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

All inqury information without an account in my credit report not a Permissable purpose 15 U.S. Code 1681n ( a ) is a part of the Fair and Accurate Credit Transactions Act ( FACTA ) of 2003 that covers civil liability for willful noncompliance with consumer credit protection requirements : Liability Anyone who willfully fails to comply with a requirement under this subchapter is liable to the consumer.This includes obtaining a consumer report under false pretenses or without a permissible purpose. 

Damages The consumer can recover the following damages : Actual damages : Any damages the consumer sustained as a result of the violationStatutory damages : For willful violations, the consumer can recover statutory damages of at least {$100.00} but no more than {$1000.00} per violationPunitive damages : The court may award punitive damagesAttorneys ' fees : The consumer can recover the costs of the action and reasonable attorney 's fees
Product: Credit reporting or other personal consumer reports

Today I spoke with Equifax XXXX, another, then XXXX whom refused to correct obstructions due to their negligence and allowance of consistent false and fraudulent credit slandering without proper FCRA diligent process and ids and documentation, such as XXXX XXXX XXXX XXXX XXXX who's consistently reported false and fraudulent credit reports without ever providing any validation, documentation or Ids numerous times after I've demanded it numerous times as my right under FCRA, and have been denied everytime by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Equifax , and all entities.They wrongfully are obstructing MY credit themselves adding to the nightmare im already going through and placing a wrongful restriction on my credit, all the while allowing identity thieves and false and fraudulent reporters report false info at will with no ID, no documentation, no valiation, all of which ive demanded under my rights under FCRA many times and been denied everytime ... because it doesn't exist legitimately and is not mine, now theses shady credit agencies demand more info to remove their wrongful restriction that is obstructing my credit and me wrongfully without reason and after months providing them info the identity theft and fraud against me has only gotten worse so that's a hard NO, I was advised by experts to not send out any more of my info to these so called " trusted '' private agencies due to what I've experienced with them and the identity theft and fraud against me I've been and still going through which theyve only seemed, as seen here, make it worse. I've made all proper reports I know how and been told to. 
They are responsible and I expect them to stop obstructing me and do their diligence on the fraudsters and identity thieves and id them and stop and restrict and stop them.Their non actions and everything has been meticulously documented since XXXX XXXXNo excuses, correct your wrong Equifax is responsible for and all damages that ive endured arising from their wrongful actions and practices.Do not dishonestly obstruct me further and protect my information from the identity thieves in which your entrusted to do is what I expect period. 
XXXX even told me to drive to XXXX office, in XXXX, ridiculous I'm in no shape too and live in XXXX, XXXXThese people seem to get away with these shady tactics by hiding their name even where their calling from, but expect every piece of info from me, and I have obliged as I thought I had to and they were legit, until now where I've been advised not to and to fully keep documenting, and will continue too diligently document.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information. 

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 Closed Overview You have 100 % left to pay on this collection. 
Balance {$10000.00} Highest Balance {$10000.00} Opened Account status Type Responsibility XXXX. XXXX, XXXX ( 1 yr ) Closed Derogatory Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXXXXXX XXXX  Closed No Into
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I cashed out my earned wages twice on this day. Once for {$87.00} with a {$2.00} fee and once for {$35.00} with a {$2.00} fee. I did not have a plastic card to this account my wages were transferred from but the company says hey we have a digital card you can use till your physical card arrives. I tried to add the digital card to my bank and to cash app and no one is accepting it and I am getting an error the card info is wrong. Every debit card I attempt to add to transfer the funds too it gives error saying my expiry is wrong on five debit cards. I contact the company via chat and am told a ticket was being submitted about this and the issue should be fixed within 48 hours. 48 hours later issue still not fixed. I was able to use the pay a friend feature this one and only time with one co worker for {$60.00} and that feature has not worked since. This same coworker has funds that have been paid back to this company that we accessed almost three weeks ago we can not access. So my coworker shows me a conversation of this company telling her their debit card and system is having issues it should be fixed asap. Well it has been a week later. The money advance I cashed out initially has been paid back by my paycheck on XX/XX/XXXX. So on XX/XX/XXXX I contact the company after I receive the physical debit card. The card is declined everywhere I try to use it. This company says the same thang it said to my coworker a week prior. That the issue with cards and transfers is being fixed asap. This is disgusting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I will say approximately every other week for the past year that is the most straightforward answer I could give I have called XXXX XXXX signed up sign back out upgraded downgraded file class action wrote letters called received letters verified myself have gone to the XXXX had gone to social security my experience account is fake and so is my life lock that all I can say I know this is not a very professional DE briefing but I don't know what else to say I'm sitting outside of Social Security Administration in XXXX md and right now the office is closed.I had an appointment and I find myself here on this page now- I have also called the phone number listed on the door am I getting ported out to fraudulent individuals because other people next to me were calling? and only on my phone representatives were asking questions they should not be asking me such as where I was born after I already verified name date of birth and social- my Experian history of debt balance due drops to XXXX twice in the 6 months. There are over 60 credit inquires I do not recognize- and I had XXXX in 2017. Someone took over my identity without a doubt- I just need to reschedule this appointment ... please
Product: Credit reporting or other personal consumer reports

