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

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2016 Balance : {$2400.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account previously in dispute, Company failed to resolve. 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 sign consumer contract and any and all accounts you post on the credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof and original consumers contract with my signature on it you have on file of the accounts listed below. XXXX failed to positively verify these accounts. 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. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  and XXXX XXXX The unverified items listed Above remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and it is correct. In the results of your first and second investigation you stated in writing that you verified that these items are being Reported correctly? Who verified these accounts? You have not provided me any copies of any original documentation required on the section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and a remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious to consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I also believe that another credit file have been mixed with mine.
Product: Credit card or prepaid card

They never approve my credit line increase requests always get the same response letter they dont value me as a customer even for the holidays they wont increase it and I want a second card they decline me for a new account I wanted thr delta sky miles card since I travel so much with them and can get miles by having their card but they wont approve me and always complain
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove negative fraudulent information on my credit report. This in violation of the FCRA.
Product: Credit card

The credit card company offers travel insurance as a benefit of the card.Travel insurance covers trip delay.I submitted a claim for a trip delay however the company requests that I provide documentation form the airline about the delay and the airline doesnt provide this kind of information.I provided alternative notification about the delay but the credit card company is not accepting it, they also claim that they are not able to verify the delay of the flight.
Product: Debt collection

I noticed an unfamiliar company on my credit report bringing down my score that I had no previous contracts or business with. I contacted the company to request a debt validation letter and the agent refused to send it.
Product: Credit reporting or other personal consumer reports

I refinance my vehicle with XXXX. They in bad faith promised insurances for XXXX  XXXX and or XXXX this promise was fraudulent made by a representative through email that no longer works for the company XXXX XXXX XXXX. 

They lost the original contract and attempted to recreate a contract and have me sign when I refused They placed a repo on my credit. I returned the car before they had even placed the report. 

They apologize in email about the fraudulent contract a XXXX XXXX XXXX apologized but when I wanted to give them the car back and refused to sign a second fraudulent contract that is when they placed on my cresit than closed the account so thay this repo would stay on my cresit for the next seven years.

They kept denying my insurance Policy in effort to cancel out my insurance so they could sell me a high end insurance through their company even though I provided my insurance six times. 

The XXXX insurance was not able to be used when I needed it because the company switched up and said they XXXX started this insurance for XXXX XXXX XXXX XXXX they stated XXXX XXXX started this insurance than switched up again and stated they started it but only in the event I pass away can I use this insurance. 

This company had to be by far the worst financial institution. I have sent information supporting these statements to cresit bureaus with hopes that rhe cresit bureaus won't ignore my dispute. 

We have a pending court hearing and everything stated is also stayed in emails sent
Product: Credit reporting or other personal consumer reports

Per FCRA 605B, you must remove incorrect accounts from my credit history. Kindly review the documents, as some accounts have inaccurate reporting of amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX DOB : XX/XX/XXXX XXXX  XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by BANK OF AMERICA in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate and unverified late payments listed by BANK OF AMERICA. 
I challenge the accuracy, compliance and reportability of this listing because during the time the company was reporting these late payments I was never notified of the late payments being reported. I never even received statements. 
1. 120 DAY LATE PAYMENT IN XX/XX/XXXX 2. 120 DAY LATE PAYMENT IN XX/XX/XXXX 3. 120 DAY LATE PAYMENT IN XX/XX/XXXX 4. 120 DAY LATE PAYMENT IN XX/XX/XXXX 5. 120 DAY LATE PAYMENT IN XX/XX/XXXX Please validate this information with BANK OF AMERICA and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.
Product: Credit card or prepaid card

I asked Bank of America to stop an electronic funds transfer from a company that I revoked authorization to do monthly EFT s. The eft 's are done on a Bank of America credit card where I have revoked authorization with the company to do these EFTs. Bank of America is allowing these EFTs to continue even though I have revoked authorization with Bank of America to stop these EFT s being taken from XXXX XXXX XXXX XXXX XXXX for {$260.00} every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting ACT XXXX  Account XXXX XXXX XXXX XXXX and account XXXX XXXX XXXX XXXX has ben 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 WRIITEN INSTRUCTIONS.

15 U.S.C 1681 SECTION A ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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

To Whom It May Concern : I recently reviewed a copy of my ( XXXX, XXXX, and Transunion ) credit report and I noticed some late payments on there. 

Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Your company is in clear violation of the law. 

Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL. 
Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give your company written permission to furnish these late payments on my credit report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all the late payments from my consumer report, this agency violates 15 USC 1681.

Failure to respond satisfactorily with deletion of the above-referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 USC 1681n Best regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear MIDLAND CRED, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the Missouri Credit Reporting Act.

It has unequivocally come to my attention that MIDLAND CRED has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law provides specific protections for consumers regarding credit reporting. These laws emphasize the necessity of consumer consent for credit reporting and establish clear guidelines for the fair reporting of consumer credit information. 

I assert with unwavering certainty that I have not provided consent for MIDLAND CRED to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 
I demand, with the utmost certainty, that MIDLAND CRED immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Credit Reporting Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that MIDLAND CRED will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus and FIFTH THIRD BANK, NA to remove these 2 accounts. The 1st one was opened on XXXX XXXX, XXXX ( 7 yrs, 8 mos ) which make it obsolate under the 7 years statute of limitation of the FCRA. The second one was opened on XXXX XXXX, XXXX ( 7 yrs, 11 mos ) which also make it obsolate under the 7 years statute of limitation the FCRA. The accounts are also fraudulents.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I have been trying very hard to build my credit back due to a divorce ... 
As of XX/XX/19 my credit score was XXXX ... I looked today XX/XX/19 and Experian had knocked me down 3 points ... I tried to call Experian and ask them why they did this but I couldn't get an answer from them ... this is very frustrating to work so hard on your credit and have this to happen ... it really discourages a person ...
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have continually ( even through here ) asked that this company send me any correspondence including mortgage statements for informational purposes and other correspondence to my home address that they have on file. My husband XXXX XXXX filed chapter XXXX and also he has a XXXX XXXX XXXX which I dont have access to. He has a key - I dont. I do have access only to the informed delivery of that box which shows me that they sent to items to the box - yet to my home address in my name only - I have received nothing. I have not filed for bankruptcy so if anyone were to default then this mortgage company would come after me, yet they wont send me DIRECTLY to my home address the info I need. Now if they want - I can make sure I change my address and dont forward my mail like XXXX did - so that they dont find me, but I dont play games like that. Secondly, XXXX was pulled out of my dcu ( XXXX XXXX XXXX XXXX ) checking account for XXXX and I would like to know who authorized the payment on the phone because XXXX XXXX isnt an authorized signer on that account so you should have my voice on their allowing you to pull the money and if you dont- then you are allowing XXXX to use my info to pay without my consent and thus I want the recording as does my lawyer for the authorization for the XXXX payment which I know they do. 

This company repeatedly does not listen to what you require and they allow unauthorized transactions and I am getting pretty upset at this juncture with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, received a notice that said the dispute was investigated and was found accurate. When I looked at the credit report the item was still inaccurate. The dispute resolution said that it was found accurate. However, this is not true. 

SUMMARY : I disputed the The XXXX XXXX XXXXXXXX account on XX/XX/XXXX because it was inaccurate. On my credit report it showed {$290.00} as a profit, loss, writeoff. But the balance should be XXXX and status should be included in bankruptcy that was filed XX/XX/XXXX. I was told that it would be investigated however, I received a quick response from credit bureau on XX/XX/XXXX, saying that they found it to be accurate. 

I contacted XXXX XXXX XXXX with the number listed, XXXX on credit report, and received the number has been disconnected. So I'm not sure how the credit bureaus validated or verified accuracy. 

I called Trans Union on XX/XX/XXXX to ask for verification and documents of how it was verified they couldn't provide me with that. Instead they said they can redispute it. That option didn't satisfy me because I have to wait 30 days till inaccuracies are cleared up from my credit report. This is affecting my credit more so, because the account is not listed in a bankruptcy that already had dropped my score.
Product: Checking or savings account

A check I sent to a client was stolen in the mail and cashed fraudulently. I submitted all of the required documentation for the claim that Chase asked me for. The representative on the phone assured me they " had everything they needed and I would hear back in 30-60 days '' I received no correspondence from Chase over the next 60 days. I called them after about 55 days and they told me that they now wanted me to resubmit the documentation because a section on their form that asked for a signature from " maker or payee '' required the payee and not the maker. They told me they had not started their investigation because the request was incomplete even though they assured me they had everything they needed 55 days ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that there is an account reporting on my credit report, that I have no knowledge of. I have contacted XXXX, and they were unable to locate an account under my information that I gave to them. I then disputed this account with the XXXX. The dispute was closed with a status of " updated ''. I don't believe that his account was properly investigated because if it were, the account would have been removed from my credit report as required. 

