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

XXXX XXXX XXXX XXXX has re-aged a debt on my credit reports. On XX/XX/XXXX, I received a copy of my report from Equifax with a " date of first delinquency '' reported as XX/XX/XXXX. Yet, the debt remained after the 7 years were up. After several direct disputes and disputes with the credit bureaus, the account was deleted from all three of my credit reports. 
Recently ( and without notice ), XXXX XXXX XXXX XXXX re-aged the debt and added the account back to my Equifax credit report. I disputed the account with a copy of my original Equifax report dated XXXX XXXX as proof that the previously reported date of first delinquency was XX/XX/XXXX. This would mean that this debt is now obsolete. Yet, Equifax responded with an updated copy of my report dated XX/XX/XXXX which shows this company has changed the date of first delinquency to XX/XX/XXXX which is incorrect! 
This company is deliberately violating the Fair Credit and Reporting Act in an effort to keep this negative account on my credit reports. 
I have attached copies my credit reports from XX/XX/XXXX and XX/XX/XXXX as proof that the XXXX XXXX XXXX XXXX has re-aged this obsolete debt. 
If this obsolete debt is not deleted from my credit reports, I will contact the FTC and my attorney general due to multiple violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM INTRESTED IN DISPUTING ALL UNAUTHORIZED INFORMATION ON MY CREDIT REPORT. MY FILE IS NOT 100 % ACCURATE. PLEASE UPDATE THE INFORMATION CORRECTLY. I AM INTRESTED IN DISPUTING ALL INCORRECT INFORMATION THAT IS HINDERING MY CREDIT PROFILE.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, Equifax and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies XXXX XXXX, Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, Equifax, XXXX or XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card account with XXXX XXXX XXXX  on XX/XX/2018 in order to increase my credit score. Obviously I used it responsibly and paid it on time every single time, they even increase my credit amount from {$300.00} to {$450.00} in just one month. On XXXX I enter the iphone app and change the account to make payments from, and then a week later I noticed a " past due '' remark on the app ( did not receive a notification ). Supposedly, it was because of an error on the account information, which I verified and was correct. Tried to submit the payment again, and received a call a week later ( on XX/XX/2018 ) that my account was " past due ''. At that moment I authorized the representative to withdraw the " past due '' amount from my account ( the same one with the " error '' ) and he confirmed that the payment went through. I even authorized the remaining {$91.00} to be paid a week later as an automatic payment by the same phone transaction. All of the sudden and without any kind of notification my account was closed. I noticed because XXXX XXXX gave a notification. Today ( XX/XX/2018 ) I received a call from XXXX XXXX, again, about an error in my bank account ( after they closed my account without notification ), and I proceed to make the full payment with my debit card XXXX the one from the same bank account ), an option that was not presented to me before. Then I asked the operator to transfer me to the appropriate person to correct the information reported to my credit, as the account was closed by the credit grantor, and my credit score dropped 50 points, again without notifications, and not because I was not willing to pay, which was never the case. They even closed my access to my account over the internet or the phone app. I tried to find a way to fix this, and the ONLY option they gave me was to send via mail ( not email ) a letter from my bank verifying the account ( the same one I use to pay all my bills ), and he also said that it will take 7-10 business days to process this after they receive the letter, and that a separate dispute letter needed to be send to another department. And, I need this to be fixed right away, because of my credit score drop, and because it is all due to their lack of communication with me.
Product: Mortgage

I have XXXX mortgage with Huntington. My mortgage balance drops below 78 % in XXXX XXXX. According to the federal homeowners protection act ( HPA ) and Huntington documents, the lender must cancel my private mortgage insurance when the balance drops to 78 %. However, the lender never removed my PMI automatically accordingly. 
Since the end of XXXX, I have tried to contact this bank to remove my PMI many times, including phones, emails, Huntington bank XXXX account. They always denied my requests without providing explanations. 
It took me over XXXX months to communicate with them. It's very hard to get in contact with them and communicate with them effectively. Also, they never fixed on my PMI removal. 
I have received XXXX mail from them. In this letter, they said my loan to the original value of the mortgage loan is at 77.9 % and I meet all requirement to remove my PMI except evidence that the value of the property has not declined below its original value. 
According to my understanding, they thought it as " XXXX requested cancellation '' rather than " automatic termination, and so they denied my PMI removal and required me to provide appraisal report at my expense. However, according to XXXX and their documents, they should have removed my PMI as " automatic termination '', because my balance already drops below 78 %. Although I told their staffs my understanding, their staffs are not professional and always not take my words seriously. What they said to me is always " let me wait for their feedbacks '' and then my PMI removal fails after days/weeks again and again. XXXX staff named XXXX XXXX told me that my PMI would be removed in XXXX according to their time rules. In weeks, he told me he made a mistake and said to me that my PMI would be removed if my balance drops to 70 %. How 'professional ' he is.
Product: Mortgage