I have disputed this account with Discover for the past several months about inaccurate information they are reporting on my credit report. I have been ignored and never receive a response per FCRA. This damaging inaccurate account is hurting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have been disputing a XXXX XXXX account that has been appearing on my TransUnion credit report but received a response that it was verified by XXXX XXXX. I again disputed the XXXX XXXX entry on XX/XX/XXXX and XX/XX/XXXX to receive the same response verified. Even though I have pointed out to TransUnion all the inaccuracies on my credit report 1. Account status DEROGATORY should is inaccurate 2. Date opened is INACCURATE. 3. Payment status UNKNOWN is inaccurate 4. Last reported XX/XX/XXXX this is INACCURATE if they investigated this 3 times the date should show a date in XXXX not XXXX 5. Date of last activity is inaccurate compared to the other 2 credit reporting agencies and 6. Date of last payment is BLANK this is inaccurate. TransUnion continues to violate federal laws and in turn are causing me financial hardship costing me thousands of dollars in high interest rates, denied credit, high insurance premiums, defamation, negligent enablement of density fraud. They are also in violation of the FCRA. I am providing the certified letters sent to TransUnion and I will also provide my most recent credit report High lighting the inaccuracies side by side with the other credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

" I was sold a LEMON. '' XXXX XXXX XXXX placed inaccurate information on my Credit Report. 
The vehicle was not Voluntary Surrendered. 
The Vehicle was a lemon.

I have requested this company to remove this statement of Voluntary Surrender off of my Credit Report.

I like to have a Consumer Statement of : I was Sold a Lemon to be placed on my Credit Report. Or The Vehicle was a Lemon. The car never was repaired and it was unsafe to drive. 

I, the Consumer, XXXX XXXX paid over {$10.00}, XXXX ( XXXX XXXX Dollars ) into Repairs for this Lemon Vehicle.

The repairs exceeded the value of this Lemon Car. So, Therefore I like for the Statement of Voluntary Surrender to be removed off of my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XX/XX/2020 Initial Correspondance date : XX/XX/2020 File Number XXXX XXXX XXXX XXXX TransUnion Sent me a letter informing me that they are in receipt of additional information and that they are taking 15 extra days to complete my. investigation instead of the 30 days required by law. The later stated that my dispute will not be completed until XX/XX/2020. 
Under the fair Credit Reporting ACT it states that ( A ) may be extended for no more than 15 days if the consumer reporting agency receives information from the consumer. I have not sent them any information except for my original dispute with my ID, Address, verification, my pass port, along with birth certificate. TransUnion is using stalling tactics and need to remove the information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Money transfer, virtual currency, or money service

XXXX payments were never received into my designated Bank of America account. I received Bank of America confirmation text messages which I then had to acknowledge on my Bank of America app to receive the transfers from my business customers into my account, which I did. These transfers occurred between XX/XX/XXXX and XX/XX/XXXX. The Bank of America account was closed XX/XX/XXXX and I received a printed transaction history from XXXX thru XXXX at that time. Unfortunately I did not do a reconciliation. In preparing my taxes recently it was discovered by my bookkeeper the XXXX payments were missing and none were ever received into my account. This was verified by the Bank of America branch manager today, XX/XX/XXXX that no XXXX payments ever were received or deposited into my account. She referred me to XXXX directly as did the Bank of America phone customer service representative. XXXX keeps referring me back to Bank of America - No one is able to resolve why my XXXX payments were never received. I need to know where these payment transfers went and why I never received them.
Product: Credit reporting or other personal consumer reports

delete fraudulent hard inquiries 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 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 XXXX business days.
Product: Checking or savings account

They rejected my auto payment from XXXX twice claiming insufficient funds when there is proof that more than enough money was in the account. They have no caused me to be billed a late return payment fee and the loss of being able to use auto pay until XX/XX/year>. They need to be investigated as there has been too many fraudulent incidences with my account with Citibank. I have made several complaints about questionable practices and experiences that Ive endured. This has been going on for 2 years now and now I am starting to believe that this is retaliation. I have literally called them and been logged into my account information and they have lied about my account balances and everything to get away with their shady practices or fees. I just received a bill for my cell phone service that is almost double my normal bill bc they have sent back the payment saying insufficient funds, but my account literally was no where near that.
Product: Checking or savings account

I received a promotion by mail from US Bank. It was to open a business checking account and keep {$3000.00} minimum balance for 60 days to receive {$500.00} bonus. I followed their instructions and I called them to verify. I was told that all looked good and the promotional code was on file with my account. I didn't disturb the balance and didn't withdraw any money for 60 days because I didn't want to cause any problems by having my balance fall below the $ XXXX which would disqualify me from receiving the {$500.00} promo. Then to my surprise, I received a statement where they charged me {$6.00} fee on an account that was supposed to have no fees. Of course, this caused my balance to drop to {$2900.00} but when I called them, they credited the {$6.00} and assured me that this wouldn't interrupt the promotion bonus. They told me to go online and change setting to paperless. I did so. Following month, I noticed another {$6.00} fee again and called again. They credited the {$6.00}. But now, XXXX months later, still no {$500.00} bonus and I am being told that I will not receive it because my account no longer qualifies since it had dropped below $ XXXX ONLY due to their {$6.00} junk fee. They were not willing to fix this problem and honor their offer. I felt scammed and I don't want others to fall for this " bait-and-switch '' campaign that they are running. They are in breach of their agreement and they owe me {$500.00}.
Product: Mortgage

Due to loss of income during the pandemic, I got behind on mortgage payments. Our servicer offered me a modification, and I have been making trial payments. For some reason, they refuse to let me make these payments online or through the phone system. Instead, my only option is to drive to the post office, purchase a money order, and mail the payments to a XXXX XXXX XXXX XXXX. Each monthly payment must be received by the end of the month. On XX/XX/2022, I purchased a money order for that month 's payment, and paid the post office {$8.00} to send it via XXXX XXXX, which would ensure that the servicer received the payment by XX/XX/XXXX. However, after I left the post office, something happened that was outside of my control. We live in the XXXX XXXX XXXX XXXX XXXX, and on XX/XX/2022, Hurricane Ian was in the XXXX XXXX XXXX and projected to move past us and make landfall in the XXXX. The post offices in all of XXXX XXXX made a unilateral decision to close their offices that night, and not reopen until after the hurricane passed. On that same evening, XXXX XXXX XXXX also made that same decision and shut down our airport. Neither reopened for three days, and my payment did not leave XXXX XXXX until they did. My servicer reported my payment, which it received on XX/XX/XXXX as " late '', and canceled my modification. There was absolutely nothing I could do to get that payment to XXXX  by XX/XX/XXXX, and I'm being unfairly punished for something that was out of my control. Had the servicer permitted me to make online or phone payments, the payment would have been on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent the letters to XXXX and XXXX credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. that means the 3 credit bureaus has NOT complied with the Fair Credit Reporting Act Law. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX Reported :XX/XX/2019 {$680.00} XXXX  XXXX  XXXX Reported : XX/XX/2019 {$220.00} XXXX XXXX XXXX  Reported : XX/XX/2019 {$590.00} XXXX  XXXX XXXX Reported : XX/XX/2019 {$130.00} in the file you maintain under my Social Security number. 
No contracts exist ... Accounts were settled with creditors ( no valid claims ) I want it removed. False information is being reported. 
I challenge the accuracy, compliance and reportability of these listings. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX  XXXX
Product: Mortgage

I had spoken to JP Morgan chase mortgage department about removing of pmi as well as escrow for taxes and insurance on XX/XX/XXXX. I was told that I met the requirements to remove pmi and subsequently the requirement for escrow. Around XX/XX/XXXX I received a letter stating that I need to have an appraisal done to remove pmi, which I had completed in XXXX of XXXX, this was due to the representative on the XXXX not properly filling out the pmi removal request. The representative from mid XXXX assured me that they would take off the pmi as well as escrow requirement before my XX/XX/XXXX payment. On XX/XX/XXXX I was charged for pmi though I was told I met the requirement to have it removed and so I called JP Morgan Chase to resolve the issue. The representative stated that this was normal though on XX/XX/XXXX I was sent a letter by JP Morgan Chase stating that I would no longer have to pay pmi after XX/XX/XXXX. I was then sent a letter on XX/XX/XXXX stating that my escrow account would not be closed until XX/XX/XXXX though I was assured by previous representatives that it would be prior to XX/XX/XXXX. On XX/XX/XXXX I was charged for the escrow and as of XX/XX/XXXX JP Morgan Chase increased the escrow requirement though it was suppose to be closed. I have recordings of every conversation that I have had with JP Morgan Chase regarding this matter if required.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX WAY XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX Owed XXXX {$980.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance XXXX : {$980.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Wells Fargo Card Services account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights 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 1666B : A creditor may not treat a payment on a credit account under an open consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

XXXX XXXX filed a small claim against me in the state of Georgia. The judge has ruled and closed this case in my favor. I demand that all these accounts are removed and deleted. I will have documents attached from the judge. Thank you! 

XXXX Account number : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX