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

Ive asked Equifax, TransUnion, and Experian to kindly remove collections, charge-off, and inquiries from my credit report several times and theyve failed to do so. Theyve shared my information with 3rd party companies without my consent. Theres several addresses on my credit report that Ive never lived, I told all bureaus I need exactly one address on file. Ive even tried reaching out via certified mail. Ive also filed a report with the ftc for identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI, I WAS SICK WITH XXXX  AND 2 DAYS LATE ON MY CITIBANK CREDIT CARD PAYMENT. I IMMEDIATELY PAID IT. I ALWAYS MAKE MY PAYMENTS ON TIME OR BEFOREHAND EVERY SINGLE MONTH. THEY CHARGED ME A FEE AND REPORTED ME TO THE CREDIT BUREAUS FOR 2 DAYS LATE WHEN I HAVE ALWAYS BEEN ON TIME. I ASKED THEM TO REMOVE THE MARK ON MY CREDIT REPORT AND I WAS SENT A LETTER STATING THAT THEY WILL NOT REMOVE IT. 

I WANT IT REMOVED FROM MY REPORT.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX A Last reported XX/XX/XXXX {$92.00} XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Medical Original creditor name XXXX XXXX XXXX In accordance with fair credit reporting act convergent account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening! Ive always made on time payments. I receive some disturbing news from my credit information and none these accounts Are reporting positive information Im gon na excise my right under 15usc 1681 I demand that all of these accounts be update always made on time payments I demand updates all positive information being reported. delete collections not mine. Accounts to be updated to on time payments : XXXX XXXX XXXXopen date Change to on time payments Last report date XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX date Chamge to on time payments Last report date XX/XX/XXXX Chamge to on time payments XXXX XXXX XX/XX/XXXX Last update XX/XX/XXXX Positive on time payments XXXX XXXX  Open date XX/XX/XXXX Last report date XX/XX/XXXX On time payments XXXX open date XX/XX/XXXX Charge off delete Last update XX/XX/XXXX Thats charge off delete XXXX XXXX XXXX XXXX XX/XX/XXXX Closed XXXX update to on time payments I am going to Folllow up with a civil suit as well Im going to notify the attorney general after I get response.
Product: Mortgage

In XX/XX/XXXX filed a complaint with the CFPB regarding concerns with the funds held in my escrow account and payments for taxes and insurance by Citizens Bank. During the course of that complaint, I worked with XXXX, Office of the Chairman. 

I received a reply from XXXX in response to the complaint, stating that my home 's current tax payments are estimated at a significantly lower rate and will increase in XX/XX/XXXX. In response, I've contacted the XXXX XXXX XXXX XXXX to confirm the increase and estimated amount. They stated that an appraisal of my residence was completed in XXXX XXXX and that one won't be needed for another XXXX years. However additional enhancements and improvements might prompt a reevaluation sooner. As of today, we do not anticipate making any improvement of additions. 

Regarding the tax amounts, XXXX XXXX XXXX XXXX stated that they have been set for the year XXXX and won't be changing. Despite having more than sufficient funds in my escrow account, Citizens has not yet paid my outstanding tax liability of {$5700.00}. Failure to make payment will result in penalties and liens imposed on me as the homeowner. Currently I have a balance of {$31000.00} in my escrow account, an amount more than sufficient to satisfy the outstanding tax obligation. 

Regarding the large escrow balance, on XX/XX/XXXX, I received a notice from Citizens that there was a distribution of {$9900.00} from my escrow account ; however, I never received a check or deposit for that distribution. 

Since the response letter from XXXX, I have contacted her via telephone at XXXX and email at XXXX on no less than XXXX occasions to further resolve my issues with no response. 

I continue to have grave concerns regarding my outstanding balance with the XXXX XXXX fiscal office as well as the large balance within my escrow account relative to my tax and insurance obligations. Citizens has not been able to provide concrete support justifying the ongoing balance and I did not receive any funds from the distribution that was made on XX/XX/XXXX.
Product: Debt collection

Sent by professional credit services on behalf of XXXX XXXX. 

