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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 And list of Inquiries According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. 
Please remove these account from my report, they are hurting my ability to obtain credit. I do not recognize this account and did not authorize them. They are reported by third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, and made phone calls ( and spoke to ) XXXX customer service regarding NELNET LOANS Account XXXX reporting a XXXX delinquency in a month for which I was current 30 days prior ( according to XXXX 's own data on my credit report ). My letter, attached, states : 1. In XX/XX/XXXX, I was current ( as noted in XXXX version of my credit history ). 
2. However, in XX/XX/XXXX, XXXX is incorrectly reporting my NelNet account as 90 days past due ( impossible since I was CURRENT 30 days prior ). 
3. In XX/XX/XXXX, XXXX is incorrectly reporting my NelNet account as 90 days past due ( impossible since I was CURRENT 60 days prior ). 

I received a dispute resolution ( XXXX ) Report Number XXXX Date Generated XX/XX/XXXX, and XXXX refused to correct the obvious errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has suspicious activity listed on my XXXX XXXX report which is keeping me from getting an account with them or any other bank I have asked them to remove it and called them on several occasions and wrote them they have no proof and I never did anything fraudulent I had identity theft my car was broken into
Product: Credit reporting or other personal consumer reports

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft 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
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and that the following accounts and inquiries appearing on my credit report are fraudulent. As a result, I am requesting that these fraudulent accounts and inquiries be blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts to Be Blocked and Deleted : XXXX. XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Amount : {$8400.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX  - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Amount : {$11000.00} XXXX. XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Amount : {$2800.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Amount : {$6300.00} XXXX. XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Amount : {$920.00} XXXX. XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Amount : {$1900.00} XXXX. XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Amount : {$780.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$1200.00} Fraudulent Inquiries to Be Blocked and Deleted : XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding bankruptcy with the docket number XXXX According to 15 USC 1681 section 602 states, I have the right to privacy.

15 USC 1681b permissible purpose section 604 A section 2 : It also states a consumer reporting agency must furnish an account with written instructions. 

I have not authorized in any way the sharing of my personal information. I dont know your process, but please do not provide any information to any organization. I have not consented, and I have already opted out. Please comply immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX and transunion did not modify or remove anything. So I asked for the description of the investigation according to 15 USC 1681i. I still didnt receive anything for XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report XX/XX/XXXX. I noticed an array of mistakes with XXXX, and XXXX. I began disputing accounts. Some were corrected or rightfully deleted. But there are still accounts that are not being reported properly. Ally Financial was never included in a bankruptcy, ever. But it is being reported on my credit report as it was. That auto loan was paid in full when I traded it in for a different vehicle in XXXX. I never missed a car payment in my life. I contact Ally financial who referred me back to XXXX and XXXX to resolve. When I called XXXX and XXXX they referred me back to Ally. For four months Ive been trying to get this fixed, and they arent reporting correctly, which impacts my score in a negative way. XXXX XXXX was also never included in a bankruptcy. Those accounts were paid off. Both XXXX and XXXX are reporting it negatively, an account from XXXX that was never included on a bankruptcy. I contacted XXXX XXXX who confirmed it was never in a bankruptcy and I was referred back to XXXX and XXXX, who again failed to resolve the issue. These are just two of many examples of errors XXXX and XXXX have made which my credit file. I want my credit file to be accurate and that is my right. I have requested validation of debt which I never received from XXXX or XXXX.
Product: Checking or savings account

Someone has stolen my identity and my bank account information. They have used this stolen information to open an account at MoneyLion ( XXXX XXXX XXXX ) and take a loan out in my name. I have called XXXX three times reporting the fraud that has occured, get them to halt the {$500.00} bi-weekly withdrawals from my XXXX account, and to get basic information about what the fraudster has done there ( how much of a loan did they take out, what addresses are they using, stop taking money out of my account, etc. ) to no avail. The MoneyLion agent on the first call ( XX/XX/2019 ) said they would send my information to their fraud department and I should hear back within 48 hours. Didn't hear anything. XXXX XXXX another {$500.00} was drafted from my account by Moneylion. I called back. I explained again what was going on to the agent. They put me on hold, then disconnected my call. I called again. Same thing. I explained the whole thing again, magically my call was disconnected. The third call I spoke with another agent. I asked to speak with management. This agent, said that there is no management to speak with. He said that he saw in my notes that I placed a call on XX/XX/XXXX about the fraud. He then said that the XXXX department put my request on hold because I had not filled out the fraud affidavit MoneyLion sent me yet. I then told the agent that I had not received an affidavit because they probably sent it to the fraudster since the person I spoke with on XX/XX/XXXX didn't ask for my address or email. The agent today ( XX/XX/XXXX ) then took my information down - home address and email- then he said he would fill out the form for me in order to escalate this so I could get some help. At this time I still have not received a phone call, email, anything from Moneylion and they have successfully taken {$1000.00} from my account. All this while they refuse to give me any details about what the fraudster has done with my information at Moneylion ( did they take a loan out, open a bank account, what??? ). Please help!
Product: Credit reporting or other personal consumer reports

This letter is in response to your recent claim that XXXX XXXX XXXX have verified that the accounts they are reporting under my name is accurate. 

I challenge the accuracy, compliance, and report ability of this listing. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within ( 15 ) days of the completion of your re-investigation.

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification in unacceptable. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. TransUnion Corp., XXXX. XXXX ( XXXX, XXXX ), you may be liable for your willful non-compliance.

More case law of non-compliance, Cushman v. Trans Union CorpXXXX, XXXX. XXXX. 

I remind you that, as in XXXXXXXX XXXX XXXXXXXX, XXXX. XXXX ( XXXX XXXX XXXX. XXXX  XXXX ), you may be liable for breaching your duties to maintain reasonable procedures and to reinvestigate under the FCRA. 

XXXX XXXX XXXX XXXX ( now XXXX ), No. XXXX, you may be liable for taking an unreasonable long time to reinvestigate a dispute and failing to delete inaccurate or unverifiable information.
Product: Vehicle loan or lease

Subject : Urgent Matter - Vehicle Repossession and Security Interest Revocation Dear West Lake Financial, I hope this letter reaches you in good health. I am writing to express my concern regarding the repossession of my vehicle, despite having previously revoked the security interest associated with it.

It has come to my attention that there might be a misunderstanding or oversight in the handling of my account ( Account # XXXX ). I kindly request an immediate and thorough investigation into this matter to rectify any discrepancies that may exist.

I believe in fair and transparent dealings, and I trust that we can resolve this issue amicably. I hereby request that you address and rectify the situation within the next XXXX  days. Failure to do so will leave me with no option but to escalate the matter further. 

In the event that this issue is not resolved satisfactorily within the stipulated timeframe, I want to make you aware that I am prepared to request a XXXX XXXX XXXX XXXX  over my account. This is to ensure a comprehensive examination of the situation and to maintain transparency in our dealings. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

TRUIST bank will not stop calling me about a debt that I have talked with them about extensively and explained the situation. I asked them to stop calling me over and over and over. The calls are endless. 
I can't even keep up with all the dates. 

I have spoke with mangers before and the manager said he would make sure the calls stopped. 

they call may stop for a couple weeks and then they start back I asked for copies of the recorded calls and transcripts of calls to prove how many times I have told them to stop calling me and that each time the person on the phone will say I will remove your number and not call anymore but the manager called me back and said I have to have a subpoena to get any information on recordings /transcripts I told them I dont care if they send mail but to stop calling me but they still call I block the numbers they call from and then the change the phone number that they call from.
Product: Debt collection

To whom it may concern, I am writing to dispute the accuracy of the information reported on my credit report by Jefferson Capital Systems regarding a collections account for XXXX XXXX. I believe there is a misreporting of the amount owed. I have also recieved notice from Jefferson Capital Systems insuating that if this debt is not payed quickly that I may be legally liable/action can be taken against me The details of the account in question are as follows : Creditor Name : Jefferson Capital Systems Amount Reported : {$1100.00} I am requesting that this item be removed entirely from my credit report or that you provide me with proof of the debt, including detailed information such as dates of purchases and amounts for each purchase. 

Please investigate this matter and delete the disputed item ( s ) as soon as possible. I appreciate your prompt attention to this matter. 

Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, 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 that 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 ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting an alleged late payment from 2019 to third parties, and this information is inaccurate. I have requested that this information be removed on several occasions via phone and letters. If XXXX XXXX believes that this information is accurate. I'm requesting to be provided with proof in accordance with UCC 9-210 " Request For Accounting ''. Account statements will not suffice.
Product: Checking or savings account

Since the bank informed me in early XXXX that they will not entertain accounts for non-residents any more I am trying to transfer my balance ( medium XXXX XXXX  ) to another account in the XXXXXXXX XXXX  to today that could not be done due to restrictions imposed by the bank on the total of monthly transfers. Mountains of correspondence, lots of phone calls did not bring about a solution, a notarized form calling for the cancellation of the account and transfer of the balance sent on XX/XX/XXXX has not have any results either. It is in my opinion inconceivable that such easy and normal transactions can not be executed in a reasonable time and customers therefore can not dispose of money rightfully theirs.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to XXXX credit bureaus was XX/XX/2023, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
US DEPT ED XXXX Balance : {$200.00} US DEPARTMENT OF EDU XXXX Balance : {$200.00} U S DEPT OF EDXXXX XXXX Balance : {$200.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/year> GLOBALLEND Dear Credit Bureau, I recently received a copy of my Equifax credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your promo response to this issue. Please be so kind to forward documentation that you have had the unauthorized inquiry removed. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I disputed the information through XXXX, Transunion & XXXX on an auto loan from XXXX as inaccurate. The disputed account stayed and remained. On XX/XX/22 I disputed the account Again including the information regarding a litigation suit involving the finance company and the file was updated with inaccurate information.
Product: Credit reporting

I mailed a check for {$300.00} to XXXX XXXX Bank on XXXX/XXXX/2015. I forgot to sign thecheck. I never got a call from them. On XXXX XXXX after 3 weeks on vacation I find the check in my mailbox.The correspondence has no explanation just the check. I call XXXX and I am told everything is fine so I make a payment of {$350.00}. They credit me back late fees so I am thinking everything is fine. I check my credit report and find the account is delinquent late 107 days. No phone call or email. I am glad they are using technology. They charge me ridiculous interest and pocket the money and provide zero service. Its a {$900.00} credit card. Are they kidding me? How about a XXXX time exception and remove the deliquency and late fee from my credit report? They tell me they are obligated to report it to the credit agencys. Yes, this is my fault I did not sign the check and should have called them. I was out of the country and off the grid. This is the result. Now my credit is ruined my score is under XXXX. Is there anything you can do to help me? This is on all XXXX credit bureau reports .... EquifaxXXXX
Product: Consumer Loan

The loan company keep increasing my loan limits without informing me. I found out that my monthy increases when they increase the limit.
Product: Credit reporting or other personal consumer reports

This evening, I noticed some incorrect accounts appearing on my credit report, and I don't understand why. When I checked my credit report as I normally do, I found discrepancies that werent there before. I tried refreshing my browser to see if it was a technical issue, but the errors persisted. Therefore, I am requesting that the documents Ive submitted be carefully examined to prevent this from happening again.
Product: Credit card or prepaid card

I havent received a bill for this. My address is current and has been. Not sure how I know I owe on something when it pops up on my credit years later. And youre saying ive been late since 2015?
Product: Checking or savings account

had unemployment sent to an account I had with them but the account was closed cause it was in the negative for {$24.00} and because I haven't used the account in 2-3 months. I was unaware it was closed until the payment was already sent. 
They recommended I open a new account so the money could be rerouted there. As soon as the money hit the account I paid my rent online via ACH. Immediately after the account was closed minutes later. It's under investigation because the Texas unemployment deposit was flagged as fraud. I have proof showing the deposit was in my name and the account is still restricted and not closed out yet. 
After it's closed I still have to wait another 7-14 business davs for my money.

I did research online and found several other Chase customers that experienced similar issues and it seems like some type of glitch in their system. 
I'm facing eviction because I do not have access to my money and the because the payment was returned which caused NSF and late fees. 
If I knew it was a chance of this happening I would have went to another financial institution or opted for a check instead. I took their advice and opened the new account. I want to be refunded for the NSF fees and for my pain and suffering. This has been extremely stressful and my kids and I are suffering tremendously. 

CHASE BANK
Product: Mortgage

This is in regard with Rocket Mortgage 's recent failure to pay the flood insurance premium from the escrow account associated with my mortgage. This resulted in the flood insurance policy being cancelled due to non-payment. 

The result of this is that the original premium of {$350.00} was no longer available and the lowest available premium had now increased to {$830.00}. 
Over the life of the mortgage this is a {$5000.00} mistake by Rocket Mortgage! 

I have tried several times over the phone to get this issue resolved and the original premium reinstated. I was forced to pay the new premium on threat of a vender policy being taken out for over {$2000.00}. 

Rocket Mortgage insisted on paying my flood insurance policy by escrow. They took funds to pay the escrow and then failed to renew the policy with those funds. 

I am now paying {$5000.00} more because Rocket Mortgage failed to pay the premium they, through escrow, took on the responsibility for.