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

Back in XX/XX/2018 I began a dispute for an account XXXX XXXX, and to have all Michigan addresses removed from my credit file, that was opened fraudulently in my name due to identity theft. The account XXXX XXXX ( XXXX XXXX ) has not been removed by Equifax. I have repeatedly disputed this account to have it removed. Every time I call Equifax they keep telling me to fax in more and more documents, that I have already faxed them. I have sent proof of identity, identity theft police report with the account number on it, and proof of address for the past four years. They still have not deleted this fraudulent account off my credit file.
Product: Checking or savings account

US Bank requires a person to go to a lobby to wire money or get a cashier 's check. Fair enough. However, in my area ( XXXX Washington state ) all of their lobbies are closed, no one answers the phone to schedule a lobby appointment, and ( understandably ) there is no way to get a wire or cashier 's check from the drive through and ATM. I tried for days to get an appointment to get my money. US Bank 's branches in my area would not respond to me. They don't even answer the phone. Ever.

I am trying to wire or get a cashier 's check for about {$500000.00} to close on a house on a tight time line. US Bank has a XXXX XXXX of my money but won't let me get it. 

Requiring consumer to go to a lobby for a large transaction is certainly reason. However, I believe it is an unfair and deceptive trade practice for a financial institution to require consumers to go to a lobby to get their money - but then not open up lobbies for them to do so. It's like US Bank has the key to my {$500000.00} ( the ability to enter the lobby to conduct a transaction ) but won't give it to me - the net effect is that US Bank has my money and I don't, and they won't let me get it.
Product: Mortgage

There seems to be an error on my consumer report furnished by XXXX XXXX XXXX XXXX And New American funding. On my consumer report, there is a late payment and Fraudulent items on my credit report which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that ( company name ) is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is ( companys name ) attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has ( companys name ) has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act XXXX  account has violated my rights. 
15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604 A Section 2 It also states a consumer reporting agency Can not furnish account without my written instructions.

15 USC 1666B A creditor May not treat a payment on a credit card account Under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 s. 602A. States, A consumer ( myself ) has the right to privacy.

15 U.S.C 1681 s. 604A. States, A consumer reporting agency can not furnish an account without the written instructions or consent of the consumer ( myself ). 

EQUIFAX and XXXX has furnished my credit file with inaccurate information. Ive disputed it with both parties several times and each time it came back updated. I have provided proof of more inaccuracies committed by both parties. I have the right to an accurate credit file. Please remove and delete this inaccurate account immediately.
Product: Mortgage

I have been discussing my loan and how it is ( unfair ) with Rushmore. I have sent letters, emails and talked to several people. But nothing seems to work. I bought my house more than 15 years ago and with a downpayment of XXXX I have so far paid nearly XXXX. Now my principal is at XXXX which apparently goes up every month. I tried to reach out to them to see if they would reduce this but they have refused because it is not to the interest of their investor! Who is their investor? Why don't they try to let people keep their only home instead of charging these fees and letting you lose brick by brick of your house. I get payoff letter but it is not clear. One says XXXX, one says XXXX and one says XXXX!!! So which one is it. 

Why does Rushmore treat its customers this way? There are dozens and dozens of complaints against this company which is no different than the ones before, XXXX, XXXX XXXX XXXX and XXXX. All crooks who are there to steal people 's assets. 

I am demanding a lower principal balance and a speedy resolution in this matter
Product: Debt collection

XX/XX/2019 I filed for Chapter XXXX bankruptcy protection XX/XX/2019 341 Meeting of the Creditors with the Trustee ; the record will show there were no creditors represented in the Court. Specifically, no representation from XXXX or the presumed original creditor, XXXX XXXX. 

XX/XX/2019 Received voicemail from XXXX This message is intended for " you '' this is XXXX XXXX compliance officer contacting you in regards to your pending case being filed that is attached to your name, birth date and social security number. By law, I have to make you aware that once a case number " x '' is filed it will become a matter of public record and there is an order of location issued for you. Since I wasn't able to reach you by phone I was instructed to contact your employer and speak with your supervisor as it looks like this will now be a possible place of location due to the negligence on your end regarding this case. XXXX `` X '' you do have a legal right to contact the office that is processing your case if you will want to speak with them before its filed. Once your case is discharged from their office all rights are to be forfeited. The number provided on the paperwork for you to contact them immediately is XXXX. You are being legally notified by telephone and you will be located unless I'm told otherwise. 

XX/XX/2019 Received a text from a colleague that the " compliance officer '' had reached out to them regarding me. 

Please investigate why XXXX XXXX would sell loan that was known to be in Ch XXXX proceedings. Further investigate why XXXX is allowed to intentionally use illegal tactics within days of the 341 meeting to harass, further embarrass and scare an individual into some type of payment arrangement. Hit them with fines.
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. 


I told Experian, XXXX, and XXXX to reinvestigate this account : : XXXX XXXX  XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

I submitted a letter to XXXX and Equifax on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and XXXX, and I'm including it again. 


XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX  Balance : {$4800.00}
Product: Student loan

I requested a 30 day payoff statement from my loan company to refinance with another company. They initially told me it would take 48 hours to appear, and when I didnt get it, I called back. The gentleman told me it can take up to 3 business days and to keep waiting. Several days later, I called again and a woman informed me it actually takes 10-14 business days ( which seems insane but fine ). After anxiously waiting without ever receiving the document, I finally I called on the 17th business day and was basically told that someone would look into it, and that she would send a 2nd request just in case. My first loan payment is now past due, my refinance application with the other company expires in 5 days, and this payoff statement ( whenever I do get it ) actually expires in 4 days. Meanwhile, the loan company continues to accrue significant amounts of interest with every day this is delayed.
Product: Checking or savings account

My account balances change despite not making purchases. I continue to need to transfer money into account, when I shouldn't need to due to balances decreasing after I have made sure all bills/purchases have been deducted. Most recent example, I left {$500.00} in my account for the week, I did not have any pending debits. I did not make any purchases. 3 days later, my account balance was down {$450.00} dollars. I then received and email from my XXXX  account about a XXXX  purchsed form coin base. I have not purchased any XXXX, I have not used a XXXX  account in over 15 years. I contacted PNC to report. was unable to get anywhere with them on the phone, was told by the representative I should go into a branch. I have called PNC several times in the past few months due to account balances. Problems accessing my account, passwords and questions being changed, the account balances changing without making purchases, with all pending actions already accounted for. This appears to be a sophisticated level fraud, web ring type of transactions.
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 XXXX Account Name XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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/2023 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 card or prepaid card

As early as XX/XX/2021, I was hospitalized continuously and while XXXX, I contracted XXXX. During the course of my XXXX  I was transferred to a XXXX XXXX XXXX, where I am till this day. 

I wasn't able to get in contact with my creditor, in this case Bank of the West, until recently, to inform them of my XXXX. Upon informing them of my situation, seeking option to protect my credit, I was informed that my secured credit card account had been charged-off, and paid in full due to nonpayment. When I asked about what programs they have available to individuals in my situation where they are unable to make payments on their accounts due to XXXX XXXX, I was told that since the account was already closed, there wasn't anything they could do about it, that it was over-with and that it was too late.
Product: Debt collection

I have no proff that this is mine. The company sold my information to a third party. I did not agree or gave promisson to sell my information. They never proved this debt was true. They do not have the right to report it to the credit agency 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Purchased, my home the first part of XX/XX/XXXX. Ive never been late making my mortgage payments. Since then, all my other accounts have been paid on time. For the last four years, my FICA score seems to be frozen. When I purchased my home my score was XXXX. For the last four years its been averaging XXXX. Four years ago a hired a credit repair company to help with my score. I paid him {$500.00}. After one year nothing happened. Later, I thought I would hire a professional credit repair company. I paid them {$5600.00}. After one year my score still stayed around XXXX. Three. year and a half ago I had subscribe to XXXX XXXX I paid them about {$1300.00}. For a year and of course my FICA score still averaged XXXX. So after spending so much money, I decided to try to update my credit score on my own. Ive contacted all three credit bureaus for help. When I contacted Experion credit bureau. They had me do a number of tasks to raise my FICA score. 1st, they had me send letters to all my previous accounts. Second Experion had me send them documents that my car was paid off mid XXXX and all my 6 student loans were paid off and still no change in my FICA. score. Experion also told me to do a number of transactions to file disputes, correct errors on my credit report, send them documents to their customer service department. Fourth when I called the representatives, they act like theyre in training. When I ask them a question they put me on hold for a long time. When they return they couldnt answer my questions??? I told them I mailed some documents return receipt a month before my called. they replied they dont know what happened to my documents both the representative and their supervisor can not explain to me pm what couldve happened with the documents I had mailed to them. They told me they would get back to me with an update. Well, of course they didnt call me. Im asking you to help me with this agency, I will also contact XXXX and XXXXXXXX XXXX credit bureaus to file dissatisfaction disputes with them. Ive lived in my house for eight years now. Ive never missed a payment on any my accounts they are all up-to-date. 
The main reason I want to adjust my focus score is because when I originally purchased my house my interest rate was locked in at 4.5 %. That was a high interest rate when when the interest rates fell two years ago I could not take a vantage of the two and 3 % interest rate that I was eligible for. All three credit bureaus cost me many thousands of dollars because of the incorrect reporting and correction. Ill send you the documents related to this dispute. PLEASE help me have XXXX correct my credit score. So hopefully when interest rates fall again I can qualify to refinance my house. 

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

I sent all three credit bureaus a certified letter, requesting an investigation/deletion of this hard inquiry from capital one XX/XX/18. It has now been well over 90 days and still no response.This hard inquiry have caused great hardship, stress, and has caused my credit score to decrease drastically. The three bureaus have violated the FCRA, laws that protect all consumers. They are suppose to report accurate information and to respond to consumers within a timely manner.
Product: Prepaid card

I received this gift card as wedding gift on XX/XX/2023. It is a prepaid XXXX  gift card sold in packaging indicating it is worth {$200.00}. The issuer is listed as U.S. Bank National Association and is listed with the website XXXX  and phone number XXXX. The card is active for in-store to my knowledge but has never been used by me or my wife. Despite this, when I call the check the balance, the card is worth {$26.00}. When I ask to hear the transaction list, the system says no transaction has been recorded on the card. To test if the card was even functional, I attempted a {$14.00} purchase at a local restaurant and the transaction was declined. This is a fake, fraudulent gift card that is supposed to be worth {$200.00} and is actually just worthless.
Product: Credit reporting or other personal consumer reports

formally complain about the unauthorized accounts that appear on my credit report, which were initiated without my explicit consent. Despite my multiple attempts to resolve this matter over the past XXXX months, starting in XXXX, I have yet to receive a response or resolution from your company. This inaction is a violation of my rights under both federal and state law. Legal Basis for the Complaint : XXXX P.S. XXXX to XXXX : Under Pennsylvanias Unfair Trade Practices and Consumer Protection Law, any contract or financial agreement must be supported by clear evidence of debt and a copy of the contract. The accounts and inquiries listed on my credit report do not meet these requirements, as no proof of debt or contract has been provided. Federal Credit Reporting Act ( FCRA ) : According to the FCRA, I have the right to dispute inaccurate or unauthorized information on my credit report. I have done so, and no documentation supporting the legitimacy of these accounts and inquiries has been provided within the required time frame. Failure to provide such documentation within XXXX days from the submission of my dispute necessitates the immediate blocking and removal of these items from my credit report. Truth in Lending Act ( TILA ) : TILA mandates transparency in all credit-related transactions. The lack of response and failure to provide requested information on these unauthorized accounts and inquiries breaches this requirement. Police Report : As required by the aforementioned regulations, I have attached a copy of the police report I filed to substantiate the fraudulent nature of these accounts and inquiries. Request for Immediate Action : I urge you to take immediate action to investigate and remove all unauthorized accounts from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX also the next 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

XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Closed accounts/Late Payment Reported by Macys and XXXX XXXXXXXX XXXX XXXX  Dear Sir/Madam , I am writing to formally dispute the inaccurate late payment reported by MACYS/CBNA and XXXX XXXXXXXX XXXX XXXX on my credit report XXXX According to the report, a late payment has been incorrectly listed on my paid-off account with XXXX XXXX XXXX which I believe is erroneous. 
I have reviewed my account and payment history with and can confirm that I have MACYS/CBNA and XXXX XXXX XXXXXXXX XXXX  never XXXX late on this account. The account has been paid off in full, and there are no legitimate reasons or instances where my payment was delayed or missed. I am requesting that provide docum MACYS/CBNA and XXXX XXXX XXXXXXXX XXXX entation or proof of any alleged late payment to substantiate their claim. 
Please provide me with the following documentation : 1. Proof of the late payment transaction, including the date and any supporting evidence that shows the payment was late. 
XXXX. A detailed payment history for the account, showing any delay in payment, if applicable. 
If MACYS/CBNA and XXXX XXXX XXXX XXXX is unable to provide such documentation or evidence to support this late payment, I request that you immediately take action to have this inaccurate late payment removed from my credit report, as it is a clear violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, any disputed information must be corrected or deleted if it can not be verified as accurate, and I request that this alleged late payment be deleted from my credit file. 
Please note that I expect this matter to be resolved within the 30-day timeframe outlined by the FCRA. If the issue is not rectified within this period, I will consider taking further action to protect my rights under the law. 
I appreciate your prompt attention to this matter and look forward to your response. 
Sincerely, XXXX XXXX