Professional Credit Service acct # XXXX pin # XXXX XXXX XXXX acct # XXXX Amount owed {$93.00} This account is owned by XXXX XXXX. XXXX XXXX died on XX/XX/2022. Attempted to contact debt collector but they continuously hang up on us. They have XXXX XXXX ( misspelled ) should be XXXX who was a minor when this account was created. They continue to send these bills although they have been informed about XXXX 's passing.
Product: Debt collection

This is a deb for the person named " XXXX XXXX '', but my name is " XXXX XXXX ''. Somehow they put this debt to my social security number. I never lived in that apartment that generated the debt. Called the debt collect within 30 days of receiving the debt in 2014, but they were very rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to find that TransWorld Systems Inc. has a Debt on my credit report that is erroneous. It states I have a balance of {$3500.00} as of XX/XX/2020. However Prior to my moving out the address in question my account balance was less than ( {$100.00} ) see attached. This is nothing more than predatory debt collector attempting to take advantage of people during the COVID-19 pandemic crisis.
Product: Debt collection

Along with this, they have sent various letters after making online payments stating that the bank has denied the payment and returned it. I check my bank account various times during the day and not once has it showed a return payment or any type of nsf fee charges due to such. I talked to Midland credit about this and the response was that the letter is automatically generated due to not having recurring payments set up in order to pay the account.They have also stated that if not paid they would take it to court, I have tried to settle the debt, I agreed to go online by the end of month and pay XXXX each month.
Product: Checking or savings account

I lost my debit card in the Chase bank on XXXX XXXX and XXXX XXXX, XXXX. The bank issued a new card on XXXX XXXX XXXX But I did not get the card. Customer service of Chase on XXXX XXXXXXXX XXXX  told me that my card was sent to the new address in Florida. I was very surprised- why?! I looked at my computer bank page and saw a new fake address. My bank page and my account were hacked! Identity theif redirected my card to the place in the USA where I had never been! I cancelled fake address and ordered another card to my permanent rigtt address in XXXXBut the bank sent my card to the thief in Florida again! I came to Chase bank on XXXX XXXX myself on XXXX XXXX XXXX  and asked manager XXXX XXXX - why they continued sending my card to the thief to Florida, while I live in XXXX, bank knows me for 23 years as a good honest client! She apologized and promised to send card for the XXXX time to my correct address in XXXX. A week later, on XXXX XXXX XXXX, when I did not get this XXXX card, I came to the branch on XXXX XXXX and XXXX XXXX. XXXX XXXX XXXX explained me that my card was not sent for unknown reason. Bank promised to send my new card for the 4th time! I was not sure that I would get my 4th card from the bank and I started my own investigation. I called to the Escalation group, my case XXXX XXXX, and talked to XXXX XXXX. He did not want to explain me why the bank was communicating with the thief in Florida rather than with me? Why nothing was done to stop identity theft, to ptotect my account? It looked like the bank did not trust me! I was standing in front of the bankers in XXXX and they continued thinkning that I was ... in Florida! XXXX XXXX suddenly answered me : - We know where are you from! 
He meant- where from I have immigrated to the United States 23 years ago! It was XXXX. I got angry. What did it mean?! That I am, a good faithful client of Chase for many years was not worthy of trust, good service because I came from XXXX?! Only after this angry, scandalious and antisemitic talk with the banker I got my debit card. It was brought to my door by XXXX ... in a few hours! 
What happened? Chase politisized my plain debit card loss and turned it into some act of discrimination! It was a weird and wild story. Chase is loosing its good reputation, its employees are not real professionals. This story is not rare now in New York. But the bank- especially XXXX should be above dirty political life!
Product: Debt collection

I sent off my letters to dispute the charges to the Creditor and Collection Agency for my repo. XXXX never replied to my letter, they just updated my credit report. XXXX XXXX XXXX, the debt collection agency that bought my account, sent me copies of my contract from when I bought my car with XXXX XXXX and XXXX. XXXX XXXX XXXX has sent me everything they have from my file with XXXX. Now XXXX violated the O.C.G.A. XX/XX/XXXX. 

