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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/XXXX I called in before the XXXX dollars annual fee was due and requested that my secured card be either converted ( so the fee was waived ) or that I would like the account closed. I submitted all of the information needed and was told to wait and it would take 30-60 days, I received a letter that confirmed this. It turns out there was a block on my credit report so they were unable to run my credit. I called to follow up after the 30 days had passed and only then I learned of this issue. I gave further authorization to run my credit. I asked if I should pay the now due XXXX dollar fee that had been assessed. I was told that I didn't need to because we should have a decision on the conversion before the fee becomes late. The next letter I get is that a XXXX dollar late fee has been applied to my XXXX dollar fee and I am now in collection. The day I get the letter I contacted XXXX XXXX  and they admitted that there was a snafu and after I made the payment for the XXXX dollar fee and XXXX dollar late fee I was credited back for both fees plus an additional account credit. It was also at this time that I learned that after all of the additional information given to authorize running my credit, it was never processed to have the account converted. In XXXX of XXXX I get a notification of a 30-90 day late now appears on my credit from this account and this XXXX dollar fee. I have now contacted XXXX XXXX 4+ times I am told that there is nothing they can do, I am responsible, I am deserving of this, and if I don't like it to dispute it on my credit or send a letter. I have tried to get to the executive office or a higher up office, I am told that I am not permitted to talk to anyone other than credit card service. I have now disputed the late on my credit. This bank is ruining my life. Oh, and to close my account I have to send in a fax or letter which they claim that was sent in and I had not at that point sent in a letter.
Product: Checking or savings account

I made a purchase on XX/XX/year> with XXXX named " Affirm '' using my debit card linked to my Capital One 360 Checking Account for an amount of {$64.00}. After making the purchase, i noticed i made the wrong purchase, and a few minutes later i cancelled this purchase with XXXX. XXXX provided me with a confirmation email immediately stating my purchase was cancelled and the funds would be refunded back to my account within XXXX business days. The transaction showed as " XXXX '' inside my Capital One Banking XXXX, the transaction never completely posted. I checked my account daily to see when the {$64.00} would be refunded back to my account, the last day i seen the payment pending was Sunday XXXX, XXXX 2025. I check my account today, Monday XX/XX/year>, and the XXXX XXXX is no longer XXXX, but the funds of {$64.00} was not deposited back into my checking account. To make matters worst, the transaction is no where to be found on my Bank statement inside my Banking XXXX. I contacted Capital One customer service via telephone, and after speaking with XXXX agents, they were unable to verify this transaction at all. They don't have a record of the original charge, nor do they have a record of the transaction pending for the past 6 days. No one at Capital One can give me a explanation of where my refund is, or why they don't have a record of it. The agent advised me he will be putting in a investigation which could take up to 90 days. I also contacted the merchant XXXX to confirm the refund, they advised me that they never received the funds due to me cancelling the payment, which is why it showed as " pending ' through my bank. But now Capital One has no legit explanation on why i don't have my refund, and why they don't have a record of the original transaction, or the pending transaction.
Product: Mortgage

My loan is serviced by US Bank loan number XXXX and is escrowed for home owner insurance. I have never been late. I received notice that my insurance policy was about to expire I contacted US Bank directly and ask them to pay the amount of my insurance it was due immediately they indicated that they could not make payment until they received the new policy to see if there were any changes. I called the insurance company to ask them to submit the renewed policy they indicated that they can not submit the new policy until payment is made which makes total sense. I called back to US Bank and explained what the insurance company told me they said that my agent needed to send them electronically through their website an invoice and a copy of the declaration page this all occurred on XX/XX/XXXX days after my policy expired. My agent did send the information as requested. On XX/XX/XXXX I received in the mail a letter from US Bank indicating that my policy had expired and they were going to force place insurance at a significantly higher cost. I again contacted US bank as almost 2 weeks had passed from my initial communication with them and they indicated again they could not make payment without receiving an invoice. I have had many other mortgages all of the service service worked directly with the insurance company to affect the payment in a timely fashion I was caught in a catch 22 and extremely frustrated and afraid that my Policy had expired. In an effort to ensure that I still had coverage I went online to the insurance companies website and paid with my credit card which also included an {$85.00} processing fee for online payment I then had to provide proof of this payment to US Bank which is now making a duplicate payment directly to the insurance company which the insurance company will have to process to issue me a refund. All of this seems so frustrating and unfair as I feel I have done my part in making my payments in a timely fashion and it is my services responsibility to use my escrowed funds to ensure payment. This all seems like an unfair and abusive practice and at minimum is a disservice to the customers they are servicing.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My SSN # XXXX. Date of Birth is XX/XX/year>. 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed XXXX XXXX to any credit Bureaus or reporting agencies. I do not consent or give direct permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified XXXX, XXXX and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a XXXX XXXX. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citizens Bank has just falsified information, which in their enclosed response letter they said, " Please be advised, Citizens is required to furnish accurate information to the credit bureaus. '' Citizens noted that I gave them a card that was expired. This statement is entirely false. I would never do that, and it is not in my nature. I do not practice fraudulent behavior ( my credit report reports can prove that ). Instead, The XXXX representative entered the wrong expiration date, so the payments were not going through. I have bank statements from that credit card company ( XXXX, which I provided ) showing XXXX charged me every month since opening the account. However, the payments did not go through for Citizens Bank because their expiration date on file was incorrect. 

Also, the messages they claim to have sent were automated monthly text messages containing NO account details. I still get the same message to this date ; " Citizens Pay : For more information on your Citizens Pay Line of Credit for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' I uploaded those pictures. Then when you click on the link, it takes you to the sign-in page and then to the home page. There is no indication that my account was delinquent, and I have NEVER been late on a payment for any of my accounts. My credit history can prove that as well. 

Therefore, once again, this is not my fault. This business is fraudulent and impossible to deal with, and they have no remorse and can't even admit that it was Citizen 's fault. ]
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report, Ive found that payment history is being reported on this account. Transaction history between the consumer is to be excluded from the report and it has adversely impacted my ability to obtain credit. 
According to 15 USC 1681 2a ( I ), under the exclusions section, the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As it relates to my consumer report, the data was furnished from the same data furnisher, yet inaccuracies can still be found on multiple accounts. I request that these accounts be removed from my consumer report to ensure maximum accuracy and fairness, guaranteeing the right to obtain credit. And according to the IRS, a charge off is a certificate of indebtedness, that was reported as income on my income tax returns. Income is not included in the consumer report.

15 U.S. Code 1681a - Definitions ; rules of construction ( D ) consumer report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
15 U.S. Code 1681e - Compliance procedures, states that ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Checking or savings account

I was told that this account tracks your spending if you use your debit card for purchases or paying bills. However I paid my bills on a XXXX  and I could see the transactions post on my account and be deducted from my balance. So on the next week I was at a casino and checked my balance and it gave me the available balance, however the next day my account showed as being overdrawn. I called and they stated that even though items looked like they were deducted from my account, they have a process on the back end that the merchant has to complete and if the merchant doesnt complete the transaction then the money posts back to the account. So the money that showed as available no longer included the bills I had paid, so the next day the merchant completed the process causing my account to be overdrawn. As the consumer I wasnt aware of this process and relied on the fact I was told I no longer needed to track transactions using my debit card, but based on this process you do have to manually track transactions. It might have been a good idea to notify the customer that funds would be posted back to your account and not clearly free. My account is now closed because I couldnt replace the funds.
Product: Credit card or prepaid card

Total Card XXXX called me three times in one day regarding a payment I had already made. On the last call, the agent acknowledged the payment but refused to acknowledge any wrongdoing with the multiple calls, instead saying it was my fault for not picking up the phone. Typical super rude customer service from a sub-prime financial institution that would have the consumer believe they have no options.
Product: Credit card or prepaid card

On XX/XX/2019, I reached out to American Express for a second time do to payment issues and was forced a second time to call my bank on three-way with them. The representative from American Express placed me on hold to call my bank, and then proceeded to use my social security number and other personal identification to log in to my bank account through my banks automated system without my permission. The representative should not have used my information to access my account without my permission, instead they should of three-wayed me in to allow me to enter that information. I am frustrated and concerned because I have to go through this process every single time I make a payment indefinitely and I am concerned that American Express employees are going to continue to access my banking information with my personal information without my permission. I asked to speak to the manager, who said she agreed with my concern then proceeded to brush me off. I would like to know what American Express is going to do to protect my identifying information going forward, since they insist I call every time I make a payment.
Product: Debt collection

On XX/XX/2020 I saw that this company called Medicredit INC NC was reporting to my credit. I have no idea how Medicredit INC NC obtained my personal information. I sent Medicredit INC NC a letter received on XX/XX/2020 with 15 days to respond as to why Medicredit INC NC feels like I owe them anything. I have not received a response and Medicredit INC NC is still reporting on my credit. Medicredit INC NC actually ignored my letter then updated their account on my credit. I found out that Medicredit INC NC are debt collectors and they have been proven to violate their alleged clients rights. They are known to continuously violate HIPPA laws also. I have not agreed to pay this company for any services nor have I received any services from Medicredit INC NC
Product: Credit reporting, credit repair services, or other personal consumer reports

Intent To Sue Contacted Equifax multiple times concerning XXXX XXXX and XXXX continues to allow this company to report inaccurate and knowingly false accounts on my report this damaging my credit and ability to obtain financing. 
These account have been removed from XXXX and XXXX   because they did a proper investigation. Ive attached proof of removal from both bureaus below How could you verify account if 1. XXXX couldnt with the same 30 days you were provided 2. XXXX couldnt with the same 30 days provided 4. XXXX cant provide any legal signed documentation Requested documentation from all investigations but upon all verified investigations nothing verifying debt has ever been provided. Equifax stated in a cfpb complaint they were investigating said account but it was stopped per your website with out reason and not being investigated as stated. All documentation will be used to prove Defamation and Perjury!. 
Provided ample time to investigate under FCRA. Your Company continues to violate my consumer rights and section 609 611 612 616 and 617 of the FCRA. 
This is not a warning this is intent to sue for violation, and defamation. This will no longer be tolerated. Your company has 30 days to correct issue meaning provide documentation your company suppose to keep on file. Delete said accounts immediately or civil lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an Identity Theft Report done and sent it in to the credit bureaus and they would not remove the information that was incorrect. 

( Derogatory Marks ) XXXX XXXX- Opened XX/XX/2021, for {$580.00} ( Inquiries ) XXXX- XX/XX/2021, and XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 accounts on my credit report that aren't mine ...
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX  these companies fail to have the hard inquiry removed, these was taken place before XX/XX/XXXX and now its XX/XX/XXXX and these companies still putting a hard inquiry on my credit reports the items has not been removed
Product: Credit reporting, credit repair services, or other personal consumer reports

When I went to the dealership they ran my credit multiple times even though I already had an approval from XXXX on XXXX, XXXX. All these inquires are fraud! I listed them below. 

XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX Their is a total of 8 fraudulent hard inquiries on my Equifax credit report. By law they must be removed.

Attached is my police report showing I have reported these inquires and XXXX headquarters has already taken action against the location that ran my credit without my consent. bellow are other hard inquires that I did not authorize making them also fraudulent XXXX XXXX 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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for 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
Product: Credit reporting or other personal consumer reports

on XX/XX/2023, I file disputes with XXXX, XXXX, and Equifax regarding accounts showing balance 's after filing XXXX  XXXX bankruptcy in the northern district of Illinois i have sent a total of 9 disputes to XXXX along every time I would receive letters stating that all accounts were verified as accurate. On XX/XX/2023, I went to the bankruptcy clerk in person I was inform by the clerk that the court or pacer dose not report to XXXX, XXXX or Equifax and XXXX also I was inform the clerk dose not verified any information to the credit reporting agencies. on XXXX XXXX I send a dispute to XXXX requesting their method of verification and XXXX XXXX XXXX and Equifax letter dated XX/XX/XXXX, XXXX have sent a total of 9 disputes to XXXX. please see all the Exhibits with this complaint. These companies do have respect for the Fair Credit Reporting Act 15 U.S.C. 1681 I ( A ). 15 U.S.C.1681 N, 15 U.S.C 1681 O continued willful and negligent noncompliance with FCPA . all 9 disputes are dated as follow XXXX XXXX, XXXX XXXX XX/XX/2023, XX/XX/2023. XXXX XXXX XX/XX/2023, XXXX letters dated XXXX & XXXX XXXX. almost 7 months of disputes '
Product: Vehicle loan or lease

Completed payments of Chase auto loan as agreed as XX/XX/2021. Had not received the title to my vehicle. Made numerous attempts to resolve the situation with Chase directly, but had been unsuccessful. Chase agents simply refer me to XXXX and the XXXX agent state the is a lien on the vin number.
Product: Payday loan, title loan, or personal loan

I have a personal secured loan with Navy Federal Credit Union, originated in 2018. Since that point I have been mostly current with the loan, missed a payment or two due to employment or XXXX and had a couple of temporary month or two deferrals during the life of the loan which I was told would extend the loan by that month or two. 
I have a buyer for the RV who has been renting it and has been faithful. I need to get him a purchase price. When I looked at the balance it had not been reduced by much. After 4 + years the loan has only been reduced by approximately XXXX in principal. I have asked the Credit Union multiple times through my online account to please call me to discuss. I had them send an amortization schedule which shows a near two year period of time when payments were being made but nothing was being credited to principal, all was going to interest. I have asked a CPA to look at this and he is confused. Noone has called me, they only have said that 'at the beginning of a loan, payments mostly go to interest, to which I of course agreed BUT please look at the amortization schedule, it makes NO SENSE. An online tool at www.bankrate.come shows if I had made all payments and no deferrals were given would have the balance at approximately XXXX not XXXX.