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

Hello I have old information XXXX XXXX XXXX, XXXX XXXX and 2 collections from XXXX XXXX XXXX and XXXX XXXX XXXX I never had these accounts XXXX XXXX XXXX I never heard of Im a XXXX XXXX XXXX. Im so busy busy and I cant keep account of my life. Please help me remove this old information and these negative accounts thats not mines XXXX   XXXX XXXX XXXX {$550.00} {$350.00} 158 % Revolving Negative XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} {$200.00} 185 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$980.00} {$710.00} 138 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX Real Estate Paid XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX {$1300.00} {$1300.00} XXXX XXXX   XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$450.00} {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Product: Checking or savings account

Friday XX/XX/year> Ive contacted my bank ( CHIME ) regarding the dispute for the transaction of {$450.00} XXXX XXXX on XX/XX/year> at XXXX. I have proof of screenshots with numerous videos in my photo gallery the merchant provided illegal vehicle which was UNSAFE for me to drive to operate in my XXXX XXXX XXXXXXXX XXXX XXXX  I leased the vehicle due to my personal circumstance on XX/XX/year> unfortunately XXXX rejected the documents and the vehicle was not approved in my drivers platform and the Illinois XXXX  had this vehicle ( XXXX XXXX ) license plate # XXXX XXXXXXXX contained major violations. I contacted this company the same day ( also have screenshot for the phone call ) informed them the situation, and I was told have patience immediately I dropped the vehicle off next morning XX/XX/XXXX at XXXX. I was told my security deposit will be refunded in XXXX business days but this fraudulent company charged half of my deposit for {$240.00} for the service Ive NEVER received ( included the miles from pick up and drop off in images ) stated that I kept the vehicle for 48hours in the receipt which is a complete LIE. Im super frustrated, companies like XXXX XXXX scamming customers who are weak and vulnerable due to employment reasons. Ive also put a complaint form to Federal Trade Commission prohibits unethical business practices that are deceptive, unfair, or fraudulent on XX/XX/year> also XXXX, XXXX attorney generals office. I want this matter to be resolved and get FULL {$450.00} refunded back to my account. Chime didnt resolve this issue for me still pending since XX/XX/year> Thank You! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - Account Number : XXXX - I mailed letters to XXXX XXXX Experian XXXX and XXXX XXXX XX/XX/2023 requesting that they all remove late payments accounts from my consumer credit report as this information is listed in violation of the following consumer credit protection laws : 15 USC 1681 Section 602 which states that I have the right to privacy 15 USC 1681 Section 604 A Section 2 which states a consumer reporting agency can not furnish an account without my written consent. *15 USC 1681a - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1666B A creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for purpose. The account has also been paid as agreed and closed. If an account is closed the company may no longer report it as late!
Product: Credit reporting or other personal consumer reports

am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that was marked inaccurate. 
XXXXXXXX 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 noticed a few unauthorized inquiries on my report I do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And late payments when my account is never late XXXX  In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is being negligent with my consumer disputes for inaccurate, incomplete and unfair information please see the following letter
Product: Debt collection

Numerous calls per day including weekends. Various times of the day. Sometimes within XXXX minutes of each other.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX  # XXXX XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX XXXX, Account name : XXXX XXXX XXXX # In XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX  # XXXX XXXX, XXXX XXXX  XXXX acct # XXXX XXXX reporting incorrect information 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. accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected rights. 

Please remove all collections on my report : XXXX XXXX XXXX acct # XXXX, XXXX XXXX : acct # XXXX XXXX, XXXX XXXX XXXX Acct # XXXX XXXX, XXXX XXXX XXXX acct # XXXX XXXX, XXXX  XXXX XXXX : Acct # XXXX XXXX, XXXX  XXXX XXXX Acct # XXXX XXXX, XXXX  XXXX XXXX XXXX Acct # XXXX XXXX, Is all fraudlent accts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX credit card along with other cards were stolen. Identity theft was proven by law enforcement in 2016. Midland Credit is still trying to collect and reported it to credit bureaus. XXXX  deleted it from my file as identity theft correctly. I have disputed this with all three bureaus and legal documentation was filed in 2016. XXXX  refuses to acknowledge this felony as not my debt. This is a felony in the state of NC. This is damaging to my well being and financially, these same felons got {$9300.00} from my bank account and tried cashing e-checks with my deceased husbands signature. I am a victim of identity theft and XXXX  refuses to acknowledge any of the legal documentation. XXXX  did this correctly. Why cant XXXX!!! XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NC XXXX. They even have several erroneous addresses. Example : Arizona. I have never even been to Arizona!
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Mortgage

