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

I'm in the process of buying a new home and working on building my business and the accounts below are affecting my credit profile. I have disputed these accounts with all three credit bureaus and no progress have been made. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXXI # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

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.

These inaccuracies are stopping me from buying a new house for my family and it's also stopping me from obtaining business loans and business credit cards.
Product: Mortgage

I am writing to express my concern regarding an issue with a {$93.00} fee on my mortgage account. On XX/XX/year>, I contacted your customer service department to request a waiver for this fee. I was assured by the representative that the fee would be waived. 
However, after 10 to 12 days, I found that the fee had not been removed. Upon contacting customer service again, I was informed that the fee could not be waived because it had already been paid. Notably, I made this payment after my initial call, based on the assurance that the fee issue would be resolved. 
This matter has caused me considerable inconvenience. I respectfully request a refund of the {$93.00} fee and a review of your customer service processes to prevent future miscommunications. 
I appreciate your prompt attention to this matter. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to dispute an error on all three of my credit bureau reports. All three show a 30 day late payment on XX/XX/XXXX. I've complained to Plaza Home Mortgage who continued to stated their records are accurate. I complained to the CFPB and on XX/XX/XXXX and prompted another investigation and found that my last payment received was XX/XX/XXXX. 

I have a letter from Plaza Home Mortgage dated XX/XX/XXXX apologizing for the inconvenience and frustration. They stated the the corrections to the credit bureaus were completed as of XX/XX/XXXX and that it may take up to 90 days for credit bureaus to process. It's been well over 90 days and my credit reports still show 30 days late payment. I've disputed with all three credit bureaus and all three have declined to fix it stating their information is accurate. 

I've called and emailed Plaza Home Mortgage multiple times. They've asked for written requests for information which I've done on three separate occasions. Today, I spoke to two different representatives. The first stated they've done all they could do and I need to dispute with the credit bureaus. When I replied that I've done that multiple times, she stated that I need to talk to the head of these credit bureaus. Later, she passed me onto another representative who instructed that I put in another written request. She stated that my account was fixed on XX/XX/XXXX and that it has been reported to the credit bureaus, but that she could not give me a statement stating as such, but suggested I request it in an email. I've done this multiple times already. 

I'm in the process of purchasing a home. I've already been preapproved. I need my credit reports to be stellar to qualify for the best loan. Time is of the essence. I need this fixed before I actually apply for the loan. It's ludicrous to have a incorrect information on my credit report and my husband 's credit report when I have a letter stating we paid on time. Please assist me in this matter and fix this on my credit report and my husband 's credit report.
Product: Mortgage

This is in reference to the response from the FCI Lending services who claim that the draw was done by the Builders when verbally by talking to them that they would only pay to the borrower & not third party. Secondly the mtge statements had never issued any statements for the draws prior to the one on XXXX when the maturity of the loan expired. No wire confirmation was sent by FCI on XX/XX/XXXX XXXX the letter from FCI clearly states that the loan maturity was XX/XX/year>. This proof of wire was not sent with any attachments as this will resolve the issue if wire was sent to XXXX XXXX  who deny receiving any funds from FCI Lending services. And why was the draw sent to the Builder & not the borrower as per your requirements when I spoke to your staff that draws are only sent to the borrower
Product: Credit reporting or other personal consumer reports

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 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 has hurt my ability to obtain credit. Under the FCRA, unverified 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. 
Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account
Product: Debt collection

Please be advised that under Section 611 ( 5 ) ( A ) of FCRA-creditors are required to promptly DELETE all information which can not be verified. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if they fail to comply with Federal Law. I am a litigious customer and fully intend on pursuing litigation in this matter to enforce my rights under FCRA. Despite my previous written request, the unverified item listed below still remain on my credit report in violation with Federal Law. You have failed to send me copies of the SIGNED APPLICATION with MY SIGNATURE proving that the account in question belongs to me, yet you are still reporting the debt on my credit report.
Product: Credit card

Ive found some inaccurate and potentially fraudulent information on my credit report.
Product: Debt collection

