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

Eagle finance company closed and sold my account over to XXXXXXXX XXXX XXXX in XXXX Ive been making monthly payments to XXXX XXXX XXXX since XX/XX/XXXX. And Eagle Finance has been reporting late payments to my credit report 90 days late every month since XX/XX/XXXX. Every time i called to discuss this matter they tell me to contact XXXXXXXX XXXX XXXX about it. But every time i try to discuss this matter with XXXX XXXX XXXX they tell me To contact Eagle. They have been giving me the run around about reporting these payments 90 days late for 6 months now. 
If Eagle Finance no longer owns my debt, the late payments being reported from them need to be stopped amd removed
Product: Credit reporting or other personal consumer reports

I sent out certified letter demanding immediate removal of those accounts provided in the letter attached which was back in XX/XX/year>2024 which my demands was not met now I demand immediate removal & be compensated XXXX for violating my rights
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. 


Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX 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, credit repair services, or other personal consumer reports

To whom it may concern : The Fair Credit Reporting Act ( FCRA ) allows me to dispute any information on my credit report that I believe is inaccurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting on do not meet federal or state requirements for reporting and can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case! 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I applied online for my full LexisNexis Consumer report and never received it.
Product: Debt collection

I had a phone with XXXX XXXX they told me they will mail the final bill due to I transfer to XXXXXXXX XXXX  will take around 90 days due to the bill end before the end on the month. Today I receive it a letter that Im in collection with out never received my final bill or any other bill. I never Denied to pay my bill and they was calling from a number that I dont even know. my social per hippa is confidential I did a contract with XXXX XXXX not with frontline Asset and my address was never change I continue living same place XXXX XXXX XXXX XXXX XXXX XXXX. I need your help on this matter .I call XXXX XXXX and they told Me they couldnt do nothing. how they send me to collection with out send me a bill or let me dispute or else. I never received my final bill.
Product: Checking or savings account

I received a check from a customer for nearly XXXX dollars and Wells Fargo decided that was suspicious somehow and said there was a hold on the funds for nearly two weeks nearly bringing my small business to a standstill. When I asked Wells Fargo for an explanation they wouldnt give me anything besides unusual activity and wouldnt elaborate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 5 letters starting in XXXX of XXXX to Transunion to verify an account that is reporting that should not be on my report. Ive attached the last letter sent to them, and I still haven't received validation or removal of this item,
Product: Mortgage

Had a residential mortgage with XXXX XXXX XXXX, which was transferred to Chase Bank when XXXX XXXX XXXX   failed about ten years ago. In XX/XX/XXXX, Chase Bank agreed to refinance the mortgage and claimed that they had " lost '' the original mortgage and note and stated that they would issue a new mortgage. I closed on the refinance on XX/XX/XXXX. To date, the satisfaction of the former Washington Mutual/Chase mortgage has not been recorded. Chase has recorded the " new '' mortgage and now there are two open mortgages of record against my home.

I requested that Chase supply me with an indemnification for the lost mortgage and note and they have not responded.

This transaction involved property in NY State, and, Chase is obligated to pay a penalty for late filing ( or in this case the non-filing ) of my mortgage satisfaction and for the failure to deliver the original note and mortgage. At this time, the county records show both the " new '' Chase mortgage and the " old '' Washington Mutual mortgage. If I try to sell my property, there will be a problem because the Washington Mutual mortgage is still showing as of record. I also want to be paid the NY statutory penalties for late filing and the failure of Chase to provide the lost note and mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT DUE TO THE EXTENSIVE DATA BREACH VIOLATION FROM EQUIFAX. I HAVE PROVIDED THE CREDIT REPORTING AGENCIES THE PROPER DOCUMENTATION TO BLOCK THE INFORMATION FROM BEING REPORTED ON MY CONSUMER REPORTS YET THEY HAVE NOT COMPLIED.
Product: Credit card or prepaid card

I had contacted US Bank to cancel one of my credit cards back in XXXX when they posted annual fee for next year, and the representative promised to refund my annual fee of {$95.00}, but it never happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4800.00XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the Collections section on my credit report from Equifax dated XX/XX/2017 it shows I have two collections from the same company, which is the exactly same account.
Product: Debt collection

Conn 's calling my phone up to 8 times a day. I told them on Monday I would be making a payment and they still continued to call. They have called my work once. They called my mom and she told them to stop calling and they told her that they will just call my work. I 've answered the phone several times and no one is there. I have the call records on my phone to prove it. I would like to press charges against them. I will never deal with them again. We only owe {$52.00} and change.
Product: Checking or savings account

TD Bank checking acct with XXXX  balance keeps charging XXXX monthly fee,. Wrote 2 letters to them to close acct with XXXX bal. They do not. Last month I sent a check for 2 months fees and again said to close acct. Now I get a 3rd notice for 3 months of fees for XXXX. They never even deposited the check to my XXXX checking acct. Company has worst cust service. No chat/call wait times horrible and do not respond to my letters. Should be closed down for cheating customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB compalint to you today to order the Credit Bureaus to update and correct the dispute accounts and infomration that are erroneously rep [ orting on my Credit reprort! I have been sending multiple lettes requesting that the Credit Bureaus reinvestigate the disputed accounts from my credit report as well as place temporarily remove or update these items from my report during the investigation period. As of this date, you have failed to respond to my request. Again, please reinvestigate if the following items are inaccurate, incomplete and outdated. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance {$0.00} Date Opened XX/XX/2014 XXXX XXXX  XXXX XXXX Balance {$8600.00} Date Opened XX/XX/2014 2014
Product: Debt collection

My report contains accounts I never consented to. Please address this fraud by blocking and removing them promptly.
Product: Debt collection

On XX/XX/XXXX I received a notice from XXXX that I had a new derogatory mark on my credit. When I checked to see what it was, it was a balance of {$270.00} from Credence Resource Management. I do not recognize this debt as I have never received any communications whatsoever regarding this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see CFPB complaint XXXX which was closed after Certegy represented that it would provide me with the requested information. It did not. Again, this dispute began when I tried to make a purchase from the XXXX calogue. After Certegy rejected my check I attempted to obtain an explanation for its actions by calling their phone line. I thereafter contacted the website. Finally, I contacted Certegy in writing. On each occasion Certegy refused to provide me with an explanation for its adverse action unless I disclosed my Social Security Number and Driver 's License Number, neither of which were available to Certegy at the time it rejected my check. Certegy continued to demand the unrelated PII in response to my complaint with the XXXX XXXX XXXX. Finally, after my CFPB complaint pointed out that it appears that Certegy is randomly rejecting checks in order to collect a PII data base, Certegy purportedly agreed to provide me with an explanation as to why it rejected my check. However, Certegy 's explanation is meaningless, advising me that the rejection of the check and interference with my financial transaction with XXXX could have been based on " the check number, dollar amount, check-writing history or other transaction details. '' Such a response, along with Certegy 's assurances to CFPB that it would provide me with an explanation as to why my check was rejected makes a mockery of the Complaint process. If it is not within the CFPB 's jurisdiction to investigate Certegy 's misconduct, I would be grateful for a referral to the appropriate agency.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries appearing on my credit report due to identity theft connected to the recent data breach. Pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information upon receipt of notice and supporting documentation.

The accounts and inquiries in question include : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX To assist in your investigation and fulfill your legal obligations, I have provided the following documents : A copy of my government-issued ID Proof of address A copy of a police report or FTC Identity Theft Report The data breach has caused me considerable distress and financial harm. I demand that Experian take immediate action to block and permanently delete these fraudulent entries from my credit report. Additionally, I expect written confirmation that this information has been removed and an explanation of any findings related to your investigation. 
Should you fail to comply with this request, I am prepared to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, and other relevant authorities to ensure that my rights are fully upheld under the law. 
Please confirm receipt of this letter and provide a resolution within the timeframe required by federal law. Should you need further information, you may contact me at the contact information above. 
Sincerely, XXXX XXXXXXXX XXXXXXXX Enclosures ID Proof of Address XXXX FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my current credit report and noticed that I have several hard inquiries from car dealerships and numerous other businesses that I did not apply for. I went into a XXXX dealership to apply but have several different dealerships on my report, as well as mortgage company inquiries repeatedly from the same company when I only applied once. I have put Fraud alerts on my credit reports to prevent fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently discovered that my social security number has been compromised, and I am taking immediate action to resolve the issue and prevent any fraudulent accounts from being created in my name. I have placed a notice on my credit report, instructing not to open any accounts without first contacting my personal number to verify my identity. I did not authorize them to perform hard inquiries on my credit report. APPLE CARD/GS BANK XX/XX/2023 2023
Product: Debt collection

On XXXX, I contacted XXXX via online chat to resolve the inaccuracy of the final bill for service. I switched carriers in XXXX 2020 and have been overcharged ( double to be exact ) for the final XXXX bill. I have included a copy of the online chat showing the representative saying I was not charged a late fee and later in the chat he tells me I am being charged a late fee. I am not denying the debt however being charged an additional month/late fee seems to be unethical from XXXXXXXX. As a consumer, I don't understand how this company can overcharge their customers! XXXX keeps sending the debt to different collection agencies instead of correcting the bill by showing the CORRECT amount due. I can not freely give away hard earned money to a company who is purposely overcharging customers and will not be honest about charges incurred. The chat is attached for your review. Once again, XXXX has sent the debt to collections ( Source Receivable ) instead of correcting the bill.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX  XXXX, NY XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$5900.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nissan Motor Acceptance XXXX is reporting incorrect information on my credit report to all three credit bureaus. In fact, the information being reported is different on each bureau for example on XXXX they are reporting three open leases which were started in XXXX and XXXX but on XXXX and XXXX they are reported as closed. It is now the year XXXX which is more than 8 years laster and these accounts are falsely being reported as open by Nissan which makes no sense because what kind of auto lease lasts for 8 years? I will attach proof to show these accounts were being reported as closed to XXXX and XXXX but Nissan though it would be a good idea to leave them as open on XXXX and after disputing this with XXXX multiple times they simply take Nissans side because Nissan has bigger pockets than the average consumer who doesnt have millions of dollars like Nissan to pay XXXX to support their lies. I dont have any open accounts with Nissan and they have caused me huge financial problems because they are false stating on my credit that I currently have three open vehicle leases with them and I dont own any Nissans nor do I have three cars to my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of my written request, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TRANSUNION Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I looked at my report and noticed a few things on it that was fraudulent including a phone bill for XXXX from XXXX Ive never had XXXX  before.
Product: Credit card or prepaid card

The information stated the card provides a {$100.00} credit towards the XXXX XXXX application. I called to get the reimbursement and they are telling me my card does not offer that even though everything I saw stated it does. I asked to have this rectified and be reimbursed for the {$100.00} application and they are still not doing so. I asked to file a complaint and have someone follow up with me and was told they would not. Please provide the {$100.00} fee reimbursement to address this issue. Thank you.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report after being unable to access for an extended period. Upon reviewing the report, I discovered that fraudulent account have been opened under my name without my knowledge or consent. These account is charge-off which have negatively affected my credit score and financial reputation. It appears that my personal information has been misused, leading to these fraudulent activities. I suspect that my personal information was compromised, as I have not authorized these account, inquiries or transaction and I have been a victim of identity theft. Dispute and Remove these fraudulent account and injuries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

On XX/XX/18, I wanted to check my FREE credit bureau credit report from TransUnion. In doing so, the first message was " error, information could not be processed or received, '' which had then led me to a sign up page. Without my knowledge, I signed up in order to view my credit score, only to find out that on my credit card, it had charged my credit card {$19.00}. This was unknowing and thus, has led me to make this dispute. The error caused my curious self to be out of {$20.00}, leaving me to be quite angry at the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX