23daVinci/CFPB_Complaints huggingface dataset:
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. I ask Experian, XXXX, and XXXX to reinvestigate these accounts : 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 a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately : Account Name : XXXX Account Number : XXXX Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX Reason : Account is fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX accounts thats currently listed on my Experian credit report are fraudulent accounts and not my account. The 2 accounts do not belong to me. XXXX sent notification to Experian and XXXX XXXX regarding the 2 accounts being fraudulent accounts. Review the attached documentation. I never applied for any loan with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

A PAID IN FULL AND DEBT REMOVAL WAS SENT TO THE COMPANY AND THE DEBT WAS TO BE PIF AND REMOVED FROM MY CREDIT REPORT. THEY THEN TOOK THE PAYMENT AND THEN RESOLD THE DEBT WHICH IS INACCURATE. 
Posting Date XXXX XXXXXX/XX/XXXX Amount {$550.00} AND Posting Date 2023 XX/XX/XXXX Amount {$600.00} XXXX XXXX IS TAKING THE DEBT FROM ONE SUBSIDIARY TO ANOTHER ONE AFTER AGREEING TO THE CASHIERS CHECK
Product: Credit card or prepaid card

I have a Chase Credit Card where I make a minimum payment to since the credit card was opened in XXXX. I recently have gone through financial hardship and have been late on some payments as of XXXX of XXXX. I went over 6 years with on-time payments and 1 year with late payments. I had to quit my job of over 5 years in XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hi I am submitting this XXXX XXXX without 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 credit score over 719transunion has me at a score around 590. 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 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 n now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting

Im having issues with credit bureau reportingin accurate information on my credit file. fair credit reporting act XXXX isnt being honor through the credit bureau i ask for contract with signature, and documentation copy of social sercuity card and id that supposed to be on file with credit bureau i have n't received those documents i was told that they dont have these required documents in my file they have to get said documentation. from creditor which the law states that these documents should be in my file.
Product: Mortgage

XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX Missouri XXXX took a loan out with Rocket Mortgage one of our First notice date : XX/XX/2022 Loan number XXXX Property address Mine XXXX XXXX XXXX XXXX XXXX Missouri XXXX from Rocket Mortgage XXXX XXXX XXXX XXXX Michigan XXXX Rocket Mortgage phone number XXXX XXXX XXXX was the representative I have spoke with multiple times! I made a XXXX  payment from one of my XXXX XXXX  accounts and I was gave confirmation number XXXX because it went through! I WAS gave confirmation number XXXX when I made a XXXX Dollar and a XXXX from my XXXX XXXX account ending in XXXX and XXXX! I was told by Rocket Mortgage to keep my payments under XXXX to keep IRS out of it! I was gave confirmation number XXXX when I used my XXXX XXXX account ending in XXXX! I made a XXXX dollar payment with my account ending in XXXX! I made a payment with an XXXXXXXX XXXX account! XXXX XXXX accounts! All good! Then we get a letter from Rocket Mortgage Notice date XX/XX/2022 and our loan number is XXXX! NOTIFICATIONS about Mortgage ID XXXX! We received notice XX/XX/2022 no payment made! Default! NO PAYMENTS MADE! ON WHICH LOAN? WHEN ROCKET MORTGAGE FIRST STARTED CALLING US THEY ASKED ABOUT XXXX XXXX LOAN ON A DOUBLE WIDE IN MINNESOTA OR MICHIGAN! I PUT PAYMENTS TOWARDS INTEREST, PRINCIPAL, XXXX PAYMENTS, XXXX PAYMENTS, PAID! THEY WILL NOT SPEAK TO ME XXXX XXXX XXXX XXXX AND I AM ON THE LOAN!
Product: Bank account or service

My Chase account was restricted because of a mistake that was made by somebody else, resulting in me not being able to have access to my funds in my account. I 've been told that I had to wait 2 weeks until I was able to use MY money again. I was also told that some of the funds would be available today, XX/XX/XXXX. Then I was told that the manager who told me that lied to me and that my funds were still on hold. I keep getting the runaround about MY money. I have a life to live, which I can not do because the bank refuses to give me any access to MY money. They keep telling me 7-10 business days & honestly, no one can survive like that with absolutely NO money. They wo n't even let me close my account and get the funds out. Chase is just a HORRIBLE bank.
Product: Credit reporting

Equifax has been sent a letter of dispute and was given 30 Days to respond to the first Dispute. 30 Days after not responding they were given 15 Days to Remove the account that they never responded to or disputed. It has now been almost 60 Days and still no response from Equifax in regards to my dispute. Please see attached the return receipt request as well as the documents that were mailed each time for your review.
Product: Checking or savings account