XX/XX/XXXX. Disposition of motor vehicle repossessed after default ; right to recover deficiency ( a ) When any motor vehicle has been repossessed after default in accordance with Part 6 of Article 9 of Title 11, the seller or holder shall not be entitled to recover a deficiency against the buyer unless within ten days after the repossession he or she forwards by registered or certified mail or statutory overnight delivery to the address of the buyer shown on the contract or later designated by the buyer a notice of the seller 's or holder 's intention to pursue a deficiency claim against the buyer. The notice shall also advise the buyer of his or her rights of redemption, as well as his or her right to demand a public sale of the repossessed motor vehicle. In the event the buyer exercises his or her right to demand a public sale of the goods, he or she shall in writing so advise the seller or holder of his or her election by registered or certified mail or statutory overnight delivery addressed to the seller or holder at the address from which the seller 's or holder 's notice emanated within ten days after the posting of the original seller 's or holder 's notice. 
( b ) In the event of election of such public sale by the buyer, the seller or holder shall dispose of said repossessed motor vehicle at a public sale as provided by law, to be held in the state and county where the original sale took place, or the state and county where the motor vehicle was repossessed, or the state and county of the buyer 's residence, at the seller 's election. 
( c ) This Code section is cumulative of Part 6 of Article 9 of Title 11 and  provides cumulative additional rights and remedies which must be fulfilled before any deficiency claim will lie against a buyer, and nothing herein shall be deemed to repeal said part. 



In which they never sent that letter. It is also shown with all the copies of paperwork they sent me that it was never sent. They sold the car and sent me the Explanation of Calculation and Surplus or Deficiency, which I still have.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX/XXXX  XXXX {$610.00} XXXX XXXX {$16000.00} XXXX  XXXX {$8900.00} XXXX XXXX XXXX  XXXX {$1400.00} XXXX XXXX   XXXX {$1300.00}
Product: Debt collection

I have an account from Woodlands financial SVCS # XXXX that's still on my credit report that I paid off in 2017. I would like this account removed from my credit report as soon as possible.
Product: Prepaid card

Someone was able to steal my moneynetwork debit card and set up an account with a pin before I ever had the card in my physical possession. Several unauthorized transactions were made and even sent to a personal XXXX XXXX XXXX account totaling in XXXX dollars. The initial amount issued by XXXX on XX/XX/XXXX was XXXX dollars which i never received. My original dispute was for XXXX  dollars filed XX/XX/XXXX. Both of my disputes were denied, XXXX claims no errors were made. I have never had a wells XXXX account. I've only had a credit union for the past XXXX  years.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Long ago-  (   XXXX   XXXX   ) - attempt at retrieving a credit report online ( Experian  )  was denied, required sending information by mail  XX/XX/XXXX  - letter sent back indicating that they could not locate credit information. upon reflection, it is clear that it 's because their system does not allow  1 le tter last names.    XX/XX/XXXX  - rental application stalled due to not being able to look up spouse 's credit report. Contacted experian to try to clear up the situation -- they tell me to send a document with the correct name. They tell me they will mark the request with a rush request to expedite the processing of the document.    XX/XX/XXXX  - Using the online system, uploaded copy of social security card showing the legal name.    XX/XX/XXXX   - ( c all to experian ) informed that the previous handler entered the wrong name due to not being able to enter a  1 lette r last name into the system. Explained to me that they can not fix the problem because the system does not allow  1  letter last names. However, even then they can not put in other names because it does not match the record from social security. They inform me that my best option is for legal representation to help with options or a legal name change, both which are ridiculous, because this should be treated as a bug with their system. Clearly the Social Security  Database  allows fo r 1 l etter last names, and they should still be at fault for not being able to provide me with the credit report.     Note, I was able to pull   XXXX   credit repor t (  but it did require me to contact the agency by mail, which is annoying )
Product: Mortgage

Starting in XX/XX/XXXX HomeQ sold our mortgage to PHH. Our mortgage payment was on auto-pay to HomeQ and were current in all payments. We were never notified that our mortgage was sold to PHH. As a result we continued auto-pay to HomeQ in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. PHH is claiming that we are four months behind in payments, we started making payments to PHH in XX/XX/XXXX and we are continuing to do that on an auto-pay basis.
Product: Credit reporting or other personal consumer reports

I've reached out to Discover several times to inform them that they are in violation of federal law by reporting and disclosing my non-public personal information 15 U.S.C 6801
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX. Emotionally distressed!!! I created a dispute via online with Experian for ND ( no data ) showing on a loan account for the balance of {$6400.00}. The exact date was for XX/XX/2022. Not even 2 days later Experian update the info to reflect 30 days past due!!!!!! I have never been late more than 30 days. I just verified the information with lending club and they have no record of being 30 days or more past due!!! Where did Experian get thier information? Because last thing I remember its so XXXX easy to update with wrong information but takes more than 30 days to report good history!!! This is a XXXX scam!!! I am beyon XXXX XXXX. I need someone to call me ASAP!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

show tooltip button XXXX/XXXX/XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX CDispute XXXX XXXX XXXXDispute XXXX/XXXX   XXXXDispute XXXX XXXXDispute filed ftc on all the above accounts
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GOOD DAY I have recently disputed this account it was updated I REQUEST THIS FRAUDULENT ACCOUNT TO BE DELETED ACCOUNT NAME XXXX XXXXXXXX XXXX XXXX XXXXX # : 15 U.S. Code 16815-2- Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S. Code 1692e - False or misleading representations 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION 15 USC 1681B - PERMISSIBLE PURPOSE Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. Personal identifying information can include social security numbers, driver 's license number, credit card or bank account information, and PIN numbers obtained through the internet. 

DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT IT HAS BEEN ALMOST BASICALLY 30 days CREDIT BUREAUS XXXX XXXX XXXX  IS IN VIOLATION OF THE FAIR CARES ACT LAW. This account was NEVER opened by me Iam a FEDERALLY PROTECTED CONSUMER of the USA as a consumer I demand this account to be DELETED PERMANENTLY ASAP. I have already made an identity theft claim thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX XXXX XXXX  XXXX ran an unauthorized credit inquiry on me on XX/XX/2019. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX XX/XX/XXXX XXXX and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

If you have any questions or need additional information, please contact me at address listed below.

Thank you. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

American Express kept {$50.00} of my money ( credit balance at the time I closed my account ) and refused to resolve the problem as described in its attached response for the sole reason that they were not able to communicate with me via the use of telephone service. It appears that American Express provides substandard level of service to consumers who are not able or otherwise have difficulties communicating via telephone service.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received an alert from Equifax indicating there was a hard inquiry into my account. When I looked on my report I noticed 2 hard inquiries made on XX/XX/2020 and XX/XX/2020. One from from a bank for a personal loan and the other was a credit card application from a jeweler. Neither of which belonged to me. 

Out of fear of someone trying to steal my identity I called them to freeze my account. I spoke to numerous agents whom clearly did not speak XXXX well and when I asked to speak to a manager because they refuse to freeze my account, they hung up on me because they did not want to have me speak to their manager. They informed me I would have to make the request via snail mail and include my social security number and a copy of my drivers license. I told them this was absurd because if the document was intercepted in the mail - all my personal information was at risk. I spent hours on the phone trying to get someone - anyone to help me yet to no avail. 

Incidentally, I had no problem freezing my credit report through XXXX  and XXXX. So, with Equifax refusing to freeze my account, someone is out there applying for credit in my name and only a matter of time before an account is opened. Equifax clearly has no problem running my credit for a hard inquiry with clearly minimal information, yet after I passed all the security measures on the phone continued to tell me I had to send in my documents to freeze my account. 

They continue to put consumers at risk. Please help me to get them to freeze my credit so I can preserve my identity from further misuse. 

Thank you.