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

I have contacted XXXX, XXXX and Equifax about false, inaccurate reporting in formation on my credit report. I have sent in multiple certified letters to get this Information removed from my credit report. They have said the information was verified but in accordance with a CFPB complaint I did directly with the reporting company this account is in a cease and desist and should be deleted from my credit report immediately. 


CFPB Complaint Number : XXXX Company 's Response XXXX XXXX XXXX reviewed and investigated the complaint. XXXX XXXX XXXX is a third-party debt collection agency acting on behalf of the original creditor. We did not purchase this debt. According to the original creditor, this is a valid debt. XXXX XXXX XXXX updated XXXX XXXX dispute and notified the credit bureaus as required by law. We requested verification of the debt from the original creditor and will mail a copy to XXXX XXXX upon reception. We updated XXXX XXXX account to cease and desist further communication regarding the matter, pursuant to her request. Aside from mailing her verification of the debt as she requested, XXXX XXXX will not receive further communication from XXXX XXXX XXXX regarding the matter. XXXX XXXX XXXX wants to help bring resolution to this matter. If XXXX XXXX has any questions or concerns, she can contact me directly. My name is XXXX XXXX, I can be reached toll free at XXXX extension XXXX or emailed at XXXX. Thank you for your assistance and resolution regarding the matter.
Product: Checking or savings account

Ref : XXXX my initial complaint was not resolved : problem : A. Falsely reported my account was closed due to FRAUD ( misleading and not true ) B : reported to early warning credit.

C. Reported a discrepancy charge ( that should of been refunded back to my account, but BofA decided to take the side of the person I was disputing the charges with '' related to my son 's basketball fee to play basketball on a team that he never played for. ( We only did a few practices then decided not to move forward. 
D. My XXXX olds sons account was comprised this was documented and reported to bofa : the check signature is not my son 's ( this was all documented and reported ) E. Due to misleading information, I can not open a traditional account for a 7yrs F. This is discrimination, i would like this resolved and correspondence email back to me & CFPB with a resolution to restore checking account, i opened my account in XXXX and have never had such problems :
Product: Checking or savings account

I was advised that I needed to open a XXXX XXXX  account as an adjunct to free " green light '' kids banking sub-accounts. This was solely to facilitate access to receive this service advertised as free. Chase has charged monthly service fees of {$12.00} per month, and upon being notified of the error refused to refund charges and/or correct account settings. Combined balance in this account and sub accounts are over {$1700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are failing to remove inquiries that are not mine I have already disputed with them even sent in ftc report and they refused to remove them which is negatively effecting my credit report the inquiries are attached below as well as h The ftc report
Product: Checking or savings account

XX/XX/XXXX at XXXX XXXX, deposited a check for {$2200.00} in ATM Chase Bank XXXX XXXX XXXX. XXXX CA. Machine malfunctioned and printed a message saying I should call XXXX to see if deposit went through. Sequence # XXXX No copy of check was produced ( I have only the stub ). 
Phone call was ineffective. Walked into bank where banker ( XXXX? ) spent about 1/2 hour with me, told me I was the third person in the last 1/2 hour with this problem. She told me the ATM complany/Chase will not allow them to post a note on the machine warning people that the machine was malfunctioning, as the policy was that would look " unprofessional. '' She called in my matter, and affirmed me that my check would be credited by that evening. 
It was not. 
Today XX/XX/2020 I responded to an email from Chase telling me to call to answer some more questions. I called. They had no questions, but when given the claim alert number XXXX, asked if I was " the one who made the withdrawl. '' ( I made no withdrawl ). Then he asked was this about " two checks ''. ( No, only one. ) He told me " The back office needs more time to find the check '' and he told me there is no report of an malfunction of the machine. He told me there will be a " delay of a temporary credit '' perhaps more than a week ( more ). He said the machine had not yet been opened,  and he did not know when it would be opened, and I would just have to wait. 
This is not OK. 
I called the branch and was told that if I went back in person they would work on it, and that they DID have several other people with difficulties with that machine and difficulties moving forward with the credit process.

Fortunately, I live fairly close by. What if I was no longer in the area of the branch bank where I had made the deposit?

My bank account is in need of the {$2200.00}. Chase has had the check for 5 days. Chase can not tell me when the ATM will be opened to locate the check. 
Is this legal? 
XXXX XXXX XXXX
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 Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXXXX/XX/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 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 reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

First, I am again for the 11th time ( 1st complaint # XXXX XX/XX/XXXX, 2nd complaint # XXXX XX/XX/XXXX, 3rd complaint # XXXX XX/XX/XXXX, 4th complaint # XXXX XX/XX/XXXX, 5th complaint # XXXX XX/XX/XXXX, 6th complaint # XXXX XX/XX/XXXX, 7th complaint # XXXX XX/XX/XXXX, 8th complaint # XXXX XX/XX/XXXX, 9th complaint # XXXX XX/XX/XXXX, 10th complaint # XXXX XX/XX/XXXX ), writing CFPB because of the BULLYING tactics of Select Portfolio Servicing , inc . In the last writing to CFPB I wrote about the ERRONEOUS AND INTENTIONAL MULTIPLE POSTINGS OF NONPAYMENTS to my account. I have not missed a payment since the beginning of a forced into and account transfer of my account to Select Portfolio Servicing , inc . THE RESULT, THROUGH CFPB, OF THE LAST SET OF HARASSMENT WERE SELECT PORTFOLIO SERVICING, INC. CORRECTIONS MADE TO MY ACCOUNT. Again, I have not missed one payment since Select Portfolio Servicing, inc. corrected my account ( NOT COMPLETELY CORRECTED ), and I have continued and consistent proof. With that noted, Select Portfolio Servicing, from the date of said corrections, has added erroneous multiple months of no payments to my account, as I pay each month. Select Portfolio Servicing is again for the 11th time using the same bullying and harassing tactics, with a letter of default and placing blatant notes on the door of my property. They have ignored the corrections and are again threatening me with these same bullying tactics to FORCE me to refinance with them or sell my home! 
Second, my interest rate has not decreased since I began this loan .... I am called constantly and asked the question, " Why my interest rate is so high when the current interest rate is lower and/or why has this company not offered me the current or a reduced rate. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute several items that appear on my credit report. After reviewing my credit report, I have identified several inaccuracies and unauthorized inquiries that need to be addressed as soon as possible. 

Firstly, I noticed that my personal information is incorrect. Specifically, my previous addresses were reported incorrectly. The addresses listed on my credit report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but I have never lived at either of these addresses. 

Additionally, I have no recollection of authorizing credit inquiries by several companies, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many others. These unauthorized inquiries are damaging my credit score and I demand that they be removed immediately. 

Furthermore, I have noticed that some accounts on my credit report have incorrect information, such as late payments and incorrect balances. Specifically, account number XXXX with XXXX XXXX XXXX XXXX is reporting incorrect late payments, which have not been updated. I demand that these incorrect late payments be removed from this account immediately. 

Accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX need to be verified and corrected or deleted from my credit report. 

Lastly, I do not recognize the accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never had any business relationship with these companies, and therefore, these accounts are not mine. Account number XXXX with XXXX XXXX XXXX XXXX and account number XXXX with XXXX XXXX XXXX XXXX should be removed from my credit report immediately. 

I understand the importance of maintaining a good credit score and I hope that you will take the necessary actions to correct these inaccuracies and remove any unauthorized inquiries from my credit report. I appreciate your prompt attention to this matter and look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I haven't had any success with updating/correcting my personal information with the three credit bureaus, XXXX XXXX, and, Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some body run my credit with out my knowledge here is the date and company XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX NAVY FCU XX/XX/XXXX NAVY FCU XX/XX/XXXX NAVY FCU XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

I sent acceptance for value on XX/XX/year>, I sent affidavit of truth, along with Cease and desist. I wrote all codes dealing with information. Capital one closed my account XX/XX/year>.
Product: Mortgage

We have been unable to obtain a monthly mortgage statement from Seterus for over 2 years. We are presently in a financial hardship due to XXXX and any assistance programs require a statement. We have contacted Seterus numerous times by phone to request a statement by mail, fax, email, Fed Ex, or whatever possible means. They state they have submitted the request, but nothing happens. They have blamed the XXXX Postal Service, but we have lived in our home 20 years and receive plenty of mail. We have received other documents from Seterus such as tax documents or notices sent by certified mail. They are completely incompetent. I just want a statement as is my right as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  are reporting incorrectly medical collections/charge-offs. Please see attached spreadsheet with account numbers and balance due. I have also attached a copy of my credit report for reference. These account balances need to report a {$0.00} balance and {$0.00} past due. I have insurance with XXXX. I have attached a copy of my insurance card as well. The insurance company did not file the claims even though they are contractually obligated to do so. Their lack of due diligence has consequently caused the accounts to go delinquent and report late with a balance due. This negative reporting is seriously harming my credit score and these accounts need to be reported accurately. I have contacted the ( 2 ) bureaus to remove these items however, I have not been successful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Federal Trade Commission XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Violation of 15 USC 1681 - Accuracy of Reporting by Experian Dear XXXX, I am writing to formally report a clear violation of the Fair Credit Reporting Act, specifically 15 USC 1681, concerning the accuracy of reporting by Experian. 

I had a credit card account with XXXX XXXX XXXX  for over one year, which had a positive impact on my creditworthiness. However, I recently discovered that this account has been deleted from my credit report without any prior notice or justification. As per the regulations, a reporting agency is prohibited from removing a verified account from a credit report. 

I have attached my credit report from XXXX for your review. Please take note of the open and closed dates associated with this account. The deletion of this account is not only unjust but also detrimental to my credit score and overall financial health.

I kindly request that you investigate this matter and take appropriate actions against Experian for this violation. 

Thank you for your attention to this important issue.
Product: Credit card

On XXXX XXXX, 2015, I took advantage of a promotion in the Macy 's men 's department at their XXXX, OR store where I would receive a XXXX % discount if I opened a revolving charge account. So I did, and promptly paid the full amount of the charge right there at the checkout stand. Several months later, I receive a statement that I owed more than {$500.00}. Upon investigating, I discovered that the account was charged XXXX for the same purchase. Once at the discounted price of {$390.00} that I paid on the spot, but then the charge at the full price of {$480.00} was also added for the same transaction. I never received a statement until several months later to discover the account had been referred to collections and more than {$100.00} in late fees and interest were also added. After trying for several weeks, and speaking to dozens of customer service representatives, I am compelled to file a formal complaint against Macy 's and their predatory credit practices. They lure customers to open usurious revolving charge accounts with discounts at the time of purchase only to rip-off consumers with false charges to their accounts and then charge outrageous late fees and penalties, referrals to collection agencies, and incur deleterious impacts to their credit scores without providing consumer-friendly, effective means to redress the problems.
Product: Debt collection

I received three different third party companies trying to get information debt a debt with different account numbers which I have no accounts from I'm like who are you and how did you get my information I had no business with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy a car today XX/XX/19 and when they ran my credit to check if I qualified for the loan I was told that I did not get approved because there were accounts in negative standing on my credit report. When I looked over those accounts I told them that none of those accounts were mine. I did not open any of these XXXX  accounts and I never gave anyone permission to open these accounts in my name. I think a person named XXXX  XXXX XXXX opened these accounts. I already filed a police report ; I did not benefit anything at all from this nor did I ever make any purchases or payments towards these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 

{ dispute_item_and_explanation } XXXX XXXX XXXX Account Number : XXXX { dispute_ Inquiries XXXX XXXX XXXX XXXX XXXX  ; XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Several times during XX/XX/year> I've tried to pay my account online. There is an error where they have my bank account listed twice ( their error ), so I can't make a payment online. I've reported this multiple times with no resolution. Very poor customer service.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report Despite my submissions Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes Furthermore Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts in question : XXXX XXXX balance of {$75.00}
Product: Student loan

As you are aware, FedLoan Servicing, the plan administrator for the debt forgiveness program created in XX/XX/XXXX, may not be honoring its commitment to forgive student loan debt after 10 years of ( employer certified ) public or nonprofit employment - just as the 10 year requirement has been met by borrowers. The Department of Education has suggested that " borrowers could not rely on the program 's administrator, FedLoan Servicing to say accurately whether they qualify for debt forgiveness. '' The article goes on to say that thousands of approval letters sent by FedLoan Servicing are not binding and can be rescinded at any time. Neither FedLoan servicing nor the Department of Education is offering any explanation, according to an article in the XXXX business section dated XX/XX/XXXX. 
My concern is heightened by the Trump 's administration 's desire to abolish the CFPB, leaving borrowers without any recourse or protection. 
I am equally concerned that the Income Based Repayment ( IBR ) program will be discontinued. As an enrollee in the IBR program and an employee of a XXXX, my monthly payment was reduced from {$740.00} to {$130.00}.
Product: Credit reporting or other personal consumer reports

As a furnisher it is your responsibility to notate when an account is in dispute. I have disputed the following account for XXXX months now and you have failed to notate in the comments. As a result, you are obliged to remove this account from my credit report IMMEDIATELY.
Product: Checking or savings account

I reached out to US Bank on XX/XX/XXXX trying to figure out why my check was on hold. I called twice. Both times, they informed me that they have my check placed on hold until XX/XX/XXXX. 

I asked them why they made {$220.00} available the first day, but then, took away that {$220.00}, and put my account in the negative. They didnt give me any information on why. 

I asked them repeatedly if they will charge me overdraft fees. Both of the customer service representatives told me I wouldnt be charged any fees. One customer service agent connected me to the fraud department to ask if I could get my funds released. 

The fraud department refused to release my funds, and, they ensured me that I wouldnt be charged any overdraft fees since my account wasnt opted in for overdraft. 


Over the course of this week, US Bank proceeded to go against their word, and the law, by authorizing overdraft transactions that my account isnt opted in for, and now, theyre trying to charge me fees for not having an available balance to cover it. You see the issue? US Bank gives me {$220.00} out of a {$1200.00} check to spend. I spend roughly {$180.00} out of the {$220.00}. A day or two later, US Bank puts the entire check on hold, effectively bringing my balance into the negative. US Bank then authorizes overdrafts on an account that isnt opted into overdraft. US Bank then goes against their word & the law by charging a client overdraft fees when an overdraft transaction was never authorized to occur in the first place.