23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/XXXX of this year my unemployment agency had requested a card from relai card/ US bank services for me to receive my unemployment benefits on. Online it states that the card should be received within 3-5 business days. On the 6th business day I called the company because I have yet to receive my card they told me that it will take 10 business days due. I said okay well on the 11th business I still havent received my card so I gave them a call back. During this time they told me my card was in the mail.On XX/XX/XXXX I contacted the company again on this day they told me my card hasnt processed and that they would issue me out another card which would be expedited shipped and I should receive it within one to twXXXX business days. Every time I called I got a different answer and no one can tell me why my card hasnt even been shipped. It is now XX/XX/XXXX almost a month later and I still dont have my card. I have bills
Product: Credit reporting, credit repair services, or other personal consumer reports

I put a security freeze on my credit via XXXX while I was an XXXX consumer. I removed the freeze to provide my credit history to a prospective landlord. Experian also apparently put a security freeze on my credit. However, I am unable to reach a human being or use the website to remove the freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whome it may concerned, Hello, My name is XXXX XXXX and I would like to inform you guys that I haven not been able to get my late payment removed from my record. This is not a complaint but rather a request to have my late payment removed from Experian Credit reporting agency. In XX/XX/2016 I had death in my family and had to travel back to my country XXXX. Before leaving I had called my credit card company to let them know I wont be able to make a payment for at least 3 months because my mom passed away and had to go back to my country where there is no internet connection. The representative I was talking to assured me that it was totally fine and she would notate my account and suggested to make a make after I come. After I returned back home I found out that my credit card company had alredy reported my payment history as 60 days late. I then contacted Experian several times to have that late payment removed but it was unsuccessful. I totally understand that the experience is unable to remove my late payment because I do not have any evidence to prove why was I late. Therefore i do thank Experian for trying to work on my dispute on time even this they were not able to help me. Hence, here I am making a request to you guys if there is any way my issue could be resolved here. I would be very grateful towards you and your organization for whatever the help I could possible get so my late payment history will be removed. 

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

15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of this receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!

PLEASE DELETE THESE ITEMS IMMEDIATELY!!

These accounts should not be furnished on my consumer report as they are in VIOLATION under 15 U.S. code 1681b- permissible purposes of consumer reports ( a ) IN GENERAL to subsection ( c ) any consumer reporting agency may furnish a consumer report under these following circumstances and no other : ( 2 ) In accordance with WRITTEN INSTRUCTIONS from the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT is identity theft. As a consumer I am demanding the deletion of these accounts immediately!
Product: Debt collection

Receivables Performance Management calls on Behalf of XXXX XXXX to collect XXXX dollars on an account that was opened through XXXX XXXX with my stolen identity. I became aware of the issue and filed a police report. I submitted the report to the credit bureaus and was eventually cleared of the negative impacts on my credit. Receivables Performance Management was made aware of the issue and still had the nerve to try and collect on this fraudulent debt. Im sure they have scammed numerous people using this tactic. The tactic being, they are aware thr victim is not at fault for the debit but still harass the victim into paying. Receivables Performance Management harasses me via phone about 3 times a week. I will not pay for fraudulent debit under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up on my previous complaint dated XXXX  to notify you to remove the items which keep appearing on my file that I've already disputed time and time again. Please remove these erroneous items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX
Product: Debt collection

XX/XX/2024 Attn : Hunt & Henriques LLP XXXX XXXX XXXX XXXX XXXX Ca XXXX To Whom This May Concern, I am writing this letter to follow up about the request sent via mail, letter dated XX/XX/2024. As of today you have failed to provide ALL requested documents as stated on that request. Please find a copy of that original letter sent. It is your obligation to follow up with what is being requested by the attached letter. 

Please REFRAIN FROM CONTACTING ME VIA TELEPHONE. Any pertinent information regarding account stated above should be sent by mail only. 

Please send as requested.
Product: Mortgage

New mortgage in 2015, with fixed rate of XXXX. Mortgage payment has gone up over {$300.00} since the origination of the loan, becoming harder to make payments. We have decreased insurance to help lower payments but they keep raising payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am resubmitting this complaint because my core issue was not resolved. I am complaining that XXXX XXXX can not include XXXX XXXX codes or XXXX codes without a signed a XXXX release. Please address the main issue. I am prepared to hire a lawyer if this is not resolved. I have attached proof. Please actually look at it.
Product: Checking or savings account

I am reaching out in regard to a situation that I have been dealing with for over a month now. In XXXX a company called XXXX XXXX  access both of my Chase accounts as well as my XXXX XXXX XXXX Account. They withdrew hundreds of dollars from all three accounts. The charges were no authorized as I had already paid the company any outstanding balances. 

