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

On last year XX/XX/year>, I contact the CFPB regarding Experian Credit Reporting. Experian continue to show Fraudlent information for XXXX and XXXX on their Credit File that's not correct. I have a personal account I have set-up with XXXX and XXXX where as my Credit File are both frozen. When I pull up my Experian Credit File I see XXXX and XXXX listed on the Experian Credit File as well. If the information Experian is correct, I would not have a problem with. Experian has my XXXX credit file listed as I owe an installment Loan in the amount of {$17000.00}. On my XXXX XXXX XXXX Experian is reporting I owe {$980.00} in collection and another amount of {$170.00} from a no name collection agency. My Experian Credit File has NO Credit Score listed. Why? I feel Experian is punishing me for having to remove the Diversified Collection Agency from my credit file ( Medical Debt ) my report an lying about my XXXX and XXXX Credit Score. My Score for XXXX shows a XXXX ( no open accounts nor collections ) credit score. Experian is showing XXXX as XXXX, XXXX is showing a Credit Score of XXXX ( no open accounts, no collection ) Experian is showing a XXXX with collections. These lies has to stop I have spoken with XXXX and XXXX and was told Experian should not be reporting any information about another Credit Reoprting without my persimission.
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX in XXXX, CO. It was financed by Westlake Financial. I was doing payments but I missed XXXX, XX/XX/XXXX, and until today 3 days of XXXX a total of 62 days default. The company kept blowing up my phone with robocalls and generic emails asking me to contact collections. The pre-recorded voicemail calls used different phone numbers and it was impossible to know the source. The last email was received on XX/XX/XXXX. I talked to them in XX/XX/XXXX and let them know I did not have a job and it was in hardship conditions. On XX/XX/XXXX I went outside and the car was gone. I called XXXX XXXX Police, I thought the car was stolen or towed. The police said the car went to a repo. Westlake Financial did not notify me or gave me a notice of default, just generic emails with fake offers to extend payment. I called Westlake Financial multiple times to figure out the situation. They rudely demanded full payment, plus repossession fees and storage payment for a total of {$1300.00}, then they lowered it to {$1100.00}. I signed in to my Westlake Financial account and the past amount due is {$760.00}. They repossessed the car without notice and they are forcing me to pay repossession expenses without any written notice. They refused to tell me where the car is stored but the phone number and name of the company. I emailed customer care about unlawful repossession and they did not answer it. They are perpetrating unfair debt practices. Supervisor XXXX was rude over the phone and demanded to pay immediately or he will keep adding storage fees until I pay them. All these are verbal, and nothing is reflected on the ledger or loan statement. Those repossession fees are not charged to my account and they just keep giving me inaccurate balances to cover repossession when I call them.
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. '' 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. '' ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies 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 Equifax, XXXX and XXXX, ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) 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. Equifax, XXXX 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: Bank account or service

I went to XXXX XX/XX/XXXX - XX/XX/XXXX. The first night my card was fraudulently charged in the amount of {$1600.00}. The remainder of the trip, my account was in the negative. I attempted to call Chases 's international number numerous times and call would not go through. I also sent 23+ emails through the Chase app secure message feature. I also received emails appearing to be from " Chase Online '' but were actually from XXXX asking me to click on a link and that my account has been temporarily suspended. Chase contacted me Sunday night to notify me the {$1600.00} charge was not fraudulent, and that the merchant read my chip. I am now almost {$2000.00} in the negative from these fraudulent charges from a purchase I never made. Chase will not refund the charges, I was robbed and they 've done nothing to assist me with resolving the issue and do any further investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, i looked on my report an experian and XXXX .i keep calling them for my report and anything change .they told me they remove the closed account and report but nothing. 
it is so wrong and crazy but they are not doing their job.
Product: Credit card or prepaid card

I submitted a fraud claim against XXXX for the amount of {$140.00} and a Navy Federal Credit Union fraud specialist responded to XXXX by crediting them back {$75.00} that was erroneously put into my account. My claim hasnt been resolved and {$140.00} is still owed but Im wondering as to how Navy Fed responded and took care of XXXX but not resolve my issue.
Product: Credit card or prepaid card

I am going to try to consolidate this without get things to confusing. 

As you know I have been similar incidents with you regarding this in florida. 

We recently moved here to XXXX  from XXXX  and XXXX  froze credit. when trying to use card i was told to call in and get card updated. when I went to get card update XXXX  said card could be updated. 

In addition to this, XXXX XXXX informed me that XXXX had sent them a bad credit rating and they need to readjust my application. when I went to check XXXX I could acess account and was not able to use the web site. when I attempted to call again was blocked When we first moved here, we need to use credit report for phone and lights, previously we had to locked reports but report should have been open for two from the date I had initially open them, but when contact the recording agency one was XXXX  for lights, they said account couldn't opened. 

Include in this was another incident with credit union and bank account was open at one and ended up at another ; bank records can easily confirm this. 

Now these two other incidents, so we will need help to address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX -open XXXX XXXX XXXX Balance Owed : {$470.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$61.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXL XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX Balance Owed : {$640.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Several laws where broken by under the FCRA under your company I can't get a job I can't Obtain Credit, Housing, Car loans this has cost me financial injury.
Product: Money transfer, virtual currency, or money service

At this point, it is clear to me that BlockChain ( inc ) US is a total scam.

I had trusted with them all my crypto in ( what they call ) a rewards account. It means you trust your crypto with them and in return get higher interest on it. 

When exchanges behave responsibly, they organize themselves such that they always have enough fractional reserve, so that when people what to leave/ check out, they can give back the crypto they were trusted with, to the people who own it. 

Not the case with BlockChain ( inc ) US. For a half month already, they refuse to give me back my crypto- and refuse as well to tell em why. Obviously this stinks big time and reminds us ( sadly ) about the hybris of banks with devastating societal consequences only a decade ago. This calls for more regulation, ad minimum w.r.t. fractional reserve. 
Meanwhile I consider my crypto stolen by BlockChain ( inc ) US and demand to be compensated for it. Aside the immediate return of my assets.
Product: Mortgage

I just made a payment of XX/XX/2019 now I am still two months behind but I received a letter from Mr Cooper that they will accelerate process of foreclosure if I dont pay the amount is due. I told them I missed a payment due to a scam mortgage company nameXXXX XXXX XXXX  XXXX  that they approved me and payment will be {$920.00} a month and I was so excited and they need {$1500.00} to process paperwork and I sent {$1500.00} to them and that was one of my payment to Mr Cooper now, no contact with this mortgage, there is not working so I made a complaint to Federal Rate Commissioner to try to get my money back.
Product: Credit card

I got an email saying, " You have new alerts on XXXX '' from CapitalOne and when I checked it, I saw the fraud account opened in my name Account name CAPITAL ONE Account number - XXXX Account type - Business Card Responsibility- Individual Date opened - XX/XX/year> I immediately called the CapitalOne fraud team and informed them of this card being opened in my name even though I don't have a business. They said they would start an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple unauthorized inquiries from   XXXX   XXXX   XXXX  ,  XXXX ,  XXXX , and  XXXX   XXXX   XXXX   XXXX   XXXX ,    2016 to   XXXX   XXXX ,  2016 listed  on my Transition credit report. Contacted Transunion and they said they ca n't remove them. I do not recall giving consent to have my credit pulled.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Im seeing unauthorized hard inquiries on my credit report that I did not approve. These inquiries are hurting my credit score, and I need them removed immediately. I did not give consent for these checks, and they should not be there. Please take action right away to remove these This needs to be resolved as soon as possible.
Product: Mortgage

In XXXX 2016, XXXX sold my mortgage to Nationstar Mortgage. In addition to the normal mortgage, I had an obligation to pay {$390.00} for the cost of an interim property insurance policy, which debt was assigned to an escrow account. In XXXX 2016, I sent an additional {$500.00} payment to Nationstar to cover the {$390.00} escrow debt, with the expectation that the excess would be applied to my mortgage. However, Nationstar applied the {$500.00} incorrectly to my loan principle, leaving the {$390.00} escrow debt ( for the insurance policy ) unpaid. When the next regular payment cycle started, my " amount due '' showed as {$390.00} greater than it should be. 
I 've tried, on XXXX separate occasions, to work with Nationstar to get the problem corrected, and they always assure me they 've fixed the problem, but every month, the situation is exactly the same. They seem to be incapable of correcting this error, nor will they refund me the misapplied {$500.00}. If I call them again, they 'll just do the same thing they have the past three times, whatever that may be, and nothing will be fixed. I have never missed a full payment. The only deviation was when I sent an additional payment to close out the escrow debt, and now I can not get them to correct their mistake. I need some help with this. Thanks.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit act this creditor has violated my rights. 
Under 15USC 1681 SEC 602 states I have the right to privacy. 15USC 1681 sec 604a sec 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. 

USBK COURT XXXX  INDIANA XXXX XXXX  XXXX XXXX XXXX, IN XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Updated; Rating. Here is how this account appears on your credit report following our investigation. 

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: Checking or savings account

I deposited a check into my checking account. 

After 2 days they released partial funds. After going to use my account there was a block placed on the account. 

Upon calling they placed a fraud alert ointo the acocunt for the check that was deposited. 
I Spent over an hour verifying the check deposit, and all information to release the hold and unblock my account. 30 minutes after getting the hold releaseed the bank then closed my bank acocunt and are holding all the funds. 
They placed another fraud alert fo the check, after i had verified with them all the check information to prove its legitimacy. 

The bank refuses to release m, y funds or remove the hold. Ive verified the check, the customer, and they are able to contact the customer to ensure tghe legitimicy of the check anbd refuse to do so and release my funds. They are now closiing my accounbt and tell me i must wait 60 days for the closdure to access the funds, they will not let me speak to a supervisor rewgarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 US DEPT OF ED/XXXX  XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Equifax are reporting late payments on my XXXX account # XXXX. I previously disputed this account in the past and they have failed to validated and provide proof of the following. I would like proof of each late payment, the amount of the fees, and rather the balance adds up correctly for the dates listed below. XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022. If you are unable to verify the items listed above, please remove the late payments in pursuant of 15 USC 1666 Correction Of Billing Errors. 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 XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Again... I did an investigation on my credit report and found several items on there to be inaccurate. I am not quite sure why these accounts are getting updated and verified w/ wrong info over and over again. 
Under 15 U.S. Code 1681e ( b ). Accuracy of Report - Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681 i ( 5 ) Treatment of inaccurate or unverifiable information - ( A ) In general if, after any investigation under paragraph ( 1 ) of any information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer. 
Yo, Please remove the following items from my credit report, IMMEDIATELY!!! 
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: Debt collection

I have contacted Alpine Credit XXXX XXXX Multiple times to verify the debt or send debt validation with no response first on XX/XX/XXXX with no response after 30 days, I sent another letter in XX/XX/XXXX stating it has been over 30 days since my letter and I have not received a response, they marked the account as disputed which means they have received my letters but have yet to contact me. I contacted them a third time XX/XX/XXXX and still no response.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I checked the mailbox and noticed I received a letter in the mail from Midland Credit Management. This company wrote me stating they bought my account and I owed them {$720.00}. I spoke to a live agent on the company website and let the individual know I never opened an account with XXXX XXXXXXXX and I absolutely didnt receive a card from XXXX XXXXXXXX. The agent then stated that there were statements available, I looked at the statement which had about XXXX transactions I didnt make, the transaction dates from XXXX. I requested that there be an investigation. The agent stated that they would, but I didnt get any confirmation about that. I checked my XXXX account and there is no balance. Thus, I would like to report this company for fraud and predatory practices.