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

Please be advised that this is not a request for an investigation, but lawful written instructions and permissible purpose of a consumer report by the consumer to whom it relates Pursuant to 15 USC 1681b ( a ) ( 2 ). Pursuant to 15 USC 1681 a ( e ) an Investigative Consumer Report is defined as a consumer report or portion therefore in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not included specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I DO NOT CONSENT TO ANY INVESTIGATION as it is my RIGHT pursuant to 15 USC 1681d ( d ) ( 1 ). I will also make known at this time that EQUIFAX can not lawfully verify anything contained in my consumer report. The lawful definition of verify means to confirm or substantiate by oath or affidavit ; to swear to the truth of. Any information contained in my consumer report that EQUIFAX verifies, must be done so under oath in the presence of a Notary. EQUIFAX is a corporation and lifeless, soulless, entity, it does not have the power to verify any information. If ant agent acting on behalf of EQUIFAX assumes the responsibility of verifying any information contained in my consumer report it must be done so having first-hand knowledge of such experiences, under oath and the penalty of perjury. Enclosed you will find a notarized Affidavit of Truth accompanied by exhibits. The following accounts and inquiries are being reported unlawfully pursuant to 15 USC 1681a ( 2 ) ( B ) -Exclusions-.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. A credit card as defined pursuant to 15 USC 1602 ( 1 ) means ANY CARD, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. All accounts and inquiries listed were initiated and originated using my social security card which is a credit as defined by Congress under Title 15. They must be deleted immediately along with all old or inaccurate information. This is written instructions pursuant to 15 USC 1681b ( a ) ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously entered the referenced complaint below. In response, Trans Union alleges they conducted an investigation whereupon the results indicated a bankruptcy filing was identified.

Trans Union failed, as they have in the past, to conduct a thorough investigation beyond identifying that a filing had occurred. The law is clear. There was no adjudication and the case was dismissed. There is no ORDER of Relief. Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, Trans Union must delete this information from my credit report and send me an updated copy when this action is completed.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Trans Union continues to list a dismissed bankruptcy as confirmed within my credit file. Although it is Trans Union 's policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. However, the law clearly states from " date of adjudication '' or date of " order of relief ''. Neither occurred in the bankruptcy that Trans Union continues to report. Any case, civil or otherwise, which is dismissed never existed in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, Trans Union must delete this information from my credit report and send me an updated copy when this action is completed. Trans Union has already reported this on my credit report for over seven years... enough is enough. Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this complaint and please provide me an updated copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 a credit card account with XXXX XXXX XXXX XXXX. I didn't open this account> It has already been settled and closed. However, there is still the hard inquiry showing on the Transunion credit report. I would like to have this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

I opened a US BANK account that with the promo code XXXX. This promo code promised a {$200.00} account bonus for opening a elite money market account. I have attached the terms of this promotion as an attachment. 

In XX/XX/XXXX, I called a couple days after my account was created to verify that the account had the promo attached to it. I was told that the promo code was attached to it. In XX/XX/XXXX, I called again to verify the promo code was attached to my account and the customer service representative said that the code was not attached to my bank account. Therefore US BANK would not grant me my bonus that was promised at account opening.
Product: Credit reporting or other personal consumer reports

Hello, I am writing you with deep concern of an item that has been in dispute with XXXX XXXX since XX/XX/2024. XXXX XXXX reported XX/XX/2024 payment as late to the credit bureaus, however, the payment to XXXX XXXX was made on XX/XX/2024, with a due date of the XXXX of every month. Thus, the payment was made within the 30 day period. 

While severe financial circumstances caused me to pay late the previous months 4 months, I was certain to make sure XX/XX/2024 was paid within the 30 day period to decrease the negative effects on my credit. This was in fact paid on the XXXX day from its due date, still within XXXX XXXX grace period also. 

The proof is attached on my payment records to XXXX XXXX. 

Please assist me as the dispute has continuously been rejected/denied by XXXX XXXX and Credit Bureaus . 

Thank you, XXXX XXXX
Product: Mortgage

First, some background : I originated my conventional mortgage in XX/XX/XXXX. The mortgage requires taxes and insurance to be escrowed and has been serviced by PHH Mortgage Services since inception. I have never had a late payment since inception. 
I have had an escrow disbursement sent each year in time to pay the Property Tax in the year in which it is billed. This has not changed since the loan was originated. 
In early XXXX, PHH sold my mortgage to XXXX, but PHH retained the servicing rights. In XX/XX/XXXX, I received a mailing from XXXX  c/o PHH requesting me to indicate my preference for payment of my property taxes. I returned the form letter on XX/XX/XXXX via FAX indicating my preference to retain my standing practice to pay in full each year, when billed. 
On XX/XX/XXXX, I checked the status of the escrow online and saw no indication that the payment was made or pending, so I called the Customer Service at XXXX/PHH. They told me XX/XX/XXXX was not a timely response and that they could not initiate a payment in XXXX ), but would submit a request to expedite. 
On XX/XX/XXXX, the online portal showed there were three installments scheduled for XX/XX/XXXX, XX/XX/XXXX. and XX/XX/XXXX ( changed from XX/XX/XXXX status, but incorrect per tax bill requirements ). I placed another call to PHH Customer Service. I spoke to a XXXX, who explained that XX/XX/XXXX was after their deadline and they could not issue a payment in XXXX. I asked to escalate the call and after TWO hours was connected with XXXX ( employee ID XXXX ). XXXX familiarized herself with my issue and put me on hold to check what could be done by contacting the Tax Department. After a reasonable delay, she reiterated that they could not issue a payment in XXXX as I had missed the deadline on their form letter. She was not able to offer any further level of escalation for the supervisor of the Tax Department or their supervisor. She was only able to offer a PO Box to which I could send a written Notice of Error. There was no email or fax option that could address the issue in a timely way. 
The impact requires me to front {$8700.00} out of pocket to pay Property Tax in order to include in my XXXX income taxes. This doubles the funds that I've already contractually placed in escrow with this mortgage servicer, who is unwilling to send payment within a 30 day window ( from XX/XX/XXXX written direction ). This is at best willful incompetence and at worst, a deliberate fraud committed by a fiduciary to the consumer market. 
My issue : This organization instigated a process that required a response from me on a timeline that, absent my response, changed my standing direction on tax disbursements. I believe this is a deliberate strategy to hold thousands ( or millions? ) of consumer escrow payments in this way to create a financial benefit in favor of PHH to the detriment of consumers. I request that the CFPB investigate this as an example of what I believe to be a deliberate fraudulent scheme by a fiduciary.
Product: Bank account or service

I was charged an overdraft fee on my checking account when it was not overdrawn. I also do not have overdraft protection. I called the bank to have it removed and they refused to even though my account was never overdrawn. This bank has very aggressive practices with regard to overdraft. They said the fee was for a pending transaction that had not been presented to my account for payment yet. This is one of the most ridiculous things I have ever heard. I have an attatchment of the exerp of my statement that contains the questionable practice by this bank. In it you will see that my account is never overdrawn except for when the fee was charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never contacted or communicated about this debt account being charged off. When I disputed this account with XXXX the creditor returned and updated information therefore admitting error on their original credit reporting. The account was never removed as per my request in the original dispute. The collection agency never reached out to contact me about the debt. When I called to find out how to solve this debt, it had been sent to an attorney. Calling the office took more than XXXX calls to reach a person and so I emailed them stating my issues with the debt and never received a reply back for over XXXX days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is currently reporting to the XXXX credit bureaus that I applied with your organization. I did not XXXX you authorization to review my credit report
Product: Credit reporting or other personal consumer reports

I wanted reported accounts removed from all creditors ( Equifax, XXXX, XXXX ). These are the accounts that are inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX Bankruptcy Docket XXXX, XXXX XXXX XXXX & XXXX XXXX
Product: Debt collection

I am not aware of this debt nor do I believe I owe this debt. I disputed this with the credit bureaus and they refuse to remove this from my credit report, The company failed to provide debt validation for this account.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX. Account # : XXXX XXXX XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a leased XXXX. I am never late. Covid caused XXXX to place accounts in limbo and payments showed XXXX due. As I do not like to miss payments, I nonetheless made a payment in XXXX for two months and mailed it in to their address since it showed nothing due online. See the copy of the payment I just scanned into my computer. Instead of posting this payment, they have reported me late. I am aghast and I never miss a payment. I will now pay the entire amount allegedly due from their website to stop further incorrect and negative reporting. 

Please note it's an XXXX lease it's apparently serviced by VW credit. It's even more aggravating considering we are all facing a plague and they unilaterally showed a XXXX balance for months and no payment due and then, in what appears like a self-fulfilling prophecy for financial gain, report you late and fail to post your payment. 

Most egregiously they fail to send any communications to account holders regarding how they are handling the plague or alleged late status. 

Ugh. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letter of dispute of inaccurate items contained in ccredit report on XX/XX/2020. As of todays date XX/XX/2020 I have not recieved any corespondence from the credit bureau. This is well over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters asking for validation and the method of how they validated multiple accounts and questionable items on my credit report. the items that are listed on my credit account shows different balance and dates which are not matching and have not received back anything in over 45 days for these accounts that are clearly inaccurate accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused big stress in my life. The most recent certified letter I sent was XX/XX/2023. 
XXXX The following information is being reported incorrectly. 
Date of last activity shows 3 different dates, and it shows that two different companies owe the same amount. With two different balances. 
XXXX XXXX Shows two different original creditors that are not matching. 
XXXX XXXX shows account status open and the other say closed that's inaccurate. information XXXX shows 3 different dates XXXX- shows 2 different balances XXXX XXXX 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.

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

There is an account from XXXX XXXX that is listed that says I have multiple missed payments for AFTER I returned my lease to XXXX. I returned my lease in XXXX of 2018. Those missed payments are all for after my lease was returned to XXXX.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX # XXXX -- IDENTITY THEFT XXXX  XXXX  # XXXX -- IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft on my credit report I would like the items removed. It is unlawful to report any fraudulent information on my credit report, thank you.