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

After waiting over 90 days for a response, they send a template response back that I should wait LONGER. This is unacceptable. The FCRA gives them 30 days. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance and more. There is too much going on right now to request a consumer to wait EVEN LONGER than federally mandated. The FCRA was created for a reason. They are to follow it. Every item should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries XXXX  XXXX XX/XX/XXXX FNB Omaha XX/XX/XXXX Disputed with companies, no open accounts associated with these inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.
Product: Credit card

I contacted Kohls in regard to my checking account being compromised and wrote checks on my account to pay for purchases and the checks had returned on my Kohls credit card I informed the company of the information and my account closed without my knowledge after I informed the company to rectify the issue and the account kept accrue interests and late fees even after it was closed and Kohls failed to contact me to help me resolve the issue
Product: Vehicle loan or lease

I need these hard inquiries disputed from my Experian XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020. I received email saying that my disputes were open and that some were updated. So basically Im back at square one again! For instance which I think is a violation of law because experian specifically responded to my complaint with the CFPB Complaint number XXXX which I have attached to this complaint that they were in process of blocking the pending disputes per identity theft report. So they blocked the XXXX XXXX  and the XXXX XXXX XXXX on XX/XX/XXXX per report number XXXX. I just dont understand. How can a problem be fixed when they are giving out misleading information to even the CFPB? This is clearly wrong! I have somewhat basically the problem with the other 2 bureaus. One telling me one thing and the other doing another. I called XXXX yesterday and they had updated my name and then tell me based on my social security number they cant find my file. Are you serious? This is a joke! I intend to sue soon. This doesnt make any sense. This is just one incident Im able to prove. But they all have employees who do this. These people needs to be reprimanded. Especially the ones in high position within these companies and then I got hung up on with XXXX special handling department. I asked for the supervisor he claimed to be one. Just tired Im not calling them anymore Im just gon na sue. To many hours put into this and spending money on credit repair and credit monitoring. What for?
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX has violated my rights. Or 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: Debt collection

Navient has been garnishing my XXXX payments for 5 years. I would typically receive XXXX dollars a month but have been surviving on XXXX dollars a month. I have called and spoken to them about the amount they are taking because I am barely able to support myself and my kids. I have been declared XXXX since XXXX and when contacted by them I explained my situation but they never offered me any relief or options. Just forbearance and deferment actions. I now am in a loan rehabilitation program with XXXX XXXX but now am receiving letters from a NEW company wanting to collect the original amount due on my loans from XXXX! So, I have been forced to pay over XXXX dollars to nothing and now my accounts are with a new agency??
Product: Credit reporting or other personal consumer reports

I AM VICITM OF AN IDENTITY THEFT, PLEASE ACCEPT MY TRUE STATEMENT. FOR YEARS NOW I HAVE TRIED NUMEROUS TIMES TO RESOLVE THIS ISSUE WITH THE CREDIT BUREAUS AND THE ACTUAL INDIVIDUAL CREDITS, BUT SEEMS LIKE THEY ARE NOT NOT HEARING MY COMPLAINT. WHEN A THIEF STEELS YOUR INFORMATION ITS ONLY OBVIOUS THAT THEY HAVE ALL CORRECT INFORMATION THEREFORE THEY ARE ABLE TO OPEN FRAUDULENT ACCOUNTS USING THE VICTIMS INFORMATION. PLEASE NOTE THAT I AM VICTIM OF AN IDENTITY THEFT, AND SOMEONE I DON'T KNOW WHO STOLE MY INFORMATION BUT THE FACT OF THE MATTER IS THAT MY INFORMATION WAS STOLEN AND THE ACCOUNTS WERE OPENED. I THINK AT THIS POINT THE CREDIT COMPANIES WERE NOT CAREFUL ENOUGH TO SEE WHO WAS REALLY APPLYING FOR THE CREDIT. HOW IS THIS MY FAULT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an complaint through the CFPB on Experian, XXXX, and XXXX   the complaint number is as followed : ( Ex XXXX-XXXX  ), ( XXXX XXXX-XXXX ), ( XXXX XXXX-XXXX ). My concerns was that their was Incorrect Information on my credit report from my Personal Name, Address I never lived at, Account on the credit report, jobs, phone numbers. Also, accordingly to the Fair Credit Reporting Act on the Furnisher of Information can report anything to the credit bureau on my credit report. Section 623 Responsibility of Furnishers of Information to consumer reporting agencies. All three depositories Experian, XXXX, amd XXXX  is allowing XXXX XXXX XXXX to report information to them concerning my history. I have never open anything up with XXXX XXXX XXXX. I open an account with another company XXXX XXXX 's and XXXX and their is nothing in the Fair Credit Reporting Act laws that says because XXXX XXXX XXXX brought out XXXX XXXX 's they ave the right to report anything concerning my payment history. I am going to provide everything from Experian that was on my credit report. That was sent to me in the mail along with a complete credit report from XXXX XXXX. I have been dealing with this since XX/XX/2018 the information I am providing should not be on my credit report. I am not XXXX XXXX XXXX XXXX. I don't have a son. Experian, XXXX, and XXXX  is defaming my character with Grantors of Credit by allowing false information to remain on my credit report. And allowing someone whom I never open an account with XXXX XXXX XXXX to report information on me on a close account with whom I had done business with.Just because they brought out the company but their is no law says they have the rights to report anything on me. They are all allowing pass address that I never lived at to remain on my credit report. Experian has allowed 13 Inquires that I have never done business with to stay on my credit report, XXXX XXXX XXXX XXXX needs to confirm with the Credit Bureau XXXX XXXX XXXX XXXX needs to confirm with the Credit Bureau
Product: Vehicle loan or lease

I was in a car accident involving this car in XX/XX/XXXX. The car was a total loss. After the parties insurance paid out, I was left with {$5700.00} in negative equity. I was in the process of trying to finance a new car and the negative equity. On XX/XX/XXXX Mid Atlantic retch out to mean with an offer of {$1800.00} pay off. I agreed to that, signed the contract, and put the first payment of {$100.00} down on XX/XX/XXXX. When the financing went through for the new car and negative equity, they cut a cut for the original negative equity on XX/XX/XXXX. Mid Atlantic did not take their {$1700.00} and return the rest of that check for {$5700.00}. They stated that the Dealership would have to reimburse me. I retch out to XXXX XXXX XXXX XXXX and they refused to refund the money either. I have had my accident attorney with XXXX XXXX XXXX, reach out in effort to fix this as well but we were just left at a dead end.
Product: Debt collection

I received two unsolicited text messages from Halsted Financial Services ( HFS ), both purporting to collect a debt due by me to XXXX XXXX XXXX XXXX. I have never owed a debt to XXXX XXXX XXXX, although I hold two deposit accounts there. The first such text message was on XX/XX/2022 and represented that I could save up to {$530.00} in up to 18 payments. The second text message was on XX/XX/2022 and did not contain an amount but requested that I contact XXXX. Both referenced XXXX XXXX XXXX  and both stated that they were attempts to collect a debt. 

It is not clear to me whether the text messages represent phishing attempts or actual ( if inaccurate ) attempts to collect a debt that I do not owe. I have requested via the HFS that it authenticate the debt and that it cease and desist from contacting me.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX Balance {$3600.00} XXXX  XXXX Balance {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am a victim of identity theft and did not make these changes. Delete and Remove please. I HAVE ATTACHED DOCUMENTS.
Product: Credit reporting or other personal consumer reports

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 creditworthiness, 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 to serve as a factor in establishing the consumers eligibility for ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), 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 ; Experian, a representative named XXXX, told me he has been doing this for ten years and he will not delete it because the FCRA doesn't apply to EXPERIAN.
Product: Checking or savings account

On XX/XX/XXXX, I deposited a check in the amount of {$8700.00}. The check was returned insufficient funds from my XXXX banking account. I contacted the check issuer someone that I do business with. He assured me that the check was good so I proceeded to deposited the check into my Bank of America account. Bank of America puts the check on hold during which time they closed my Bank of America account. So the check was in my closed Bank of America account and they will not release the funds to me. Me and the check issue have been into the bank on several occasions. He has not received the funds back in his account and I have not received the funds we have wasted, countless hours on the phone and in the bank physically every time we get a different story.
Product: Mortgage

I was in my garden and I received a call from Amerisave .Someone by the name of XXXX called me stating he guarantee that he can beat a mortgage rate of 1.99 percent.I told him three times on the call do not guarantee me anything because California laws state verbal agreement is the same as contractual agreement. I also let him know that I teach business law.After I called back to try to talk to supervisor then I was told Amerisave does not do jumbo va loans, the representative was rude to me when I asked to speak to a manager, and third representative told me I am talking to loud but Im hearing impaired which is XXXX discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed XXXX hard inquiries that do not belong to me. I contacted all three credit bureaus and put an investigation, which resolved nothing. 

The hard inquiries in question are : 1- XXXX  2- XXXX I also tried to get it removed by contacting the actual companies who did this inquiries and was told to dispute it with my credit reporting bureaus.
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. Per FCRA segment 605 Credit Bureaus are expected to BLOCK any records recorded on an ID THEFT REPORT # XXXXThe ITEMS I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on some ITEMS are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some ITEMS are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ). 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have been in contact with the credit bureaus in regards to recent hard inquiries on my credit. I work for the XXXX had a malicious cyber intrusion which resulted in thousands of employees information being breeched back in XXXX of 2015. I was an employee that was effected and XXXX sent me email that is attached dated XXXX XXXX, 2015. I have been getting hit with multiple inquiries on my credit and I have communicated in writing, as well as on the phone to all three credit bureaus. They will not remove what has been requested and once again I can not get anywhere,
Product: Credit reporting or other personal consumer reports

Equifax continues to report inaccurate information onto my consumer report causing me significant harm and damages. The account listed as XXXX is reporting has a Collection? Charge off when in fact no consumer can be in default in an open ended installment plan. Furthermore Equifax makes a financial gain from the solicitation of my nonpublic information released by XXXX. My transaction history with XXXX should not be released to the public in such a manner to cause me harm. Equifax is required by federal law to report accurate information. Any credit account that has a balance over a {$1.00} the credit belongs to the consumer so how is Equifax reporting this account has collection/charge off? Furthermore Equifax is securitizing my information and has not reported this fact to the IRS which is tax invasion. I am requesting that Equifax turn over all records for the profit of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint XXXX & I am including it again. 

XXXXXXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$75000.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$48000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I saw charges to my card because my balance was above normal so when I went to review I say multiple charged dating back from XX/XX/2023 to XX/XX/2023. Certain charges were reversed and others were kept to my account now my bank is trying to force me to pay for these charges
Product: Payday loan, title loan, or personal loan

Synchrony Bank took {$3000.00} out of my checking account which caused {$81.00} in overdraft fees. They promised I would receive credit for those fees. I had to wait  almost 4 WEEKS to get my money back. ( They did n't care and lied MANY times about the return of my money ) I got a letter from them stating that I would get the {$81.00} and so far that has not happened. I do n't know who is in charge at Synchrony but they have some major problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act hard inquiry, XXXX Inquiry : XXXX XXXX, 2021 XXXX XXXX XXXX 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 an account without my written instructions.
Product: Mortgage

Ocwen Financial held {$75000.00} of flood insurance proceeds in an escrow account until I was able to sell the property in a short-sale. Once the short-sale was completed, they did not inform their subsidiary of these escrow funds, and Ocwen issued a XXXX form showing a " discharged debt '' of {$100000.00}, when it should only have been {$25000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several accounts with information that is not correctly dealing with an account from XXXX XXXX XXXX # XXXX this account is not accurate!! This balance was PAID in full with the original creditor XXXX XXXX. i do not know how the account ended up with a 3rd party collection when it was already paid. Next account is XXXX XXXX XXXX XXXX is showing 3 late payments when the balance was actually paid in full as well. My income was impacted by COVID-19 and I had already called in requested accommodations to assist with the late payment arrangements to protect my credit profile under the executive orders to help with the impact of COVID-19 under the CARES ACT.
Product: Credit card or prepaid card

On XX/XX/2020 i received a notification from XXXX that several of my accounts had been closed. Apparently every Synchrony backed credit card that i had was closed by this company. I contacted them and they stated that I had too many accounts with them and that is why they closed all of them. There was a total of 12 accounts of which some had balances and some did not, none of them was ever paid late or default, as a matter of fact all my credit cards, loans, mortgages etc are all paid on time 100 %. I understand that per the terms and conditions of the agreement with this company that they can close any account at anytime for any reason. However given that a person has never been late or abused the credit available to simply close all of someones accounts negatively effects their credit score by messing with the utilization rate across the spectrum of their credit file. If the company was concerned about the ongoing pandemic issues and job loss and their risk, then this company could have simply just put a freeze on the accounts not allowing anymore to be charged. This process would not have effected the credit score and the ability for the consumer to maintain an active living with good credit. This is simply poor and selfish business on the part of Synchrony..
Product: Debt collection

On XX/XX/2021 XXXX XXXX XXXX XXXX, of Rubin & Rothman LLC posed as the attorney of XXXX XXXXXXXX XXXX XXXX  XXXX XXXX  who engaged in misleading representation by filing a statement of small claim and notice without having prior consent to communicate with me the consumer in connection with a debt collection, a failure to comply pursuant to 12 CFR 1006.18 ( b ) ( 1 ) ( iii ) and 1006.6 ( b ). The company also engaged in unfair practices by bringing an unauthorized legal action to consumer attempting to collect an alleged debt of {$3600.00} plus {$100.00} in court costs, a failure to comply pursuant to 12 CFR 1006.18 ( c ) and 1006.22 ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on credit report were disputed and were not investigated nor removed. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I switched phones carriers from XXXX to XXXX. XXXX required that I return the two cell phones that were on my contract. I took the phones to the sprint store and handed them over to an employee there. More than XXXX months later, I received a bill from XXXX for the two phones. XXXX claimed I never returned the merchandise. Because so much time had passed, I no longer had the receipts and the store which I returned the equipment to had closed down. I know of two other people who had similar issues with equipment returned to that particular store. It appears the XXXX employees there were taking returned cell phones and never reporting them to XXXX. I believe that this is the reason that particular store closed down. I have spoken to XXXX several times and can not resolve this debt.