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

I am filing this complaint against Experian for failing to provide the method of verification regarding disputed accounts. In CFPB complaint XXXX, Experian responded XXXX that the company verified that the disputed information was accurate as reported. However, under 15 U.S.C. 1681i ( 7 ), the Method of Verification requires that credit reporting agencies provide specific information on how they verified the accuracy of the disputed data. 

XXXX response was insufficient and did not include any valid evidence or thorough investigation into the accuracy of the reported information. The accounts in question are OFFICE OF THE ATTY XXXX XXXX and XXXX OF THE ATTY XXXX XXXX. 

In XXXX v. XXXX, the court made clear that credit reporting agencies must do more than passively accept a creditors verification. They are required to take independent steps to investigate the validity of the information, rather than relying solely on the original source of the error. By failing to do so, Experian is in violation of the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  attempt contacting the credit bureau about the afore mentioned accounts. These accounts do NOT belong to me and I ask that they be deleted from my credit profile. 

FDCPA Section 807 Violations Mispleading False Reporting XXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy XXXX XXXXdischarged Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX Account Info Reference Number XXXX Court XXXX XXXXT XXXX  XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$570.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$570.00} {$570.00} Payment Info Original balance {$570.00} Balance {$570.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed UNAUTHORIZED INQUIRIES on my credit report. Someone else applied in my name. 

According to the FCRA, these UNVERIFIED and UNAUTHORIZED inquiries must be removed. 

CREDIT BUREAU : EXPERIAN INQUIRIES : XXXXe b XXXX XXXX XXXX XXXX Card XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Card
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been given a forgiveness for loans due to lifetime XXXX. All documents submitted, some credit company reflects close but showing 120 days late delinquent, all three credit companies don't match. Filed disputes directly each reported agency and with us treasury. This is 2nd time in 6 years they suddenly reappear on my reportXX/XX/XXXXthey all posted again I dropped XXXX points one night. Now they are one by one fixing them as not due but not removing derogatory late payment remarks. Also loans were taken out under previous name XXXX XXXX XXXX. Legal name as of XX/XX/2018 is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Experian via/ dispute that they are reporting my date of birth, name and address inaccurately and with that inaccurate personal info they are connecting to several accounts from same provider as being my accounts, out of those inaccurate accounts the two that are recent were account # XXXX and # XXXX, I did not get any cooperation from Experian to use the many documents I have sent them to correct and remove the incorrect accounts and was forced to file a complaint with CFPB on XXXX XXXX, file number XXXX-XXXX, since then the company had remove one of the two disputed inaccurate accounts account # XXXX and remain the second inaccurate accounts # XXXX and as of today XX/XX/2021 the Experian still have not corrected their record to reflect my correct Address and my correct Date of Birth.
Product: Payday loan, title loan, or personal loan

I need your assistance to resolve an issue with Chase Bank which I tried to resolve on my own.     I received a letter from Chase on  XXXX  that they were cutting off my line of credit effective immediately. I went to my local Chase branch and spoke with the  Private Client Banker.    Th e Private Client Banker  called the    XXXX   XXXX   XXXX    for clarification, at which time he put the call on speaker phone. We were told that I have to  make 3 payments bef ore they would set the terms. Nearing  the 3rd payment, the   Private Client Banker ca lled th e    XXXX   XXXX   XXXX   again asking for the terms. He was told it was for 5 years but still must determine the rate.     After th e 3rd paym ent cycle was made and I didnt get my rate, I went back to my local bank to inform the  Private Client Banker o f not receiving my rate. Again, th e Private Client Banker ca lled the    XXXX   XXXX   XXXX   in  my presence.     We were told by a representative from t he   XXXX   XXXX   XXXX   tha t I must make another payment, which would be a 4th payment before they would calculate the terms and interest rate, so I made  a 4th  payment.     I received a call on  XXXX  from th e   XXXX   XXXX   XXXX   an d was told they were giving me a 36-month repayment plan, which is what I currently have. When I informed the representative from the    XXXX   XXXX   XXXX   that a 5year pa yback was the deal, she said no that it wasnt.     As a result, I tried to do a loan modification with them and they denied my application. Again, I tried to work with Chase but they are not dealing in good faith.     Why would  Chase have me make a 4th payment only to give me a 36-month pay b ack plan when Ive had that plan for 20 years!     I never missed a payment and paid more than the minimum due. In addition, I asked them numerous times for the promissory note from  XX/XX/XXXX which they cant seem to find to send it to me.  The  XX/XX/XXXX  a lso informed me that during a dispute I didnt have to make payments.     All this is recorded on line and in the presence of their company private banker at my local Chase bank.
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 : Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX 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: Checking or savings account

Someone tried to send me {$200.00} via XXXX and it did not go through. I called and inquired about why it didnt go through the next day and was told the activity was reported as fraudulent and the closed my accounts. I have a Personal checkings and savings and a business checking and savings. Also, I am on joint accounts with my wife. 

I have been with navy federal since XXXX or XXXX. And aquired the membership because my wife was serving in the XXXX  XXXX  XXXX XXXX at that time. 

I have been having issues with my accounts with XXXX XXXX because of the product XXXX that they offer. 

I am beyond disappointed with their inability to directly speak with XXXX and XXXX who processes and monitors their XXXX transactions to give me answers. And that they closed down my accounts for this. The last person I spoke with over at Navy Federal was a supervisor in the security department and he was rude and notated my account to not be able to do a Security appeal. This is causing not just an inconvenience in my life and my familys lives but also extreme XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello today is XX/XX/2019 i pull my experian report its a account that been killing my score with alot off miss leading late dates that is not correct and i been trying to get experian to fix this accounts for months now and they will not budge XXXX and XXXX have fix the problem with in 30 dys by removing the whole account off my report the account iam talking abount is Accunt # XXXX XXXX XXXX payment stautus charge off balance {$15000.00} original balance {$13000.00} ok here are the tricky part the have over 5 120  days lates its not ture and i demand experian to fix this asap or remove the total account off my report they have alot of 90 day and 30 day lates that is a fraud and they will not remove of fix nothing they just run my dispute in there computer system and keep coming back verfield but thats not right i work 12 hrs a day and i be XXXX if i can let experian get away with the service they run over there why is it so hard to remove this XXXX off my report they just pray on people to live with bad credit rest of there lives plz i need this account to be fix NOW
Product: Debt collection

This company is reporting a debt not owed to the credit reporting agencies that is damaging my credit. I do not owe this debt and have tried repeatedly to contact the collections agency to have this debt removed.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I placed an order for {$190.00} for boots from a company that advertised on XXXX. I could tell that it was not legitimate as soon as they sent the confirmation number. I emailed the company and asked for a refund. I went back and forth with them for a while and they eventually sent me tracking information and said that I need to contact the post office if I didn't receive my goods. I went to the website they gave me and looked up the tracking number and it says that the package was returned to sender. I disputed the charge with cashapp and provided evidence that I got scammed but they denied my dispute claiming that the company fulfilled their duties. I asked for the documents that they used to come to that conclusion multiple times and was ignored every time. I called customer support and was told that they weren't allowed to tell me anything and that those were orders from someone higher up. I asked them to transfer me to their supervisor and again, they said they weren't allowed.
Product: Debt collection

Please be advised this is my second complaint about Absolute Recovery Services , LLC. As stated in my previous complaint Absolute Recovery Services , LLC is violating the FDCPA by attempting to collect on a debt which is PAST THE STATUE of LIMITATION. The account became delinquent in XX/XX/XXXX and there have been no recorded payments on this account since XX/XX/XXXX. Furthermore the terms of this contract expired on XX/XX/XXXX. In addition this account is not accurate and complete. There is hand writing deleting specific account transactions and hand writing indicating an amount owed different from mathematical calculations generated in the computer. The amounts seem arbitrary and inconsistent. Finally Absolute Recovery Services , LLC is not license and bonded to collect in my state. By continuing to report this account to my consumer credit report and attempts to collect on this account are a violation of the FDCPA. This account is past the statue of limitation, not accurate and complete, and Absolute Recovery Services , LLC is not licensed and bonded to collect in my state.
Product: Mortgage

I was wrongly charged for flood insurance after already securing qualifying flood insurance. When I presented this to the mortgage servicer, they said it would be removed from my account. I see that the flood insurance policy was canceled yet I am still be forced to pay escrow payments for the nonexistent policy.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this name XXXX XXXX XXXX acc XXXX name XXXX XXXXXXXX acc XXXX name XXXX acc XXXX name XXXX XXXXXXXX XXXX XXXX acc XXXX name XXXXXXXX XXXX acc XXXXXXXX name XXXX acc XXXX name XXXX XXXX XXXX acc XXXX name XXXX XXXX XXXX XXXX acc XXXX acc XXXX name XXXX accXXXX name XXXX XXXX acc XXXX name XXXX XXXX XXXX acc XXXX name XXXX XXXX acc XXXX I NEED EVERTHING REMOVED WITH IN XXXX TO 30 DAYS THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to XXXX XXXX  unlawfully resubmitting a closed account under a new account number in which they themselves closed and reopened. The action I want taken is it completely scrubbed from my credit history the fraudulent information. The account started in XX/XX/XXXX and closed on XXXX of XXXX by credit records. When it was opened the amount was {$44000.00} and when it closed it was at {$6000.00}. XXXX closed the account as of XX/XX/XXXX zeroed out the remaining balance reporting that I was no longer under obligation for this account. Then they reopened the account under another account number and resubmitted it to all credit bureaus. I reported to the credit bureau a dispute of the fraudulent activity and an investigation has begun. The investigation by XXXX XXXX was XX/XX/XXXX and by Equifax XX/XX/XXXX.
Product: Mortgage

On XXXX XXXX of XXXX, I contacted my mortgage company after receiving a statement with a balance of XXXX. Since then I have had concerns and questions about it and I still have not received any answers. I have been a victim of an unlawful foreclosure. I have called numerous times and spoke with reps and supervisors before the sale date, which was on XXXX XXXX. They only lied and guaranteed me that they would do their research and call me back. Needless to say they did not. I spoke with the foreclosure attorney and he gave me his direct contact number after I told him everything I have paid out and my issues. He even realized that something fraudulent had taken place. He also told me that he would call me in a couple of days after his research and if not to call him. He did not call so I called him and left a message. He did not return my call, so I waited another day and called him back and now he has an invalid number. My initial question was, why is my mortgage company charging me for arrears that I paid through my bankruptcy, in the amount of XXXX. It was completed and I was XXXX in XXXX XXXX. I also had a loan modification in XXXX which should have taken care of those arrears.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX DOB XXXX/XXXX/XXXX ESCALATE THIS TO YOUR LEAGLE DEPARTMENT IT HAS AN ORDER THAT MUST BE FOLLOWED TO REMOVE THE BANKRUTCY THIS HAS BEEN IGNORED I NOW HAVE THE COMPLET ORDER READ PAGE XXXX OF THE ORDER. 
DO NOT USE E- VERIFY OR XXXX XXXX YOU MUST READ ALL DOCS 1. Old address on page MUST BE REMOVED 2. OLD AND CLOSED ACCOUTS DO NOT HAVE HIGH BALANCE SEE XXXX FOR HIGH BALANCE OF XXXX AND PAYMENTS OF XXXX MUST BE REMOVED 3. XXXX XXXX BALANCE IS INCORRECT 4. XXXX BALANCE IS INCORRECT 5. SECOND XXXX BALANCE IS INCORRECT 6 XXXX IS A CLOSED ACCOUNT MUST DELETE HIGH BALACE AAND PAYMENTS XXXX BANKRUTCY MUST BE DELETED VIA COURT ODER SEE PAGE XXXX OF ORDER I HAVE SENT YOU THE COMPLETE ODER AND I AM IN THE SETTELEMENT DOCKET # XXXX CASSE NUMBER XXXX YOU CAN CALL THE COURT AT XXXX TO VERIFY ORDER
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I had been laid off work and was also out for XXXX for ten days without pay. I called Ally Financial to see what type of help I could receive because at this point I was already a few weeks pass the due date. I talked to one of the customer representatives to see what kind of help was available. The Rep told me to just set up a payment online. I told the representative I would not be able to pay until the following Friday which would make be 30 days late if ensured me that as long as I made the payment arrangement before the 30 days they would not report it as being late. I asked was the call being recorded because I am in the middle of a loan for a house. I made the arrangement and the money was paid out XXXX XXXX. My loan officer informed me that I had a 30 day late on my credit report and I was no longer eligible for the loan. I would also lose the monies I paid for the home inspection and appraisal. I also would lose my earnest money deposit. I called Ally Financial and informed them of all of this and they said if that is what the representative said they would honor that and fix the error. Nothing has happened and I stand to lose everything I worked hard for to buy my home.
Product: Checking or savings account

On XX/XX/ I received a call from Umpqua Bank 's fraud hotline regarding a purchase I did not make. Upon reviewing my account, I noticed 4 charges that were fraudulent and not performed by me. The charges in question were for : XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$540.00} XXXX XXXX {$130.00} USPS.com XXXX {$9.00} By the time I received the call for the fraud charge, it was one for XXXX XXXX XXXX that would have overdrawn my account. 

I called Umpqua on XX/XX/ at XXXX to report these transactions as fraud. I was told at this time that I could not get any type of provisional credit for the funds that were stolen. 

I called again today, XX/XX/ in an effort to get a provisional credit, since most of my money was stolen. I spoke to a representative that told me provisional credit was not able to be issued. I escalated to a supervisor named XXXX, who told me the same, and again to a manager named XXXX who again told me that provisional credit could not be issued. Additionally, XXXX told me that they had 10 days to investigate and that a provisional credit may not be issued after 10 days either. 

It is extremely disheartening that Umpqua Bank compromised my information in a data breach in XX/XX/XXXX XXXX  and then when there is fraud on my account and the majority of my money stolen, they are not willing to provide a credit so that I can pay my bills.
Product: Checking or savings account

I have a Wells Fargo account, I am required to make 10 monthly transactions to avoid a {$14.00} monthly service fee. I made the 10 monthly transactions and Wells Fargo still charged me the {$14.00} monthly transaction fee. Wells Fargo is scamming customers by charging them a {$14.00} monthly service fee by stating the customer made less than 10 monthly transactions even though the customer made 10 or more monthly transactions. This has happened to me several times. It just happened again on XX/XX/19!