I am writing to file a complaint against Wells Fargo regarding multiple overdrafts fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices where transactions settled with insufficient balances despite initially available fund. I believe these practices are unfair and request an investigation into my account transaction.
Product: Credit reporting

From XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX SS # XXXX You MUST By law and the settlement remove the following my Bankruptcy and all accounts in the Bankruptcy. 
I have sent over XXXX letters and they have been ignored. 
XXXX Settlement reached in XXXX FCRA class action by : XXXX XXXX. XXXX Last week, plaintiffs in a Fair Credit Reporting Act class action against XXXX sought preliminary approval from a Virginia federal court of a settlement reached by the parties. 
The foundation of the plaintiffs ' claims involves alleged incorrect reporting of Virginia state court judgments against individuals. Specifically, that, in its consumer reports, XXXX lists judgments as unpaid, even though its records do not contain information on the current status of those judgments. The plaintiffs claim that this is in violation of a credit reporting agency 's duty to follow reasonable procedures to assure maximum possible accuracy of information contained in a report. 
According to the motion, the parties have litigated for over five years ( one of the two cases was initially filed in XXXX, and one was filed just this year ), stretching through discovery and into " extensive motion practice, '' including class certification. The parties entered into mediation, which reportedly ended in the proffered settlement. 
Under the settlement, XXXX will pay {$3.00} XXXX into a settlement fund for class members " who are most likely to have suffered credit injury, '' remove Virginia General District Courts judgments from the credit files of all persons ( class members or not ) for a period of no less than five years and provide to all class members four years of XXXX credit monitoring services or {$180.00} in cash. Any class members who believe they suffered actual damages as the result of an inaccurate report containing a Virginia General District Court judgment can reserve claims for those actual damages. 
Public Information Bankruptcy XXXX Experian XXXX Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XXXX/XXXX/XXXX Reference # : XXXX Closing Date : XXXX/XXXX/XXXX Asset Amount : XXXX Court : US BKPT CT VA XXXX Liability : XXXX Exempt Amount : XXXX Remarks :
Product: Credit reporting 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 accounts 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 accounts 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Being retired I get paid monthly, I live on a budget, bills are paid monthly. Today is XX/XX/year>, I am to the end of monthly bill paying. My Discover It card is due on XX/XX/XXXX. I go online to pay and am informed ACCOUNT PAST DUE, the amount due is doubled, an amount I can not pay. Since I know I paid last month I just pay as usual and call Discover. 

I called XXXX and, after the automated response, was able to get a real person. She was very professional, pulled up my account and informed me the XX/XX/year> payment was just an extra payment. No she could not fix it as it was a cycle thing. 

At this point I was not as professional, she remained professional. She did say she would submit a formal compliant and I thanked her for that. 

My XXXX payment confirmation XXXX My XXXX payment confirmation XXXX - being called extra payment My XXXX payment confirmation XXXX This is wrong in so many ways, just adding to the other usury practices of Discover. 
I ask that my XXXX payment be counted as the XXXX payment it was, or my XXXX food budget is gone.
Product: Credit card

I received my bill and noticed there was a late fee. I paid my bill thru my credit union and the credit union bill pay page showed my payment should reach Comenity in time. I called Comenity customer service on XX/XX/year> or XX/XX/year>. I explained my credit union bill pay system had apparently estimated the time of delivery wrong as it should have been by the deadline. I was told they could reduce my fee by {$15.00} but would not reverse it. I was angry, told the representative to close my account and hung up. I called back the next day as I had not requested that a copy of the account closure letter at that time. I was told I would be sent a letter closing the account after I explained my issue to the representative. I had the same issue with my XXXX card which is also issued by Comenity in this same time period. I called XXXX Comenity after speaking to the Big Lot 's representative and was told that yes, they could reverse the charge on my XXXX account and they did so. I have since gotten reminder emails that Comenity Big Lot 's is trying to get payment of the late fee. The total charge has now gone up to {$60.00} which is outrageous and apparently no portion of the fee was reversed as I had been told it would be. Also, since I requested the account closed I assumed that the balance would be frozen at that time, not that additional late fees would be charged. I still have not received the account closure letter requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX ACCOUNT # XXXX  has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option
Product: Checking or savings account

I have requested my statements from the closed account. I am a victim of identity theft and I wanted to review my previous statements from this account. I have provided my information to verify my identity. Please provide checking and savings account information and/ or statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I filed a complaint to you on XX/XX/XXXX. 

In my complaint I stated, In accordance with the Fair Credit Reporting Act Section section 609 ( a ) ( 5 ) ( 1681 ) I am practicing my right to challenge questionable information that I have found on my personal credit report as well as demanding you validate suspicious accounts. I do not recognize the information listed below and since first my request, you have not investigated the source of these accounts and ascertain that the creditor had a permissible purpose, and you did not validate my complete file information including full name, address, date of birth and SSN #, as well as my signature to prove that I signed up for the accounts. 

I am now invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?

6. Did you validate my signature to confirm my contractual agreement? 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please validate these : 1. XXXXXXXX XXXX { XXXX } You failed to properly validate this debt and must remove it from my credit report. 
2. XXXX XXXXXXXX XXXX { XXXX } You failed to properly validate this debt and must remove it from my credit report. 
3. XXXX XXXX XXXX { XXXX } This account shows three late payments but this account has never been late. 

INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX XXXX XXXX  ( XX/XX/XXXX ) 2. XXXX { XX/XX/XXXX XXXX REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : 1. Incorrect Address XXXX XXXX XXXX XXXX TN XXXX 2. Incorrect Name Variations XXXX XXXX, XXXX XXXX XXXX 3. Incorrect Employer XXXX 4. Incorrect Date of Birth XX/XX/XXXX 5. Incorrect social security number UPDATE PERSONAL INFORMATION Also please update the following information which I saw your credit bureau to be missing or incomplete : 1. Personal current address XXXX XXXX XXXX XXXX XXXX, OR XXXX 2. My proper full name XXXX XXXX XXXX 3. My date of birth XX/XX/XXXX 4. My current employment info XXXX XXXX, XXXX, XXXX, Oregon XXXX 5. Social Security XXXX XXXX I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation and validated results. Please note that I have opted out in writing to your forced arbitration terms and will be seeking legal relief if this is not resolved appropriately. 

Truly, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit and noticed I have a few addresses on my credit report that are not mine, Ive have dispute the inaccurate information and its been 60days and its still showing and I never received a response from Equifax and I need this information deleted. 
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 never have applied to any housing loan or mortgage and I have never authorized any inquiry of my credit for such a thing..I don't understand how on XX/XX/XXXX a hard inquiry by CIC MORTGAGE CREDIT was made ... this could be a potentially identity theft I am currently living in Florida and apparently the inquiry was made by a company in Tennessee. 

This the report from XXXX : Inquirer Name CIC MORTGAGE CREDIT IN Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Mortgage Reporters Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX, ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill their legal obligation under the FCRA to conduct a reasonable re-investigation of dispute information from my credit report, leaving in accurate or unfair by unverifiable accounts unresolved the consumer, financial protection bureau has recently filed a lawsuit against Experian, alleging systematic issues, such as failing to forward consumer provided evidence to Furnishers, Excepting unreliable responses, and failing to adequately, notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items. Despite the evidence I provided, causing on going home to my credit standing Im requesting immediate correction action to remove, or amend disputed accounts as Experian in action violates federal law in my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent inquiries on my credit reports and I've disputed them several times with the companies and XXXX, Equifax and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Hard Inquiries XXXXXXXX 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, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX open account {$5000.00} ), XXXX - XXXX service ( closed account {$2500.00} ), XXXX XXXX XXXX  ( closed account {$4500.00} ) and XXXX XXXX ( closed account {$43000.00} ), have 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 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: Mortgage

Due to the Covid-19 I have not worked in over a month. I filed with chase for relief I am officially late 1 month. I paid on line they only took the principle & interest. I thought I was all set but today XX/XX/20 I received 2 Certified letters demanding {$2700.00} or they are going to move toward foreclosure. When I went to the website last week to pay $ 1400.00+ it would not allow me to do so, it would only allow me to pay the full amount. It then took the principle & interest, even though I attempted to pay more, I called Chase to deal with this several weeks ago and was put on hold for 3.5 hours then for no reason I was cut off. I reached out to a friend who sent me the link for relief. I filed it but that didn't seem to matter. 


I was under the understanding the federal Govt created some protections but apparently not. If they did it didn't stop Chase from sending these certified letters threatening me.
Product: Student loan

Navient violated my consumer rights-giving my personal information to a third party consumer named Mr. XXXX leaving detail messages on his voicemail like the text message below as well as including a sibling name. 
The voice message asking for a sibling then asking for information about me. Navient voice message stated Navient loan company had no information about where XXXX reside also navient company are saying they have no contact information for XXXX XXXX. Which is not true and this is another violation