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

According to CFPB Ref No : XXXX and XXXX, XXXX sent a request to delete the hard inquiries, dated XXXX XXXX, 2020, and XX/XX/2020 in which CRAs must take less than 90 days since XX/XX/2020 to update my records. At the moment of filling the claim, XXXX XXXX, 2020, Experian still reports falsify information about these hard inquiries.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that on XX/XX/XXXX, I contacted Equifax regarding several pieces of incorrect information on my credit report. Despite my initial contact, I have not received a response from Equifax to date. Below, I have outlined the inaccurate information and the necessary corrections : The following account was never late : Creditor : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$16000.00} Action Required : Please correct/update this inaccurate information on my credit report. 


The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$5900.00} Action Required : Please remove it from my credit report. 


The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$3800.00} Action Required : Please remove it from my credit report. 


The information indicated on the XXXX account is imprecise. The balance of {$390.00} that you state for this account is higher than the amount that I remember. Please remove the amount indicated in the Past Due section, as this account has a closed and charged-off status. I plan to have a conversation with the creditor of this account to clarify all of the reported data. Until the appropriate corrections are made, please mark this account as disputed. Creditor : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$390.00}. 


The following account is not mine : Creditor : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$3500.00} Action Required : Please remove it from my credit report. 


The following account is not mine : Creditor : DEPTEDXXXX  Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$6000.00} Action Required : Please remove it from my credit report. 


The following account is not mine : Creditor : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$2000.00} Action Required : Please remove it from my credit report. 


The following account is not mine : Creditor : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$4500.00} Action Required : Please remove it from my credit report. 


The following account is not mine : Creditor : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$2000.00} Action Required : Please remove it from my credit report. 


The following account is not mine : Creditor : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$5500.00} Action Required : Please remove it from my credit report.
Product: Student loan

My loan with XXXX XXXX was disbursed XX/XX/XXXX. My payments do not start until XX/XX/XXXX. Since the disbursement I have received monthly " billing '' emails, although these emails always ( correctly ) stated that a payment wasn't actually due and any payments I make would be optional. Then suddenly in XX/XX/XXXX - two years after the loan disbursement - XXXX XXXX started showing amounts that they stated were due ( even though my repayment start date, again, isn't for another three years ). On XX/XX/XXXX they charged me a late fee, even though - again - my repayment start date isn't until XX/XX/XXXX. Because of this late fee for absolutely no reason, my credit score dropped six points ; so now I have to go through the hassle of filing an appeal with the credit reporting agencies because XXXX XXXX is trying to collect on payments that aren't even due yet. I contacted the rep at XXXX XXXX who sent me the payment due notice to ask for an explanation of what they were doing, and after not getting a response for over two weeks I then contacted the VP of customer service at XXXX XXXX, XXXX XXXX, and he also chose not to respond ( it's been ten days and counting ).
Product: Credit reporting or other personal consumer reports

I made a complaint on XX/XX/XXXX for the issue below. On my XX/XX/XXXX report all items were removed. On my XX/XX/XXXX report all items were REINSERTED for the XXXX time. At this time Equifax is being egregious and I want to seek legal action. They need to please remove all the reinserted inquiries from my report. 

Complaint from XX/XX/XXXX : I review my credit report weekly to make sure everything on it is correct. I monitor through XXXX XXXX and XXXX. On XX/XX/XXXX I only had 2 inquiries on my report as I had previously disputed fraudulent inquiries and they were ALL REMOVED in XX/XX/XXXX through a previous complaint filed with the CFPB. I have attached both reports showing the reinserted fraudulent, old inquiries. On XX/XX/XXXX Equifax reinserted XXXX inquiries from XXXX and XXXX which were previously removed after their own investigation which is a CLEAR Violation of FCRA and FDCPA. Equifax can not by law reinsert previously deleted information and continuously violate my consumer rights. I am seeking your help to make them comply with consumers laws created to protect me from these illegal practices.
Product: Debt collection

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. 

Account # XXXX XXXX XXXX XXXX  {$1200.00}
Product: Checking or savings account

I received a bank wire transfer from an investor for my business of XXXX. I only had my account for a few weeks but when I opened the account they told me it was fine to receive the transfer. Yet they closed my account without notice and no explanation to why. I set all my business transactions with this bank and I cant get any info from no one! They only told me it will take 7-10 business days to close my account and 3-5 business days to send me a cashiers check! WTH is going on!
Product: Credit reporting or other personal consumer reports

To whom it may Concern, My name is XXXX XXXX and reporting violation on my rights. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX are consumer reporting agencies and I am the Consumer. 

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

Any and all consent to Equifax, XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. 

Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states : " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX, XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

I contacted Citizens One Home Loans and spoke with a woman with the initials XXXX, on or around XX/XX/XXXX and requested the removal of my PMI. I received a letter dated XX/XX/XXXX the letter contained instructions on how to authorize and remove the PMI on my conventional mortgage loan. One of the requirements listed within the letter was ; you must be current on your monthly mortgage payments, no payment have been 30 days or more past due within 12 months, no payment have been 60 days or more past due within 13-24 months of the date we receive your request, the principal balance must meet or be reduced to 80 % of the original value. I spoke with XXXX  again on XX/XX/XXXX, I asked her If my loan is currently suspended/forbearance will it affect the outcome of my request? She assured me, being on a suspension/forbearance puts my account on hold, the payments are not past due and will not be an issue as long as the BPO comes back at {$230000.00} or higher. Having been given this information, I mailed a written request along with check number XXXX in the amount of {$100.00} to Citizens One Home Loans. Check number XXXX was cashed on XX/XX/XXXX. I was contacted by real estate broker XXXX XXXX on XX/XX/XXXX, the inspection of my property was conducted on XX/XX/XXXX. I received a letter dated XX/XX/XXXX stating We have determined that the requirement ( s ) for cancellation have not been met due to the below marked item ( s ). reason being The requirements are ; you must be current on your monthly mortgage payments, no payment have been 30 days or more past due within 12 months, no payment have been 60 days or more past due within 13-24 months of the date we receive your request, the principal balance must meet or be reduced to 80 % of the original value. I contacted Citizens One Home Loans on XX/XX/XXXX, and confirmed the deferral of payments, and also made the XXXX payment, I also requested to speak with XXXX. I was told a request had been sent to her, and she will get back to me within 24-48 hours. I never receive a return call. I left a message for XXXX XXXX in the Office of the Chairman on XX/XX/XXXX, her voice mail informs callers a call will be returned within 24-48 hours, I never received a return call from her. 
Per XXXX XXXX COVID Ref Guide ref pg 15 Borrower-Requested Cancellation of Borrower-Paid Mortgage Insurance, Mortgages restored to current status under the COVID-19 payment Deferral, the borrower must make 3 consecutive payments following the settlement of the COVID19 Payment Deferral to meet this qualification requirement.

I called Citizens One Home loans today and was told the BPO will only be good for 90 days and will expire before my qualifications have been met. I did request a refund today and was on hold for almost an hour, with nothing resolved.
Product: Debt collection

I RECEIVED AN NOTIFICATION FROM MY CREDIT REPORT THAT THERE WAS A COLLECTION PLACE ON MY REPORT ON XXXX XXXX FROM CEDAR BUSINESS SERVICES FOR XXXX. I AM UNAWARE OF THIS DEBT AND DID NOT RECEIVE THE PROPER NOTIFICATION OF THIS DEBT. I ALSO HAVE NOT BEEN GIVEN THE CHANCE TO DISPUTE THIS DEBT ACCORDING TO 12 CFR 1006.34 ( C ) ( 4 ) ( I ) DEBT COLLECTIONS MUST NOTIFY YOU WITHIN 5 DAYS OF RECEIVING AN ACCOUNT AND THIS DID NOT HAPPEN. 

DEBT COLLECTORS HAS NO AUTHORITY TO FURNISH ANY ACCOUNT TO A CONSUMER REPORTING AGENCY WITHOUT PROVIDING PROPER DOCUMENTATION AND ALL DISCLOSURES REQUIRED BY LAW AND THIS IS A CLEAR VIOLATION OF 12 CFR 1006.34 ( D ) IF YOU BELIEVE YOU HAVE SUPPLIED ME WITH THE PROPER NOTIFICATION, PLEASE PROVIDE ME WITH THE CERTIFIED MAIL RECEIPT WITH MY SIGNATURE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX Account # 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: Bank account or service

I was a CITI BANK customer several years ago. I have closed my checking, saving and debit accts. Recently, I have been receiving notices that these accts are below minimum balance I had set for them. I have complained several times but I still get theses e-mail notifications several times a week. I maintain my mortgage with Citi, but they say they have NO control over them. I have complained to Citi Bank it self and they say they ca n't locate thr origin of these messages. 

Besides being a pest I am worried that at some point they will try to get maintenance charges for theses accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Product: Credit card

My issue is two-fold : 1 ) The interest rate was raised to XXXX %!!!!! This is ABSURD on an account with a {$200.00} minimum!

2 ) The company is now going to charge {$4.00} for people who opt NOT to get email statements, continue getting paper statements. 
There has been extensive discussion on the media about credit card issues, including excessive interest, and additional fees. 

A local retailer ( Nebraska XXXX XXXX ) is offering XXXX  % next purchase if a person opts IN to receive statements via email, not by paper. 

I just had my email compromised and had to set up a whole new account, losing my old files, so am very distrustful of getting important information via email. 

PLEASE, PLEASE help us get out of this horrible loop of debt, instead of adding more and more fees!!!!! 

Thank you. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater, XXXX XXXX accounting ending in XXXX and XXXX XXXX XXXX XXXX  XXXX  ending in XXXX and any other XXXX XXXX account that is in XXXX XXXX name whom this living man XXXX : XXXX who is a secured party credit don't own anyone any debt and dont have to share my private information due t the privacy act 1974 and age of majority of all my accounts. delete all late payments off all my credit accounts 15 usc 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX corporation has violated the FDCA as outlined in XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX ( XXXX XXXX. XXXX ) which states a consumer report is a medium of communication and thus subject to cease and desist i have requested proof that this information was mailed certified information requested in good faith pursuant to rule 1002 and it was never provided this is unfair, illegal, fraudulent and not equitable to me he consumer
Product: Debt collection

repeated phone calls by computer. I would answer phone and no one would be on the line, I would have phone calls in my voicemail that no one left a message. All the calls were identified by my caller ID so I know what one 's were from the same company. after a month or 2 of this I received a letter demanding payment for a debt I didn't owe. The next time the number showed up I would answer and no one would answer when I answer the phone finally today I just stayed on the line until someone finally came on it took a while but after getting company online they said I owed money to it was confirmed that I didn't owe any money. I felt harassed by their computer calls that I kept answering when there was no one on the phone or no message on my voicemail. This could have been solved with the first call if it had been a person calling me and not a computer
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX XXXX  Account NumbeXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit card

I never received an email from the company capital one that I was apart of the class action lawsuit. I stated to them on XX/XX/2022 that I mailed them the form and they stated they never received the form and it had to have a tracking number. The form was sent standard mail. I am eligible for the lawsuit according to captial one class action lawsuit. My data was compromised and they told me they could not help me
Product: Credit reporting or other personal consumer reports

I would like this item investigated l. The inaccuracies are highly injurious to my credit score. 
Account : XXXX XXXX XXXXXXXX
Product: Debt collection

This is a debt that until recently I found out was actually under GE Capital Retail and was sold to Care Credit in 2013. I do not even recognize this debt and have tried numerous times to get this off of my credit report to no avail. I do not owe this debt. This debt is not mine and is not in any way associated with me. Also I noticed that during this period ( 2013 ) there was evidence of deceptive credit enrollment practices by GE Capital Retail and Care Credit of up to {$34.00} XXXX dollars. They are trying to collect on a debt that was probably created by them during a period of their own unlawful practices. 

See : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-ge-carecredit-to-refund-34-1-million-for-deceptive-health-care-credit-card-enrollment/
Product: Credit card or prepaid card

I received a ReliaCard from us bank for UNemployment insurance. I never filed unemployment and I dont know why I got this card. Company is not helpful
Product: Credit reporting or other personal consumer reports

Item was discharged and the Credit Bureaus did not properly verify the information according to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A and 12 CFR 1006.34 ( b ) ( 5 )
Product: Vehicle loan or lease

I, The Consumer and natural person entered in this consumer credit transaction with XXXX XXXX JPMCB XX/XX/XXXX. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but JPMCB took cash. The finance charge is supposed to include insurance but i was forced to purchase insurance separately. JPMCB sends me billing statements and making negative marks on my credit file as if i owe an alleged obligation. However the billing statements come with a positive balance, and you can not pay on a positive balance. I am being violated by JPMCB furnishing certain deceptive forms pursuant to 15 USC 1692j, as well as false and misleading representations pursuant to 15 USC 1692e ( 2 ) ( a ). By doing so JPMCB has ruined any chance of me extending credit because of this and i can not buy a house or even get a credit card.
Product: Credit card

Ensuring punctuality, I've consistently made timely payments on this account, never allowing them to slide into overdue status. I'm unsure why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, these should be rectified.
Product: Checking or savings account

My account with my bank USAA was closed due to fraud supposively. The same week I received my income tax refund. I had over {$15000.00} in my account. Now today is at {$7400.00} due to my bank taking money out of my account. My checking account is closed in a credit only status. I was told it would be closed XX/XX/XXXX. I called every other day until XX/XX/XXXX. And after several hours on the phone I was then told is was being closed and call back today XX/XX/XXXX to ensure my money was released. However, on XX/XX/XXXX Monday the next business day they opened the investigation back up and have given me a date of XX/XX/XXXX. I lost my job the week after my account closed and have been unemployed since with no work and and being a recognized XXXX veteran I have lost my vehicles and have had to file bankruptcy due to my money being held XXXX after 60 days of the agreement. It has been XXXX  days. I am just trying to save my house from foreclosure.