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

I am requesting the deletion of inaccurate, re-inserted, and fraudulent accounts on my consumer credit report. After reviewing my credit report, I am NOT responsible for these accounts. 

15 U.S. Code and 1681c-2, a consumer reporting agency shall block the reporting of any information in the consumer 's file that the consumer identifies as information that resulted from an alleged identity theft not later than four business days after the date of receipt. Please delete these items IMMEDIATELY! 
15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) by the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. 
15 U.S.C 1666b ( a ) A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) states 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.

15 USC 1681 ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report and no other By the written instructions of the consumer to whom it relates.

15 U.S.C 1681c. ( a ) ( 5 ) Section which 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 USC 1681 s-2 ( a ) ( 3 ) clearly states If the completeness or accuracy of any information furnished by anypersonto anyconsumer reporting agencyis disputed to suchpersonby aconsumer, thepersonmay not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer.

15 USC 1681i ( a ) ( 5 ) ( B ) ( i ) Reinvestigations of disputed information : Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file under subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!

I demand you cease under federal laws 15 U.S.C 1692c ( c ), and you are in violation if you continue to report this inaccurate information. 

I have identified specific inaccuracies that do not reflect the correct details or circumstances. Attached, you will find documentation supporting my claim and demonstrating the discrepancies.
Product: Checking or savings account

Over the years I've tried to open an account with Chase but have been denied. I spent a lot of time trying to figure out why I was being denied and have never gotten a straight answer other than I have a very old derogatory account. I believe that this is correct but the account is due to identity theft and should be written off. I'm trying to get a loan through Chase mortgage and can get a better rate if I have a checking account with them but I'm being denied because I'm a victim of identity theft. I would like to do anything possible to resolve this so I can have an account with Chase
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, Syncb. XXXX, FL, XXXX made a hard inquiry on my credit. I did not apply for any credits or credit cards for over a year. It is an identity theft.
Product: Debt collection

i took out a pay day loan in XX/XX/XXXX and could not pay it back with XXXX in XXXX sc in XX/XX/XXXX i get a call that from the XXXX and was told to talk to XXXX and he said i need to pay them or it would be a law sute in court i ask for proff to be sent to me in the us mail he said no we donot have to do that i then set up a payment plain to pay XXXX in XXXX payments i did the XXXX XXXX payment of XXXX and the last one was due in 2 weeks i could not do i get call from them on XX/XX/XXXX that my file was going to be sent over to sc for me to go to jail
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$60.00} ; XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX Balance Owed : {$880.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

I had paid for a year in advance for garbage disposal from XXXX XXXX, their service was horrible so after a year I did not renew. They came and got the garbage cans. They are now demanding more money {$120.00} and have turned this or to Caine and Weiner. who are harassing me. I paid XXXX XXXX in full
Product: Mortgage

Caliber Home Loans states that they have provided us with a modification. 
I have not been provided a loan modification on my loan or property. Caliber has denied my claim and has continued to deny and drag our case.
Product: Checking or savings account

Ive had multiple checking accounts with navy federal credit union. They have charged me extensive overdraft fees on on multiple accounts knowing letting transactions go through without funds being in my account then charging me fees. These fee have caused these accounts to close and it now effects my daily life. Ive tried to get these fee reversed but they will not do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

Accounts in violation : XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  XXXX Acct # XXXX 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1692C Without the prior consent of the consumergiven directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting or other personal consumer reports

The creditor ( XXXX ) deleted the item but Equifax did not remove it from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Our loan sold from XXXX XXXX XXXX  to XXXX XXXX XXXX. XXXX XXXX XXXX mailed us a statement with a customer service number as well as website. Their website XXXX has been down for a number of days and when calling their XXXX number you get the message that it's down due to technical difficulties. They are in a sense trying to force you into a late payment which I have never been late on. How are you supposed to ensure payment to a company that seems to not exist?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed my credit information to be breached due to improper security protocol. This required me to freeze my credit as well as paying all 3 of the credit reporting agencies ( $ XXXX/each - including, inappropriately to Equifax themselves ) to put this freeze on my information. 

Not only was Equifax negligent in their security protocol, they also did not disclose this breach of information for over a month.
Product: Debt collection

I believe the account is invalid. LVNV FUNDING needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged accounts were transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the following accounts to be removed from my credit & their records. LVNV FUNDING XXXX and LVNV FUNDING XXXX
Product: Debt collection

someone keeps calling from XXXX saying they have complaints about me. they are using my previous married name ( which i have not used since 1987 ). So clearly scam they leave a message since i have the number blocked telling me to call another number, which belongs to Miller Stark Klein and associates please make this stop. I do n't have any complaints, my debts are up to date and they keep calling every 2 days. thanks
Product: Credit card or prepaid card

InXX/XX/XXXX or XX/XX/XXXX I signed up for automatic payments for a Bank of America credit card that I had recently received. The bank defaulted to minimum monthly payment. I immediately changed the setting to pay the total balance due.

My XX/XX/XXXX statement ( due XX/XX/XXXX ) included an interest charge because the XX/XX/XXXX payment was for less than the total balance due.

Today (XX/XX/XXXX) I called up it took me at least 5 minutes to get to a person and 40 minutes to get to the correct agent. That agent told me that the full payment would not go into effect until XX/XX/XXXX. *** I strongly suspect that the bank intentionally delays when it will go into effect so that they can charge consumers extra interest. *** The agent could not change my payment over the phone, so she told me to log in again to pay the difference. The amount she recommended did not account for the credit that she was making to the interest ( she said it would be credited in " 1-2 days '' but recommended that I assume that it would not appear until after the XX/XX/XXXX due date. I insisted on subtracting that from the total so that I would not end up with a credit balance.

The agents I spoke with were friendly and helpful but the bank 's systems were either very poorly designed or were designed to cause consumers to give up in frustration and pay the bank unnecessary interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I wrote to you requesting an investigation into items that I believed were INACCURATE. To Date, I have not received a reply from you or any acknowledgement that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my Second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations for credit reporting agencies are regulated by the federal trade commission ( see 15 USC 41 et seq ). I am maintaining careful records of my communication with you on the matter for the purpose of filing a complaint with the FTC should you continue in noncompliance.

Pursuant to Sec. 809 ( b ) of the Fair Debt Collection Practices Act requires that the consumer disputes the debt or requests identification of the original creditor in writing and that the collector must cease collection until he verifies the debt and mails a response. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts have hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Please remove all non-account holding inquiries over 30 days old Please add a Promotional Suppression to my credit file Please remove all accounts that are not Metro 2 Compliance
Product: Money transfer, virtual currency, or money service

I was scammed with a fake platform with XXXX. This is my first time submitting it.
Product: Credit card

XXXX XXXX store credit card company XXXX XXXX XXXX XXXX XXXX for assistance XX/XX/year>. Was misled that the credit protection being offered at the time was credit protection program i had been paying monthly for since inception of getting the credit card. I was told this assistance program in the pandemic would still require me to make payments each month. I later discovered that after I unknowingly signed up for the creditors self created program, the creditor took steps internally to cancel the real credit protection program underwritten by the third-party credit protection program vendor. ( I was provided this information by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  did this XX/XX/year> ). 

The disparaging part of this program that I was put on believing it was of financial assistance but yet it required monthly payments, ( that were lower than my regular payments, but were still required, ) and although they kept the fees at bay it did not reduce my balance. I ended up having to pay my balance down to the levels they outlined ; within XXXX  days of this, the creditor reduced my credit limit by the paid off amount ( not discussed or understood as a part of their program ). The subsequent immediate reduction of available credit was justified in a letter to me claiming they did a periodic review of my credit report. The time was highly coincidental and suspicious considering, they had never done this before for the nearly XXXX  years i had the card and was able to pay it routinely. 

The reduction in credit, of course since it was no longer an XXXX available on my credit report, impacted my credit and financial standing even more. Additionally, the payments I had to make monthly under this protection plan actually caused a more of a burden during a very difficult time. After finally being able to track down the information and the benefits I would have received from the third-party protection program that I paid for the entire balance of my card would have been paid based on the program terms that I knew I clearly met. Additionally, I would not have had to make any additional payments, and therefore my credit and overall financial standing may have been in a far better place than what had occurred. The credit protection would of course protected my credit and during the time of the plan issued by XXXX financial I was still reported monthly as being past due and late.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were applying for a home loan, had something on credit report that was n't ours, now that got taking care of, but in the process of dealing with all  XXXX  credit bureaus  XXXX , Experian,  XXXX  we found out they all out sourced ALL  AMERICANS CREDIT IN FO, to what we believe was  XXXX . I tried to get them to tell me what country I was calling and they refused to say! They also would not give me their name or even an employ number and when they found out we had them on record or speaker phone they refused to talk to us, now keep in mind that is the first thing you hear when calling them , " this phone call will be recorded for training purposes '' We want all credit info to stay in the United States of American. It ridiculous that Americans complete personal info is being shipped to a foreign country, for, who know who, to see and use and they are getting every bit of our personal info, Social Security numbers, phone numbers, name, addresses, jobs, jobs phone numbers, dependents and credit card numbers .We want to know why is something as important and personal as credit report is being treating in thi s way!
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 TD Bank is blocking my external application to transfer my funds from my account to XXXX XXXX. 
I called Td Bank and they refused to unblock my account access
Product: Credit card

TransUnion Credit Reporting Agency has failed to accurately resolve my dispute with my account at XXXX XXXX XXXX XXXX. This account is Paid In Full. My TransUnion dispute was not verified with XXXX  and instead I was given a status of : NOT CHANGED. This has happened before when submitting a Dispute with TransUnion. 
I have never had problems with XXXX or XXXX when updating my credit or disputes.
Product: Debt collection

I keep getting Harassed from spring oaks capital asking for XXXX and I been owning this phone number for over XXXX XXXX. Ive told Spring Oaks Capital to stop harassing me and they havent been stop calling me and texting me. I blocked over XXXX robo calls from them asking for my money. I never heard of them and I dont know a XXXX XXXX Its very annoying and they need to stop calling me. They are harassing me asking for XXXX and saying I owe money. Ive told them to take me off their call list and remove my number and they continue to call me constantly. And I get text I block and block them. They are SCAMMERS!!! ROBO CALL not a person on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of unauthorized items which do not belong to me or were opened without my permission. 

XXXX XXXX : XXXX XX/XX/2020 XXXX COLLECTION : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  Balance : {$840.00} INQUIRIES : XXXX XXXX XXXXXX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXXXX/XX/2020 XXXX XXXX XX/XX/2020 EXPERIAN COLLECTION : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Balance : {$840.00} INQUIRIES : XXXX XXXX XXXX XX/XX/2020 XXXX XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XXXXXX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX  XX/XX/2020
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by all bureau . Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 
After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : Here is a breakdown of potentially inaccurate information : 1. Number of Months ( Terms ) : XXXX shows 0 months as terms, which is inconsistent with TransUnion and XXXX, both reporting 78 months. 
XXXX. Comments Section : XXXX has Auto Fixed rate listed in the Comments section, while TransUnion and XXXX do not have any comments. This inconsistency might indicate missing or unnecessary data. 
XXXX. Date Last Active : TransUnion lists XX/XX/XXXX, XXXX lists XX/XX/XXXX, and XXXX lists XX/XX/XXXX. These dates are inconsistent. 
XXXX. Date Opened : TransUnion shows XX/XX/XXXX, while XXXX and XXXX list XX/XX/XXXX. 
XXXX. Last Reported : TransUnion and XXXX both list XX/XX/XXXX, but XXXX lists XX/XX/XXXX. This discrepancy could cause issues. 
6. Two-Year Payment History ( Late Payments ) : The 30- and 90-day late payment statuses differ slightly across the bureaus for certain months. For example : XX/XX/XXXX shows XXXX for TransUnion and XXXX but XXXX for XXXX. 
XX/XX/XXXX has XXXX for XXXX and XXXX, but XXXX for TransUnion. 




Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ]. 
I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 
Sincerely, XXXX XXXX XXXX XXXX : CFPB FTC States Attorney General
Product: Credit reporting, credit repair services, or other personal consumer reports

Credco made so many hard inquiries to my credit report during my credit counseling and mortgage refinance that it dropped my credit score below the amount allowed for the loan I was requesting. There over 10 inquiries in the last 30 days. This is too many and ridiculous. The very importance for inquiry process was to help me get my house refinanced, not prevent me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Im a Bank Of America costumer and Im trying to use XXXX  to have an Instant Verification to confirm my bank account since Im going to start doing trade currency and my broker is XXXX and and XXXX  is telling me my bank blocked me from doing the XXXX  Confirmation.