Newrez continues to add additional fees to the amount owed on a property that I sold over a month ago. It seems predatory and malicious that they are able to continue charging me a monthly mortgage payment on a loan that I already paid off and add fees without consequence.
Product: Credit reporting or other personal consumer reports

At the beginning of XXXX, I had massive attempts at identity theft. I submitted disputes to Transunion for the removal of the unauthorized inquiries and provided the required documentation to remove the fraud, i.e. FTC Affidavit.

After numerous attempts to get the inquiries removed unsuccessfully, I submitted a complaint through the CFPB to Transunion. Transunion responded that they had removed the inquiries from my credit report, however to date, those inquiries are still present on the report. 

My last communication with Transunion about the inquiries in question was XX/XX/year>. On XX/XX/year>, Transunion told me via telephone that the inquiries were no longer there. However, they are visible to me and to the public. 

Please see the below inquiries that Transunion reported to the CFPB were removed from my consumer report. 

XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has violated several federal laws and are reporting inaccurate information on my credit report without being able to provide proper validation/verification of debt as required by law. On XX/XX/XXXX, I sent a Validation of Debt request under 611 ( 15 U.S.C. 1681 ) and asked for physical verification of the consumer contract under Section 609 ( a ) ( 1 ) ( A ). Please see attached XXXX did not respond within ( 30 days ) the time frames required by law, so I sent a No Response within 30 Days letter which was received by XXXX on XX/XX/XXXX. Please see attached On XX/XX/XXXX, I sent a third letter to XXXX requesting Validation of Debt under Section 609 ( a ) ( 1 ) ( A ) which specifically requires XXXX to prove the physical validation of a signed contract between myself and the alleged creditor. Please see attached. 
This is a complete violation of the law, and this is also hindering me from gaining proper housing. I do believe if XXXX could legally verify the account in question they would have sent proof by now. Since they have not and fail to remove the inaccurate account from my report they should be fined and held to the standard of the FDCPA. 
To date XX/XX/XXXX, I have yet to receive any investigation results. These are clear violations of the law.
Product: Credit card or prepaid card

I opened a BMO cash back credit card in XXXX. Per the promotion, I'd get {$200.00} bonus after spending {$2000.00} within the first 90 days after the account is opened. {$2000.00} was spent in late XXXX and got posted in early XXXX. However, I still haven't received any opening bonus yet. I stopped by the local branch in XXXX and the banker told me to come back in XXXX if the bonus is not posted till then. I came back to the branch in XXXX and was told that the bonus would be posted in the XXXX statement. However, I still haven't got it yet till NOW. 

I'm so frustrated with BMO bank, and I would greatly appreciate it if CFPB can help step in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, never gave ( XXXX XXXX, Equifax, XXXX, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached to this dispute. They also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose 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 ) In accordance with the written instructions of the consumer to whom it relates.

As a consumer, I am demanding the deletion of the following accounts and that my credit score be updated in light of these changes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If the account is already deleted then disregard that specific account. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of XXXX Student Loan account opened at : XXXXXXXX XXXX XXXX XXXX {$5600.00} DATE : XXXX, XXXX XXXX XXXX XXXX XXXX  {$5100.00} DATE : XXXX, XXXX XXXX XXXX XXXX XXXX {$3800.00} DATE : XXXX, XXXX XXXX XXXX XXXX XXXX  {$2500.00} DATE : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX {$2400.00} DATE : XXXX, XXXX XXXX XXXX XXXX XXXX {$1100.00} DATE : XXXX, XXXX I do not recognize the aforementioned accounts, or hard inquiries as reported. 

The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections,
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian dispute repeats what the creditor states, without any documentation or investigation from Experian 's point of view. Yet, it keeps damaging my credit score, with apparently no recourse for me. 

Reference to Experian Report Number XXXX Issue : XXXX ( credit union in TX ) reported wrongly on my file that I was late 30 days. I asked for documentation, and they refused to provide. 
I opened a dispute with Experian, and I was asked documentation to sustain my dispute. I provided it. 
XXXX response came exactly the same way as before, without any documentation, wrongly stating that I was late for 30 days. 
I asked Experian how was this determined, and I got no answer. 
Why is it possible that a credit union can put anything on a report, and when asked for documentation they do not have to produce anything? 
Can I get this item corrected?
Product: Mortgage

I had requested a mortgage payoff to refinance my mortgage and get lower payments 3 weeks ago my loan officer and I have requested it not a single email back at all from this company. Feels like they are trying to force me to refinance through them. Complete disregard for the customer and so much hassle.
Product: Credit reporting or other personal consumer reports

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX ncorrect CurrentAddress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Incorrect Name : - XXXX XXXX ncorrect Name : - XXXX XXXX XXXX ncorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Received a letter in the mail from Chase stating that I was denied opening an account that I had no knowledge of.I have never had an account with Chase bank. I have put a freeze on my XXXX  account and talked to Chase bank fraud department and said that it would take anywhere from thirty to sixty days to get the hard inquiry off of my account. It was dated XX/XX/2024.
Product: Credit reporting or other personal consumer reports

My dispute as not properly investigated by the credit reporting company " experian ''. They still have collections on my account that should be removed and they are also reporting false information.
Product: Credit card

I disputed a transaction due to the seller not sending me the correct item and not allowing a refund. I disputed the transaction with Capital One. They closed the dispute without asking me for any evidence of the dispute.
Product: Checking or savings account

Regions Bank has refused to follow through with my requests to dispute charges from a Merchant, XXXX. 

The past month, I have been receiving letters from Regions Bank refusing to refund me or complete the dispute process in my favor. They have not provided any relevant information that is sufficient, clear and concise, or satisfies preponderance of evidence. They return to me a letter saying they believe the transaction is authorized simply because of a history of previous transaction. However, I specified three charges from the merchant which were unauthorized. I explained how the product from the merchant broke upon leaving the store and they refused to refund me. I suffered XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and neither the merchant or my bank have acted in good faith. This is incredibly frustrating and offensive. Regardless of whether I have had previous interactions with the Merchant, I have reported the transactions at least twice within the past 30 days and continuously receive a denial from my bank, with no reasoning other than their default " You've had transaction here before, so how is it likely these transactions are disputable ''. It is insulting and I am weary of the blatant disrespect, and trivial games.
Product: Checking or savings account

I transferred money to my bbva account from an external account on XX/XX/2020. I received a message from my external account that it was Sent and the time it was sent and when it arrived there. BBVA however have not posted the funds even after they opened
Product: Credit reporting, credit repair services, or other personal consumer reports

I started an application for an auto loan but never submitted it. I just filled out the initial information about me. I did not submit it because i was waiting for my credit score to improve as indicated on XXXX XXXX. Next thing I know, NFCU did a hard check. I tried to resolve this with the company, but I got told off. They claim I agreed to let them do a check just by beginning to fill out the application. I asked for them to provide that agreement to me and they could not. I demanded they remove the hard check. They did not.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Opened on XX/XX/XXXX Account Name : XXXX/DEPT OF ED # XXXX Opened on XX/XX/XXXX Account Name : XXXX XXXX Opened on XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not updated the information. They will take something off and then add an old account showing a charge off. I have sent 1099A and 1099C to IRS 6-9months ago and Experian refuses to update. I have several credit companies I use to check my credit and EXPERIAN NEVER GETS IT RIGHT! Putting my credit in constant trouble afte I have already discharged the debt with IRS. ALL COMPANIES HAVE BEEN NOTIFIED AT LEAST 3/4 times in the last 2 years. 
I provided an accurate up to date credit report from XXXX. 

XXXX XXXX XXXX  A proposed class action lawsuit has been filed against XXXX XXXX XXXX XXXX XXXX XXXX which the suit notes also does business as XXXX XXXX and XXXXXXXX XXXX  XXXX XXXX over claims that the company violated the Fair Debt Collection Practices Act ( FDCPA ). The plaintiffs in the case, a married couple, allege that they received a collection notice from the defendant that stated they owed {$330.00} in undisclosed fees. The suit argues that these collection fees were not authorized by the plaintiffs contract with their creditor and were therefore illegal.
Product: Debt collection

There were two lines of store credits cards open under my name. All my information was used to open those two-store credit cards ; my name, home address, email, phone number, DOB and social security information. 

I was informed there was a XXXX XXXX XXXX under my name by an email received on XX/XX/year> that disclosed the statement and the amount that was owned. The amount owned is XXXX. I informed XXXX that I did not open the credit card line, and they reported it to their fraud department.

I was informed there was a Target credit card under my name by a Target representative calling me directly to collect a payment. I am unsure when the calls started but possibly early XXXX. I called Target 's fraud department and reported this as a fraud as well.