below. I have not heard back from them, but they have verified find the account as accurate. 

XXXX : Account number : XXXX, Furnisher comments on my report are inaccurate. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX : Account number : XXXX, XXXX comments on my report are inaccurate. I need this fixed ASAP. 30 days should be enough. 

Can they do this? Verify an account without providing me with proof that they are reporting 100 % accurate? I will be sending all letters to my attorney for review to see if anyone violated the law. Know your company verified the above account. Send me all of the information you used to verify the above account so my attorney can review it for any violations. 

Please send ASAP, as 15 days should be enough time. 

I and my attorney await your response. 

Cc : FTC, CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are fraudulent and not authorized by me, and please remove these unauthorized inquiries on my credit report. 
In accordance with the Fair Credit Reporting act Convergent Accounts XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/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: Checking or savings account

I am writing to formally address a serious issue regarding identity theft that has directly affected me. Recently, I discovered that several bank accounts have been opened in my name without my authorization. This situation has caused significant distress and has raised serious concerns about my personal information being misused. I want to emphasize that I have never consented to the opening of these accounts, and I am deeply concerned about the impact this fraudulent activity has on my financial well-being and personal reputation. It is imperative that these accounts be removed from my name immediately to prevent any further complications or damage.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against [ Credit Bureau Name ] regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, XXXX XXXX FL, XXXX, but my credit report shows an outdated address as XXXX XXXX XXXX XXXX, XXXX, FL, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX FL, XXXX ; XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, FL XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, FL, XXXX ; XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX ; XXXX XXXX XXXX XXXX, XXXX, FL, XXXX ; XXXX XXXX XXXX, XXXX, FL, XXXX. I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting or other personal consumer reports

Discovering an error implying a XXXX  payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Product: Mortgage

I'm currently going through a war on XXXX XXXX and have had to go through 5 XXXXin the past 2 years so my tolerance level for the amount of stress that this has caused me isabove and beyond my abilities. We do not get the best phone reception here. Wepurchased our forever home on our 20th Wedding anniversary XX/XX/XXXX. We hadbeen with XXXX XXXX  making our biweekly mortgage payments until XXXX when our loan was then sold to Roundpoint Mortgage. In order to be a part of thebiweekly payment program, you had to have paid a month ahead on your mortgage, so atthe time of our loan being sold : Our next payment due was XX/XX/XXXX. I have a copy of thelast mortgage statement sent to us from XXXX XXXX  reflecting this and will attach.When Roundpoint took over our mortgage they insisted we were due for XXXX XXXXpayment. We tried to contact them several times via phone and were unable to get anyoneto understand they had the payment information wrong. Additionally, Our mortgagepayment changed financial amounts when being transferred to the amount we were toldwas due if we did not pay the escrow shortage. ( we have proof we paid the escrow shortageto XXXX XXXX  ) We continued to make our biweekly payments to them : for 2 months ( 4 payments ) and in XXXX XXXX we received a letter from XXXX XXXX  stating our loanwas getting sold to them and we were due for the XX/XX/XXXX payment. I have been in contactwith XXXX XXXX  giving them copies of our bank statements showing all paymentsmade for the 2 years, Copies of XXXX XXXX  1098, copies of the mortgage statements.The response given to us was that they did not start servicing our loan until XX/XX/XXXX andwe would need to work it out with Roundpoint. When we contacted Roundpoint with all ofthis information, who still has not provided us with a 1098 for the 2 payments made XXXX and the 2 payments made XX/XX/XXXX. They advise us they can not do anything as theysold the loan to XXXX XXXX  and we would have to work out payment problems withthem as they own Roundpoint now. I've spent hours trying to resolve this on the phone aswell as through email contact. XXXX XXXX  is now rejecting our mortgage paymentsbecause they say we are several months behind and have also sent us a letter saying theyhave reported us to the Credit Agencies for nonpayment! Our records show that we are duefor XX/XX/XXXX!! Please Let me know if you are able to help with this horrifying problem and ifnot, whom we should contact. Thank you kindly in advance, Make it a great day.
Product: Credit card or prepaid card

Barclaycard closed my account without notification or reason on XX/XX/XXXX. I had a XXXX balance and have been a customer of this bank for many years. 

When I called customer service I was transferred to a call center in the XXXX and no one could tell me why the card was closed. No letter was mailed nor did I receive any type of phone call. 

Closing accounts like this impacts credit scores ( sometimes negatively ). I find this be be an extremely poor and customer unfriendly business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i opened a credit account. Both my XXXX and XXXX are reporting a collection as an " open account '' which is not an open account and is under FCRA compliance. This is inaccurate reporting and needs to be removed immediately.
Product: Mortgage

On XX/XX/XXXXSeterus purchased and enforced a forced place insurance policy on XXXX XXXX XXXX XXXX without notice and while the property was under a federal stay. The XXXX had insurance on file in the case documents for the property with the bankruptcy court at the time of the placement. This illegal creation of the escrow account for forced place insurance in XX/XX/XXXX lead Seterus to pay off one of the Debtors tax plan agreements in XX/XX/2013. The XXXX XXXX XXXX XXXX treasure had agreed on plan and this payment plan was part of the Debtors confirmed bankruptcy plan in the amount of {$1500.00}. Seterus then added the tax plan balance to the illegal insurance escrow balance and began trying to collect from the debtor. Seterus was notified by the debtor that these actions were illegal in XX/XX/XXXX. The XXXX refused to pay the added illegal expense. Seterus raised the monthly payment to force the Debtor to pay the added bill or face foreclosure action. I have enclosed a Conditional stay of relief as a exhibit. Seterus will state that because of this relief they had the right to insure this is not true for two reasons. 1 the insurance predates the file date of the relief. 2. I had insurance on file with the court. Seterus just flat out violated my bankruptcy plan by paying off my tax plan and billing me the balance at a shorter term. Seterus needs to recognize what they have done and correct the loan back to the improper insurance XX/XX/XXXX. Seterus has been avoiding sending back a answer though the CFPB because the company has violated my bankruptcy rights and the FDCPA by trying to collect bankruptcy XXXX debt along with insurance fraud.
Product: Student loan

My loan was supposed to be discharged in my XXXX XXXX XXXX XXXX 2008. 

Bk # XXXX My loan was a private career training loan by Sallie Mae Now it is serviced by Navient. I have been required to pay since 2008
Product: Checking or savings account

I submit a claim for multiple transactions made with my debit card, I sent back all the documents and information requested by the bank to XXXX XXXX, XXXX XXXX, XXXX XXXX. 
The bank never handle the claim properly, so the account is overdrawn, now is closed. 
Before the claim was open I have money in my account so I need to know when that money will be sent by a check to my address
Product: Credit reporting, credit repair services, or other personal consumer reports

After the good faith adjustment was honored and reported to remove all negative impact reporting to all Credit Bureaus XXXX XXXX, Equifax XXXX XXXX ) there was a new inaccurate XXXX late pay reported to the bureaus for XX/XX/XXXX. I paid off this account in full in XXXX of XXXX, the account has been closed since XXXX and my good will letter was honored to remove all of the previous negative reporting but a new XXXX late pay was added for XX/XX/XXXX. I am in the process of buying a house and this inaccurate reporting can cause me to loose the house of my dreams as well as be homeless because I have already given notice to move out of my current home. I need this inaccuracy corrected TODAY and reported to the Bureaus so that I can complete my homebuying process. I cant wait until the next reporting on XX/XX/XXXX, I need this corrected immediately. I truly appreciate your consideration and thought to my situation in advance. I have attached the written requests sent directly to the creditor as well as the statement sent to me showing last payment date, {$0.00} balance owed and account closed.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding unauthorized items on my credit report and request their immediate removal. Upon reviewing my credit report, I noticed several entries that I believe are inaccurate and have not been authorized by me. These entries are negatively impacting my credit score, and I am seeking your assistance in resolving this matter promptly. 

The unauthorized items are listed as follows : List below I have not applied for credit with these creditors nor authorized any transactions that would have resulted in these accounts. As required by law, I request that these unauthorized items be thoroughly investigated, removed from my credit report, and corrected immediately. 

I have attached relevant documentation supporting my claim, including any correspondences or evidence that demonstrate that these items were reported in error. 

Please confirm receipt of this complaint and provide an update on the status of my request as soon as possible. Should you need any further information, do not hesitate to contact me at the phone number or email listed above. 

Thank you for your prompt attention to this matter. 

Sincerely,