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

I am filing this complaint because Transunion refused and ignored the request to provide me with documentation that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify the accounts, under Section 611 ( 5 ) ( A ) of  FCRA they are " required to promptly delete all information which can not be verified. '' Please resolve this matter as soon as possible. Thank You
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX, XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, Equifax. XXXX, XXXX, Equifax has violated my consumer rights and violated federal law. This is the FOURTH attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit card or prepaid card

I opened a new XXXX credit cards and was able to initially connect my XXXX credit card to my existing Capital One account. Within XXXX I received an email that my online account has been locked with no explanation. I called customer service and after XXXX hour I was told to upload a copy of my drivers license, which I did. I was told that there was a conflict in my name from my other capital one card that Im an authorized user of, which is also my Corporate card. I was told my online access would be resolved in a few days, which it did not occur. I called in a few days later and again. I was told to upload my ID as they apparently lost my Id. I complied and uploaded my ID and again I was told this would be resolved. I spent another XXXX hour with customer service and the digital team. My online account is still locked and Im unable to make payments and access any account features.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # 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 an account without my written instruction. 15 U.S.C 1666 B .A Creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any reason.
Product: Credit card

I want to report fraud, at first I thought this was a line of credit. But it actually is a lie, they trick credit bureaus that they are extending credit but dont accually extend the credit, they instead charge the consumer a payment every month for a certain term/ period. This help increase the credit utilization so the their credit score goes up. 
This company never responded and lost my information and reported me late before I could pay. The XXXX Credit Bureau is reporting two missed payments. And this has damaged my credit. Its misleading and inaccurate information that goes against the FRCA. I want this taken off my credit and will report this to every organization to alert others not to use them. They are called Kikoff. Horrible business practices and company.
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. 

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 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 reporting or other personal consumer reports

I have diligently contacted Equifax on dates between XXXX and XXXX via certified mail ( enclosed are copies of the receipts ) and have made numerous calls to their customer service department. Despite my persistent efforts, the inaccuracies on my credit report have not been corrected, causing severe financial consequences for me. These inaccuracies include incorrect reporting data along with accounts that are not mine. Equifax has continued to verify these accounts as correct and have failed to provide in accordance with the law the request verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

DELETE HARD INQUIRIES accordance with the Far Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Jection 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 ) ( a ) 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. 
DELETE THE ACCOUNTS BELOW transunion bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Mortgage

I was supposed to close on my house in Nebraska with Movement Mortgage on Friday, XXXX XXXX, 2016, however, my mortgage company failed to provide me with a closing disclosure form. This delayed our mortgage over the weekend. The Wednesday prior to close, I was contacted by Movement Mortgage and informed the lady who had worked on my mortgage was sick and her manager was filling in to complete the process. Today, Thursday, I was contacted by another Movement Mortgage representative and informed the lady who was " sick '' is now " AWOL '' from the company and never sent me the closing disclosure form on time, which meant we had to push back our closing date- impacting all prior arrangements a day before the closing date. 

As of this time, we are set to close at the later date, but this failure on the part of Movement Mortgage is unacceptable.
Product: Credit card or prepaid card

On several occasions, I wrote Mr. XXXX XXXX, CFO of Navy Federal Bank regarding a credit card account. I simply requested verification and validation for contract transparency which included a notarized statement that there is no breach of agreement, failure of consideration or material alterations, and that the account was transferred in good faith and by the consent of all parties involved.

I have reason to believe, and I do believe that Navy federal Credit Union in in breach of the alleged credit card agreement pursuant to 15 USC section 1692 and GAAP.

Navy Federal Credit has not responded to any of my request.
Product: Credit card

I suspect that Verizon Visa card which is issued through Synchrony Bank does not actually issue all the Verizon XXXX  rewards  it promises. I noticed this when a reward was not generated for a {$1400.00} transaction I made that was posted to my account. I glanced through the rest of my rewards and I suspect some were missed here and there. I called customer service and they issued the reward on my statement but that was XXXX ago and it is still not showing up in the app where I can use it. I was told it would take XXXX hrs. This is a scam costing me {$14.00} and I suspect more for rewards they have cheated me out of in the past.
Product: Mortgage

Confidentiality breach. When I requested copies of my mortgage documents,  Nationstar  bank sent me someone else 's documents including pay check stubs, tax returns with signatures, social security numbers, phone numbers, addresses, attached to my documents. I am concerned my documents may have been sent to the other party or someone else.
Product: Credit card or prepaid card

When I opened American Express Blue Cash Preferred Card I was told there was a {$250.00} bonus if I meet the requirement. But one month later, when I contacted American Express, I was told that I was not eligible for the {$250.00} bonus offer. I feel like being cheated by American Express. Plus there will be an annual fee of {$95.00} for this card from the second year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account reporting on credit report 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 an account without my written instructions.

Fair Credit Reporting Act Section 605B FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a list of items that is not correct on all three credit reports! I have listed all the details below. 
1 ) XXXX XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$53000.00} Balance owed {$62000.00} 2 ) XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$9500.00} Balance {$9000.00} 3 ) XXXX XXXX XXXX Account # XXXX ... ... XXXX Opened XX/XX/XXXX Starting balance {$1700.00} Balance {$1700.00} 4 ) XXXX XXXX Account # XXXX ... XXXX Opened XX/XX/XXXX $ Starting balance XXXX Ending Balance {$1000.00} 5 ) XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$550.00} Ending Balance {$570.00} 6 ) XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$15000.00} Balance {$140.00} 7 ) XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$6500.00} Ending balance {$61.00} 8 ) XXXX  Account # XXXX Opened XX/XX/XXXX Amount {$1000.00} 9 ) XXXX XXXX Account # unknown Amount unknown
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been paying my mortgage from XX/XX/2006 and it us not currently reporting to my XXXX  report.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 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 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

" " '' I have disputed this Public Record on this Bankruptcy : Discharged CH-XXXX  XXXX for months. XXXX and XXXX have deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the  Fair Credit Reporting Act. '' '' "
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked 2 months ago, they did nothing about it until now and all of my information has been compromised. They 've given no next step instructions, or explanations on how this happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit bureau has violated my rights according to 15 U.S.C 1681i procedure in case of disputed accuracy. It's been well over 60 days since Experian conducted an investigation into my dispute and my credit report is still reporting inaccurate information. According to the FCRA everything must be 100 % accurate. I am disputing a collection account XXXXXXXX XXXX XXXXXXXX account number XXXX. it was closed and removed by the original creditor Via a CFPB complaint response where it clearly states the steps, they took to have the account withdrawn from the credit bureaus. I have also attached a screenshot of the company 's response
Product: Student loan

On XX/XX/XXXX, I logged into my account with my federal loan servicer MOHELA. I have an account alert that says the following : " We are in the process of updating your account. You will not be due for payment until after XX/XX/XXXX, and your interest rate will be 0 % through XX/XX/XXXX. The months from XXXX through XX/XX/XXXX will count toward income-driven repayment forgiveness and Public Service Loan Forgiveness , assuming all other requirements are met. Please allow up to 30 days for the updates to be completed. We appreciate your patience and will notify you after your account has been updated. '' My account lists a payment due on XX/XX/XXXX and XX/XX/XXXX. Mohela customer service told me 2 conflicting things in my 2 calls to them. The first representative told me they could not see the account alert and advised me it was probably a mistake. They told me to pay my normal payment as scheduled. The socond representative told me it was a legitimate message, and that I could ignore any bills and past due statements until XX/XX/XXXX. They would not refund my XXXX payment, but told me it would be placed in a " paid ahead '' status and would count for XXXX 's ( XXXX ) payment. 

I have received conflicting information both on my account and by customer service. I will not be making a payment based on the account alert and representative who told me that I had no bill due until XXXX. But I can not pin down any solid information from Mohela on what is due and when.
Product: Checking or savings account

I tried to setup XXXX on my checking account and it locked my account and removed it from my online portal where I have other Citi accounts linked. I was able to unlock it after days of difficulties and multiple calls and transfers. I tried to set it up again and it relocked it. I got it unlocked. Then I used it at the atm and it relocked the account. Every time I call I am thrown through hoops and asked many many personal questions they say the information I give them doesn't match public records. They say they are having system issues and updates and they hang up even though I am not being mean I just ask questions about it and they just hang up or transfer me to someone else or another department and have several verification questions just to say they can not help me after asking more questions and long hold times. They were able to unlock it by texting a code to my number on file the first couple of times but then they say that they can not do that and one woman even called me a liar that they can not ever do that. They said they left a voicemail with a reference number but I never received a call from them. Then to wait for a letter in the mail with a reference number and when I called with that reference number they said I have to wait for an additional reference number letter and when I asked why I need a second one they said XXXX have to wait for the letter thank you for calling ' and hung up. So I called back and they asked many verification questions and then said, XXXX will have to contact the account holder ' and hung up. I am the only person on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a Credit card with Bank america for over a year. I used the credit card for work/travel expenses. Since the end of 2019 I have not been travelling and have not been using my card ( with the exception of a couple of small charges. 

I have had near perfect credit my ENTIRE adult life. Credit is usually XXXX ( plus or minus 10 points ). I dont ever carry a balance on any of my credit cards, I always pay them off each month! 

In this case, because I was no longer traveling or using the card, I forgot about the card and the bills. I had a couple of small charges on there ( including my {$75.00} annual fee ). I failed to pay the bills purely because of an oversite. Total balance was something like {$300.00}. When I realized that I had failed to pay the credit card, I paid it in full. At this point it was delinquent, but I did pay in full. Unfortunately, without my knowledge, bank of america closed my account right after I paid in full and reported to the credit bureaus. 

Today, I just tried to refinance my house and realized that my credit score had gone from a XXXX in XXXX to a XXXX in XXXX ... .a 159 point drop!!! This seems egregious when I have paid the account in full.
Product: Debt collection

I've received 6 calls this week from SouthWest Credit Systems.  Three times XX/XX/2019, I answered on XX/XX/XXXX and told them to stop calling - which I had done the prior month as well but no longer have the dates on my phone. They continued calling XX/XX/XXXX at XX/XX/XXXX. They have been calling me for months about a debt that is several years old. I have told them numerous times to stop calling me yet they persisted. The final straw was yesterday day at XXXX CST - an associate named XXXX was on the line. He immediately wanted me to give him my personal information without answering what the call was about, despite me saying I'm the person who they were asking for. XXXX  quickly grew enraged that I wouldn't give him my personal information. I told him to cease and desist the calls. Instead of ending the call he berated me by yelling over and over do you even know what this debt is for? Do you know about your credit? I said cease and desist at least 10 times he continued yelling. I then asked to speak to his supervisor. He continued yelling, had to ask for a supervisor at least 12 times during his rant before he finally put me on hold. His supervisor XXXX XXXX (title: Manager at SW Credit Systems) got on the line and I explained how XXXX  harassed me on the call and that I have requested them to stop calling me several times in the past. She assured me they would not call me again but I believe they are using a different number now because now I'm getting calls from a new number. Each time they call they refuse to tell me what this is about and go straight into wanting me to verify my personal information without knowing who is calling me. I refuse to do this with each call due to fraud concerns. I work in collections for a living I know that you never yell at a customer and when they say stop calling you stop. I have also never heard of a business calling someone and demanding personal information before they will even give their business name. The experience was very unprofessional and violates FDIC regulations. I'm a woman and to be screamed at by a strange man over the phone demanding my personal information was very stressful. I told his supervisor to listen to that call because that should never happen.
Product: Credit reporting or other personal consumer reports

I was a victim of Trans Union 's data breach in XXXX and have sent over a dozen letters requesting incorrect information be removed from my credit as a result of the breach. There are XXXX derogatory marks on my Trans Union credit profile that are inaccurate that caused financial hardships, emotional damage, and repetitional embarrassment. Below are the inaccuracies that I have demanded to be removed for the last several years : -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