I was contacted by a company named XXXX with the phone number XXXX and given a case number. They also contacted all of my family members stating that I was going to be arrested for intentionally defrauding a financial institution I contacted the company at the phone number provided and was told the same thing, I asked for information in regards to the debt and was given no information. I proceeded to ask for an address, what type of company they were, and for there professional license number and was told I could not have the address for there protection, they did not represent themselves as a debt collector in any way and stated they worked for attorneys, and they stated they didnt have a professional license number to provide. They have called me and my family members from local numbers, spoofing there real identity at least 16 times a day. When I asked for a bill or something stating what the debt was for I was denied this by being told you have already received that from the company you borrowed money from
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX, I sent a letter to LCI requesting that they verify the validity of XXXX XXXX Bankruptcies appearing on my credit report. Because Trans Union informed me that XXXX  was furnisher of public records ie XXXX 's. XXXX responded back with the results of their investigation. They determined that the Banruptcies were accurate because of paperwork they printed from XXXX. I had informed them that was inaccurate. Becuase I have never filed. I have been dealing with this for years. By them not doing the proper and detailed investigation because they are the ones furnishing this unverifiable information without my consent, it is defaming my character and harming financially, because again they are refusing to conduct a proper investigation. I was told to go the courthouse by them and get it corrected. First off XXXX court does not furnish information to credit furnishers and CRA 's, Secondly since they took the liberty to report inaccurate information, I think its their job to ensure accuracy prior to sending public record information to the credit bureaus.Since they claim to be a furnisher for FCRA purposes and deal directly to Trans Union. Under law my credit report should have the most accurate information possible. I also contacted XXXX and requested them to validate any XXXX  XXXX 's that be on my credit file. I was sent a letter from them dated XX/XX/2022 indicated that their investigaton was complete and it was determined that data being reported as unveriable and has been removed from their records. And confusing is they used the same method of verification as XXXX. I am willing to take further actions if XXXX  and Trans Union continues to not take my request seriously. 

I am enclosing letters from XXXX, XXXX, and XXXX XXXX court house
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.

and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

The XXXX website advertised a credit card with a XXXX mile bonus for spending {$1000.00} in three months. I signed up for the credit card. I was immediately approved and emailed a cardmember agreement. This agreement did not mention that the original offer had changed. Several weeks later I received the credit card in the mail with another copy of the cardmember agreement. I did not look too closely, as I had already reviewed the one that was emailed to me. Supposedly, this XXXX changed the original terms of the offer I signed up for, saying I had to spend {$2000.00} for a bonus. After three months, my bonus did not appear. I checked the chase website and saw again the bonus listed for {$1000.00} and XXXX miles. There was no mention of any other offer anywhere. I called Chase to find out where my bonus miles were, and they said I had been processed to a new offer. They did not make this clear to me anywhere, at all. They told me that in order to receive my bonus, I could try to " close the card and reapply ''. I said I did n't want to do this as it would hurt my credit score. They " assured ' me this would not be the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax, XXXX reports the following inquiries I did not sign off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I took a XXXX XXXX survey and was awarded a FREE gift. I authorized a XXXX shipping fee and I bought a memory card for XXXX with a total of XXXX. On XX/XX/XXXX the merchant withdrew XXXX that I did not authorize. I called my bank chase to dispute the XXXX charge along with the others because at this point I think I have been scammed. I requested a new card and thought the issue was over. On XX/XX/XXXX the merchant charges my account again for XXXX I called the bank and they advised they called me on XX/XX/XXXX and told me the merchant showed proof of tracking # and XXXX shipment information and that they would not return the XXXX to me. I did not authorize them to charge me XXXX for a free gift from a XXXX XXXX survey. I only authorized a total of XXXX which I have an email correspondent for but the email return address is a scam when you look it up on google. I called the merchant number chase provided because they said I had to call the merchant now because the merchant was not goin to return the funds back to me therefore chase recharged my account for XXXX. After speaking with the Rep from the number I was given she told me that there was nothing they could do because chase already did a dispute and the bank is supposed to refund me the money. All this sounds fishy to me. I had the Rep send an email to me stating why they would not refund my money after charging me for what was supposed to a free gift. She sent the email and I also have an order receipt which shows the XXXX XXXX XXXX XXXXXXXX and a XXXX XXXX XXXX  and XXXX shipping for a total of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair act XXXX XXXX XXXX  Account XXXX XXXX, has violated my rights. 

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

This complaint is in reference to a time-barred student loan reportedly opened on XX/XX/XXXX, which went into default in XXXX. 

This account is reported multiple times on all three credit reports as separate names. See below for multiple names. Also indicated, is which credit report the account is on. I have also attached my credit reports for reference. 

XXXX : Reunion Student Loan Finance Corporation XXXX : Student Loan Finance XXXX XXXX XXXX : XXXX XXXX  Reunion Student Loan Finance Corporation Through many dispute attempts, I was unsuccessful in removing the duplicate accounts. XXXX is the only updated bureau. 

There has never been a payment or payment agreement on this loan, nor any additional documented activity. Therefore, this loan is past the statute of limitations, and due to the age, ten years, should also have been removed from my credit reports. 

If there is documented proof that the statute of limitation was reset, I am formally requesting the proof. If I do no receive this information, I will consult legal representation.
Product: Payday loan, title loan, or personal loan

This was our third time doing a 90 day same as cash we paid off the other loan and then took out another This time they said we didn't ask to have it set as a 90 day same as cash and therefore was charged a 12 month lease which ended up costing us three times the amount we agreed to The company was reporting the amount owned from day one as a higher amount then we where even qualified for on the same as 90 day same as cash loan. 

The company was unwilling to honor the 90 day same as cash and we ended up paying {$7500.00} when all we agreeded to was {$3000.00} lease number # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX has tried to address this situation with chase bank I withdrew my initial complaint because I did get a call from chase business bank and I thought they would rectify the problem but they havent I have called them back and have left voicemails to the lady that was handling my case Im really upset because Im not just a business owner account but I have XXXX other accounts thats open with chase bank so its no excuse to not know my business address the forms I will be uploading will prove this this is so upsetting and goes against my rights as a business owner I would like this issue address with chase and XXXX who also illegally let you run my credit twice this is not right for consumer to treat as such rules are rules the dates are XX/XX/22 when I applied for both same day you will see in your records XXXX so please address this problem thats holding me and my business back from moving forward chase can you address this im a customer of yours who does primarily business with your company on a daily I would like them same opportunities as any other business owner thanks
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my unemployment account was compromised and my direct deposit got changed to a individual that I don't know. Who account number I received from the originator. XXXX. I called wells Fargo since it was one of there accounts. They were not trying to help even after I got a hold of the account numbers. My money is being deposited into another person account and is causing me finicial harm. The customer service was very rude and will protect the fraud person. Saying they are the only bank that lets people deposit checks thats not in that persons name.
Product: Credit reporting or other personal consumer reports

Experian again closes another complaint without having addressed the problem which is Experian NOW has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX  XXXX XXXX XXXX Date opened XX/XX/2020 Balance {$3000.00}. Please delete ASAP.
Product: Checking or savings account

My husband and I had a joint checking account with Ally Bank for less than two years. I closed the account approx XX/XX/XXXX anticipating our separation. 

A few weeks later, the account disappeared from my Ally screen without notice. Having had no notice, I had not yet downloaded statements and transactions quickly enough. I need these transaction records for tax preparation and for the division of marital assets. 

I called Ally Bank on XX/XX/XXXX. At the conclusion of that 38 minute call, the representative told me that **only my husband** can request the account records. Is this XXXX? It was a JOINT account! 

I emailed Ally through the website the following morning and have received no response. 

It is improper for Ally to deny account information to a joint account owner. I need these records immediately for pending legal and tax matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am 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 XXXX Balance Owed : {$500.00} XXXX XXXX XXXX XXXX Balance Owed : {$9300.00} XXXX Balance Owed : {$1300.00}
Product: Debt collection

XXXX XXXX XXXX forwarded my debt to Merchant and Medical Credit. They, Merchant and Medical,  have made frequent phone calls to the point in which I have blocked any numbers they have called me from. Also, they recently contacted my Emergency Contact noted on my medical records asking for my information. The hospital asked for an emergency contact in the event something happened to me at the hospital. Why their contact information was forwarded to a debt company does not seem right. Also, when you call the company they do not note who they are. I called them from my work phone, blocked number, and I had to ask who the number was regarding. I'm not entirely sure if this falls under the FDCPA, but I do not think it's proper for a hospital to forward my in the hospital emergency contact to a debt collection company.