In XXXX I was notified that my homeowners insurance was increasing. Lakeview has their system structured to always pass along the largest payment increase possible to the homeowner. So, they pay the full insurance increase for the year in advance and then charge the homeowner double the increase each month. It was confirmed to me by a staff member there, that they do this in hopes that it will cause the homeowner to default, so they can steal their home. The increase in my insurance was set to cause my monthly payment to increase from {$1500.00} per month to {$2100.00} per month. So, I changed insurance carriers immediately and requested that Lakeview do an escrow analysis with the new insurance premium. It came back still at {$2100.00} per month, despite a much lower premium. I asked and they said it was because they had paid the premium up front and had not been reimbursed. So, I contacted the insurance company, and they confirmed that they had received {$7500.00} from Lakeview. The insurance company sent me a check for XXXX, which I deposited and then contacted Lakeview to make the payment to them. They said that amount was low and that I actually owed them {$7700.00}. So. despite the fact that that was more than they paid, I went ahead and paid them {$7700.00}, just to be 100 % sure that I was completely paid in full. Then I asked them to do another escrow analysis, so I get my new, correct payment amount updated on the website. While I was on the phone with them, I asked for a quick calculation, and they said it should be approximately {$1600.00}. I waited two weeks and then checked the website yesterday and it still showed my payment due as {$2100.00}. So, I called today and asked why my payment had not been updated. This time, they said it was because I owed them money from property taxes. I am a XXXX XXXX XXXXXXXX Veteran and do not pay property taxes. So, how is it possible, that I owed this this inflated payment, first because of an insurance increase, then, because of the Insurance refund, then I owed them more than the amount that they paid for the insurance in the first place, and now because of property taxes, yet the exact amount that they say that I owe them has never changed buy XXXX single cent? I finally went ahead and paid the {$500.00} overcharge today, so I would not be in default. However, that makes a total of {$750.00} that I have been forced to pay them, that they have no logical explanation for! I am a XXXX Veteran, on a fixed income, and they are stealing money from me and trying to steal my home!!!
Product: Mortgage

I have a home loan with Bank of America ( BOA ) of which I have continued to make monthly payments on for several years. As of XX/XX/XXXX, it appears there was a default in the payment process whereas I was told my payments were late. Subsequently, they had charged a late fee each month and I just received a statement for XX/XX/XXXX stating that I owe double the amount. I have made several attempts to contact the customer service area with no avail. The last time I spoke to an agent was last week ( Agent by the name of XXXX XXXX ). She agreed that something happened in the system whereas I was actually paying in advance and the payment was not accurately being applied and therefore causing me to get monthly late fees over {$1400.00}. I was told that she was going to do the research and get back to me but yet again, no call or email. I tried to call again today XXXX and was disconnected. Per our conversation, I should have all of my late fees removed and my payments adjusted as I would actually be about 2 months ahead in payments. I am tired of getting the run around and feel that I am being scrutinized. In addition, I am fearful that they are going to ruin my credit when I have, in good faith, made my payments. I am not going to continue to do business with a company that can not adhere to a system of controls that harms consumers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a XXXX balance and I want all these accounts to be removed immediately of my credit report on XXXX, XXXX and Experian. Because they all are reporting closed with XXXX balances!!
Product: Credit reporting or other personal consumer reports

I have had these super old accounts with school loans that have been paid off for two years. They are reporting old outdated information that is very incorrect, and they need to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax : I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for was placed within my credit file in XXXX, 2018. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon Equifax to follow the law : Either provide documentation that the law was followed by contacting at once, or remove this offending inquiry as soon as possible.i sent these letter to these credit bureaus and i never get a responds and their no way. I can run my credit report 80 to 90 times making me not get anything and i keep dispute things on their and they never respond and when i call they tell me i got all my answer wrong i have medical issues and i cant be dealing with this head ache i have a XXXX XXXX XXXX and it very stress knowing these people messing up my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This is a notice that the following account ( s ) notation and or items violate customer and consumer laws. If these errors are not corrected immediately you will be subjugated to penalties described in 15 U.S.C. 1681 n Civil liability for noncompliance. 

These are the errors that must be corrected immediately to avoid such penalties : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX DAY LATE ; delete late payment notation and update to paid 2 ) XXXX XXXX XXXX COMMENT CURRENT REDEEMED REPOSSESION ; delete current comment 3 ) XXXX XXXX XXXX STATUS Paid, was past due 30 days ; update to Paid satisfactorily My latest EXPERIAN report number XXXX 15 U.S.C XXXX 6802 Obligations with respect to disclosures of personal information ( a ) Notice of requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

XXXX XXXX has not provided a notice that complies with 15 U.S.C 6802 ( a ). 

Also Congress has mentioned consumers right to privacy on many occasions such as in 15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for consumers right to privacy. Emphasis added These harmful items were deleted from my report, and then reinserted in violation of 15 U.S.C. 1681 ( 5 ) ( i ) which is another violation of law. 

Do not delete the XXXX XXXX account referenced above, correct it so it reads as stated in lines 1 and 2. Your company has violated consumer protection laws numerous times in relation to this accounts reporting and has shared this incorrect information with countless companies causing me actual harm. Correct your illegal reporting immediately. In occurrence with well establish consumer protection laws immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I Stayed At  XXXX   XXXX   XXXX   Under Sec 8  They Tryed To Stop Me From Moving Unless They Filed An Eviction.I Took Them To Court And Judge Gave Me  15 More  Days To Move. I Did But When I Got My Sec Dep Report They Put On It Misc Owned And A Price Of   XXXX   XXXX  .When I Asked To Explain Tat Mic Charge Required By  Law.2 y rs Later When I Wanted To Move I Found Out They Placed This On My Credit Report Causing A Problem In Me Moving. I Sent Many Documents To Equifax But They Kept Telling Me That They Needed More I Did Not Understand. I Called Them Saying I Sent You All The Documents I Have And Can not Send Anymore.They Sent Me A n E ma il Saying Now I Had To Send Them A Fed Document And That They Will Not Accept Any Other Documents.I Sent All The Papers I Had Yet They Really To Me Have Yet To Investagate To Me. I See Where It Was Removed Twice By  One Credit Agency Yet Equ ifax Placed It Back On My Credit Report Knowing That It Was Removed Removed.I Asked Her Why She Said We Can Do That .Even If The Other Agencies Removed It I Said WHY? NO  ANSWER.Even Doc Bill That Are Not {$200.00} And Up Are There Too.Obama Changed That.They  Seem To Do Not Care How Much INFO You Give They Want You To Pay For A Credit Repair Agency No Matter What.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, It has been well over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. 

My Social is XXXX My D.O.B is XX/XX/XXXX My Current Address is XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX
Product: Credit card

The credit card was closed and no information was provided for the reason for the credit card.
Product: Credit reporting or other personal consumer reports

In XXXX of 2024 i went onto the XXXX website and put in a dispute for the following XXXX Knight Adjustment Bureau on behalf of XXXX XXXX XXXX XXXX XXXX KNight ADjustment Bureau on behalf of XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX I wanted to dispute the XXXX XXXX XXXX and the Knight Adjustment BUreau since they were both the same thing And since I was disputing this i also included the Knight adjustment for XXXX XXXX XXXX XXXX since they were all around 4-5 years ago. 
when the dispute came back as it isnt going to change all 3 of these were re aged and they are showing now that we are in collections and have past due bills. XXXX  XXXX XXXX change their name for same reason to XXXX XXXX XXXX. 
THese bills were paid 4-5 years ago and we did take care of them and for them to come back as they are new in collections and we still owe them is not fair and we are wanting this fixed I have pictures attached that shows what it is showing on my credit reports
Product: Credit card

Hello, I have previously filed a complaint # XXXX, with your agency in regard to Chase Bank NA . 

After the complaint I received further communication via mail and phone that indicates that the amount that was previously offered to me months back is not the same as of today XX/XX/2023. I believe that Chase is retaliating towards me for my initial complaint to your agency. 

Chase actions are predatory and deceptive and cause emotional stress to me in so many ways. I am a XXXXXXXX XXXX  recipient and XXXX on a fixed income from the Social Security Administration. Now theyre attempting to resolve a debt at a higher amount that was previously offered to me several months ago. 

Chase Bank, NA responded back on XX/XX/2023, and they stated that deny any violation of any alleged laws and that they take complaints and claims of discrimination seriously. They also mentioned that they do not tolerate any form of discrimination as it is strictly against their policy and corporate culture. Well, I investigated and discovered 72 Federal Civil lawsuits under Americans with Disabilities act. 

When I reached out to you months back, they offered me for account # XXXX {$4600.00} for the alleged {$46000.00} and now theyre offering me {$11000.00} to settle this alleged debt. 

On account # XXXX they are offering the same amount XXXX for the alleged {$37000.00}. I called their XXXX XXXX XXXX and did not get anywhere with the representative that took my call. 

Chase Bank, NA is predatory and deceptive business operation, and the US Department of Justice is aware of their practice of business. What compassion do they have to any consumer who goes through a hard time? I know there is a consumer violation that is being violated by Chase Bank and this would not be the first time they have been cited in the past from consumers. 

XXXX XXXX impacted my life as well. I had many XXXX XXXX with the XXXX XXXX. My medical records will be provided for your review. 

I request your agencies to investigate this matter a second time. My next step is the Department of Justice. 


Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experience will not allow for me to delete my account, and then creates hard inquiries and decreases credit score based on false things.