I noticed that the account 's date of last activity was changed, which is causing even more damage to my credit. Upon further investigation into this account, it appears that creditor or XXXX are reporting vastly different payment information each month, and the payment information is being changed from month to month. In addition, there are currently 3 different date of last activity being reported : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX has been reporting this account as 120 days late for many months, while XXXX and Transunion report it as a collection/charge off. Transunion and XXXX are not even reporting the last payment date. This is negligent reporting on behalf of all parties involved. 

This is incredibly detrimental to my credit and is also a violation of the FCRA. I request that this account be removed from my credit report with all credit reporting agencies and that XXXX cease collection efforts and stop falsely reporting this account to my credit report immediately. I am attaching copies of my credit report showing how the payment information is being reported differently across each XXXX  as well as from one month to the next.
Product: Checking or savings account

My name is XXXX XXXX and I am a victim of sim swap. On XX/XX/XXXX, I started getting tons of spam text. My internet was cut off 15 minutes later. Calls, texts couldn't be made or received, neither the GPS was working. I went to the XXXX store in XXXX, NY. My phone was operating after the XXXX store switched my sim card. I went to XXXX XXXX and XXXX XXXX XXXX, NY. My debit card got declined. I attempted to check my bank account in XXXX XXXX, but was not successful. I got to my car, I clicked on the forgot password on the Chase application, put the same password and got in. The amounts of {$5000.00} and {$26000.00} were unauthorized moved from one account to another. Then I had three unauthorized purchases done at two different XXXX stores in the city. The purchases were made of {$8700.00}, {$15000.00} and {$7200.00}. I never got a call to verify these transactions. I called Chase to put in the claim. I got only 1 claim number for the purchase. I did a Police report. On the XXXX, I faxed the Police report number. I called on the XXXX, my claim was denied because according to Chase the purchases were authorized. They refused to email me a denial letter. On the XXXX, I faxed the police report. On the XXXX, my claim was closed again after confirming that they had the report. The claim got reopened and I got 2 claim numbers, for unauthorized transfers and the three unauthorized purchases. An XXXX XXXX had changed my password on XX/XX/XXXX and I own an XXXX XXXX. Chase saw my phone couldn't log in to the application on XX/XX/XXXX. On the XXXX, I got credit for the unauthorized purchase and XX/XX/XXXX, the XXXX Department removed the money that was credit. On the XXXX, my case was denied because until this day I still have the debit card. On the XXXX, I filled out an Executive Complaint. On XX/XX/XXXX, I got a call from the Executive complaint. I was told that they will look into my case, but they did not think the claim was going to get approved. The complaint was denied on XX/XX/XXXX. The Executive Complaint Department refuses to provide me the information that shows that my debit card was declined in XXXX XXXX and XXXX in XXXX, NY on XX/XX/XXXX. On XX/XX/XXXX, I faxed a picture of an open email that was found asking to verify the first transaction under my All Mails. Those emails were not found under Inbox or Deleted emails. On XX/XX/XXXX, I went to the branch where I filed the Executive Complaint, I was told that there was nothing else they could do.
Product: Credit reporting

over the course of the last two years I have tired unsuccessfully to get Transunion to provide me with the method of verification of the alleged bankruptcy public record used to verify disputed information. Transunion has refused to provide me the required method of verification per FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). I have supplied the latest letter I received from Transunion dealing with a complaint filed with the Ohio Attorney General office. As you can see from the letter Transunion believe that they do not in fact have to comply with this section of the FRCA. I asked for the method of verification in letter form sent US mail, by Fax, and via telephone conversations with Transunion they were ignored or I was sent a form letter saying that they would not reinvestigate. Per XXXX TransUnion Corp the courts have held that the credit reporting agency must do more the parrot the results of the initial investigation and they must conduct there own independent investigation