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

These are the following hard inquiries that I am requesting to be removed immediately, or proof providing these belong to me. 
Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) ( XXXX XX/XX/2021 ) - ( XXXX XXXX XX/XX/2021 ) - ( XXXX XX/XX/2021 ) - ( XXXX XXXX XXXX XX/XX/2021 ) - ( XXXX XXXX XXXX XXXX XXXX, 2021 )
Product: Credit reporting

I have written XXXX letters to each of the reporting credit bureaus requesting any and all documentation bearing my signature of a Bankruptcy reporting under my social security number. I also requested the name, address and telephone number of each person they contacted regarding this alleged claim. In each of their responses they have stated that the information has been verified yet no proof has been provided to me. Bankruptcy Courts, Federal Courts, and any clerks office associated with either of those do NOT report to any credit bureaus. Not only have they not complied with the Federal Trade Commission ( see 15 USC 41, et seq. ) they have also violated the Fair Credit Reporting Act action 623 ( a ) ( 3 ) in which they are now liable for my damages of up to {$1000.00} per occurrence. This is my last goodwill attempt at resolving this matter before I file a small claims suit in the amount of {$5000.00} for 1 ) Defamation, 2 ) Negligent Enablement of Identity Fraud, and 3 ) Violation of the Fair Credit Reporting Act against each credit reporting agency.
Product: Bank account or service

The Bank of America has, on XXXX occasions in the last several months, refused to cash my payroll check that was written on an account at the Bank. The Bank is located at XXXX XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX
Product: Debt collection

Calls me 5 or more times a day. Threatens to sue me and having me arrested if I dont pay.
Product: Credit reporting or other personal consumer reports

I am disputing and requesting an investigation into the wrongful reporting of these accounts on my credit file. Under the Fair Credit Reporting Act, I am entitled to {$1000.00} for each incorrect report. According to FCRA 605B, we must report any incorrect accounts listed on a consumer 's report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several items that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT RPORT. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. I can assure you that I did not open these items or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I am requesting that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report. Please provide me with a written response to this dispute and let me know the results of your investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/2000, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

Im just a Co-Signer on the contract and basically its my dads car. He is not able to pay the XXXX XXXX which negatively affect me. I was wondering if they could just remove me from the contract as a co-signer and just solely put the contract to my dad
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past week I have tried to login and dispute items on my credit report, the system states " Were unable to process your request at this time. '' I contacted Transunion and they will not allow me to view my report to dispute items.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Is Not Reporting all my Credit Cards or Credit History in the Open Trade Lines of Credit Reporting. Over two months ago I was added as an authorized user of XXXX XXXX  XXXX card with a 12 year Credit History, another XXXX XXXX XXXX with a 4 year XXXX XXXX and another XXXX XXXX XXXX with a 4 year credit history. I need ALL of these cards reported to my Experian Credit Report on a monthly basis and currently for over 2 months these cards have not been reported on my Experian Credit History. I am in the market to buy a Home and this issue is preventing me from moving forward to purchase a new home! I need Experian to report these Lines of Credit that I am an authorized user IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and/or unverifiable information on my credit report, as provided by your agency. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are required to ensure that the information you report is accurate, complete, and verifiable. Furthermore, my information on equifax was included in a data breach where I received no resolution on impacts on my score.

The following item ( s ) on my report are incorrect and should be investigated and removed or corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( inaccurate ) As required by FCRA 15 U.S.C. 1681i, you must investigate this dispute within 30 days of receipt and provide me with a written response. If the disputed information can not be verified, it must be deleted from my report immediately per 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 5 ) ( A ).

Additionally, if this dispute results in any negative reporting by the data furnisher, I request that you provide me with the method of verification per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Failure to comply with these provisions may result in legal action to enforce my rights under federal law.

Please send confirmation of your investigation and any actions taken to my address listed above. If you need additional information, feel free to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts on the list bellow are fraud some one used my personal documents and open the accounts on the list that accounts not belongs to me this is a fraudulent accounts.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

It is showing that I have an open account with a debt collections company that I had anything to do with. And it says they are the original creditor.
Product: Debt collection

American Express contacted a relative on XX/XX/23. I contacted the representative, XXXX XXXX at XXXX XXXX on XX/XX/23 where I was informed that they wanted to talk to me about a potential settlement. I informed XXXX XXXX that I have an attorney representing me for the handling of this debt, that said attorney has already sent a power of attorney to AMEX and that communications needed to be conducted via that attorney. I was told by XXXX XXXX that because my attorney works for a debt consolidation firm that AMEX would not be contacting them because they don't deal with debt consolidation firms. I thanked him for his time and discontinued the call.
Product: Money transfer, virtual currency, or money service

I have been using Binance.US to trade cryptocurrency. For about 6 months or more, now that trying to withdraw USD, the app all of a sudden can't connect to my bank in any way. I have emailed them 5 times about it over this year, and have gotten no response at all. 

I want the money I am owed. They're just keeping it and not responding to the tickets that are being sent in.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

This complaint is about the XXXX XXXX American Express Card, which is XXXX XXXX  XXXX XXXX. I opened this card in XXXX, but closed it on XX/XX/XXXX for reasons unrelated to this complaint. At that time, I made a full payment of the payoff amount ( {$1400.00} ), as communicated to me by the customer service agent. When I login to the management website, the account is confirmed to be closed. 

However, the card has continued to accrue interest and XXXX continues to send me mail related to payments scheduled against this account. I have previously called them about this, and have been told to disregard the notices and that my account is closed. Yet, on XX/XX/XXXX, XXXX withdrew {$9.00} from associated checking account with the memo " Auto Pymt ''. XXXX has not closed my account and is withdrawing funds from my account to payments against an account I have already paid off completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a dispute to credit bureaus about a collection ( XXXX XXXX XXXX XXXX ) and I have not received a response back or any results. This charge off account is in litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was vandalized, my insurance company started working on the claim, and then suddenly I lost all contact with them, I wasnt getting any response from them for weeks, the next thing I hear is that my car is repossessed and that the insurance claim is denied. I am notified that it is my responsibility to bring my insurance company information or evidence proving the guilt of someone other than myself in order for them to go forward with the claim ... the police tell me to stay away from the person who did the vandalism due to a history of violently attacking my property and the assault arrest he had on him due to breaking into my house and attacking me. But I get notified that my finance company is now brought the balance to collections and it is ruining my credit, I am homeless already and can not afford to pay for something I did not do. So I go investigate the matter, I go back to the apartment complex and I go door to door asking everyone if they remember seeing anything, I find a witness who remembers everything perfectly and I tell my insurance company FINALLY I found the evidence that they so relentlessly needed, and after months of being told I need to do something in order for my insurance to take action and then accomplishing that task only to be told I need to do more, to finally find enough evidence, bring it to them, and now have them tell me, that even though I was insured by them at the time of the vandalism, because the vehicle is now repossessed and in the possession of the Lien holder I do not have the right to file a claim and it would be the responsibility of the lien holder to file a claim if they so chose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reporting of Pinnacle Credit Services LLC several times.They are reporting that I owe {$130.00} to XXXX. I do not owe XXXX and this is inaccurate information. Pinnacle is reporting this false information to Credit Bureaus under different names also. Under XXXX it is XXXX XXXX XXXX XXXX   and XXXX Pinnacle Credit Services LLC. The investigation into this inaccurate account has been less than adequate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$57000.00}
Product: Mortgage

Ocwen is claiming my property tax is {$4200.00}. I asked them were they came up with that amount and all they could tell me was " a web site ''. My taxes are {$2900.00} and I provided them with the actual tax bill from my town office. They " investigated '' it and two weeks later basically said I was wrong and they were right. This has caused my yearly escrow with taxes and insurance to go from {$4200.00} to {$6100.00}. They are collecting an additional {$1800.00} a year from me without any explanation as to where it is going. 

I have tried several times to work this out with them but they wont budge. They call me and when I answer the phone no one is there. Then the next day I get a email stating they called me but I wont respond. I have called them but only have been allowed to leave messages. 

Any help would be great, I 'm a single parent and cant afford the higher monthly payment that seems to go nowhere.
Product: Credit card

under federal law 15 us code 1681 a strictly forbides any information that can be released to the credit bureaus. I want the late payment information deleted off of all the credit reports.
Product: Mortgage

I closed on my mortgage loan on XXXX/XXXX/2016. My rescission period ended on XXXX/XXXX/2016. My funds were n't disbursed until XXXX/XXXX/2016. 
LoanDepot would not return any of my calls during that period. My escrow account changed and it took them that long to figure it out. 
They made me get updated payoffs before the closing and did n't use the updated payoffs at closing. Now on XXXX/XXXX/2016 I am getting phone calls from my accounts. They are all charging late fees and interest. I am very dissatisfied with the service I received and feel that LoanDepot should cover ALL the late interest and late fees. The loan closed on XXXX/XXXX/2016 and should have disbursed on XXXX/XXXX/2016. All of our accounts should have been paid off by XXXX/XXXX/2016, even with mail time.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with Mobiloans.This is not a loan I've taken out. I am not aware of such company. 

From what I've read online. XXXX XXXX XXXX XXXX  is not licensed to conduct business in the state of California. XXXX XXXX XXXX XXXX  d/b/a Mobiloans operates a website at XXXXmobiloansXXXX. What they are doing isn't legal nor is it a valid loan operation in this state. 

I demand that this account be removed from my XXXX credit report.
Product: Credit reporting or other personal consumer reports

My account with DEPT OF EDUCATIONXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. DEPT OF EDUCATION/XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

good evening. this complaint is in reference to the XXXX XXXXXXXX XXXX account shown on my credit report at EXPERIAN and XXXX. the vehicle that was financed with XXXX XXXX XXXX was repossessed in or around XX/XX/2017 in XXXX nj. After i found this account on my credit file i did some research on the vehicles VIN number and found out the vehicle was sold at auction in or around XX/XX/2017. I was unaware of this because i never received any correspondence regarding the vehicle after its repossession by XXXX XXXX XXXX. It is to my knowledge that new jersey state law and UCC codes state that a finance company SHALL follow certain distinct procedures after the repossession of a vehicle and if these procedures are not followed the deficiency ( repossession ) can not be claimed therefore can not be on my credit profile. new jersey state law and UCC codes state that after a vehicle is repossesed several different notices are to be mailed to the consumer regarding how to redeem the vehicle back, when and where the auction will take place, and if auction of the vehicle takes place, the amount the vehicle was sold for and if there was any surplus amount. this information helps the consumer verify if the amount owed is in fact accurate and correct. i NEVER received any of these notices. these notices must have also been sent within very specific time frames after the repossession again i never received these notices. the finance company shall also be able to provide proof that these notices were sent to the consumer. i have disputed this account with EXPERIAN and XXXX for XXXX percent accuracy regarding the balance and other aspects of this account and ALSO i have requested proof of these notices required by new jersey state law and its UCC codes in order to claim the defiecency. To date my request was not fullfilled and EXPERIAN and XXXX simply updated my account as accurate. i simply exercised my rights under section 609 to have the information provided to me about the account listed on my file and it was not met as well as if the account is unverifiable it must be removed from my file. not to mention how can this account have been verified at all when the information between EXPERIAN and XXXX does not even match! how can they possibly have verified this account as accurate and the information does match? they both can not be right. there are so many issues with this account i would like to request its removal this is highly stressful to me that the credit bureaus are in violation in these aspects!
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XX/XX/XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!