I immediately contacted both Chase and XXXX XXXX  XXXX. All charges through XXXX XXXX XXXXXXXX were reversed and the debt card was cancelled out. I had no further issues with the XXXX XXXX XXXX XXXX. The Chase Accounts continued to have over 20 additional charges to the accounts, which not only through both accounts into negative and then placed holds on the money that had been deposited from my employers because it took days for the money to be put back. 

Although I was informed by Chase that the cards were cancelled, and the company would no longer be able to access the account the charges continued to come in and I was required to call Chase each day and let them know the charges were still coming through on the accounts. Each time I was told that the " digital wallet '' was not deleted, and they needed to complete the process again. A total of XXXX different debts cards were sent out to me, which included me paying the rush fees because it was taking forever to obtain a card. Each time I was issued a new card more charges from XXXX would come through and again I was told the " digital wallet '' was not deleted. 

Yesterday I received notification that all the unauthorized charges were going to be reversed, because according to Chase the " investigation '' showed that the charges were authorized. I did not authorize XXXX to charge my Chase accounts or my XXXX XXXX XXXXXXXX Account as I owe the company nothing. According to the letter sent from Chase they are going to charging my Chase Accounts over {$200.00} for these unauthorized charges. 

I have filed a complaint with the Arizona Attorney General 's Office, the Federal Reserve and the Consumer Financial Protection Bureau. 

I have attached the completed payments to XXXX as well as the notification from XXXX XXXX XXXXXXXX where they attempted to charge my XXXX XXXX XXXX account also.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a VA backed mortgage with Flagstar Bank. My loan was transferred from XXXX XXXX XXXXXXXX and since the transfer they have reported me as missing 5 payments on my credit report. I have gone as far as calling them on a three way with my insurance company ( XXXX ) and call ending with all was good with my account. My mortgage and cars are bundled under one plan with XXXX. I am a veteran that is XXXX XXXX XXXXXXXX and exempt from paying property taxes. Flagstar wants to collect an escrow on my mortgage. I have forwarded letter from governor and other pertinent documents to flagstar and they are not satisfied with this. They receive my payments and becausr i refuse to pay them escrow, they report me as missing 5 payments.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have already made payments of more than double the amount borrowed. I have had NO contact with or from this company since  XXXX  or  XXXX   XXXX , at which time I disputed interest charges & wanted a new settlement of the account & they indicated that they would credit my account & I was considered paid in full as I indicated I was going to consult an attorney or file complaints.   On  XXXX / XXXX / XXXX  a call was made to my employer when I was not there & a message was left that " I 'd better call.. '' I called this unrecognized number & gave out my current address, as I did not want anyone showing up at my workplace. A summons in a sealed envelope was found in a neighbor 's bushes on  XXXX . I am being sued for much more than I originally  borrowed ( & alre ady paid off ) plus legal fees, court costs & process server costs.There is NO other attached documentation on this summons. Prior to this I have NOT gotten any letter, etc., that would allow me to dispute and/or dem and the customary debt validation, along with the associated waiting period. I suspect that Harpeth d  ba/ Advance Financial has sold off this loan & the attorney will have a " flimsy sworn acct. '' as " proof '' from Advance. The address on the summons is where I lived TWO years ago, which bears out my suspicions about Advance selling my account to an atty/ ''  XXXX  '', as Advance has had my current address the entire time I was their customer.
Product: Credit reporting

Experian did their investigation and came back with updated information. Well i called the creditors which i will list and they all came back and said they have no infomation on file. How did Experian investigate without calling the creditors to see if this was my account. Also in 2013 I was a victimn of ID theft which Experian could have a did better job at investigating the inaccurate information becasue it is still on my file1.XXXX account # XXXX ( no file ) 2.XXXX Bank Account # XXXX ( no file ) They sold this account to XXXX XXXX so it is being reported twice. 
3.XXXX Bank account XXXX XXXX XXXX and XXXX account XXXX XXXX are the same account. I have a letter that i will upload saying for the credit bureaus to take off my credit5.XXXX XXXX account # XXXX ( no file )
Product: Checking or savings account

Approximately on XX/XX/year> I received a letter from Wells Fargo advising that they needed to review my information, and I needed to provide this information on or before XX/XX/year>. If this information was not provided by date before mentioned my account could restricted or closed. 
I visited my branch on XX/XX/year> with the information requested and presented to Wells Fargo representative : XXXX XXXX and Branch Manager : XXXX XXXX. They bank personnel filled out a form, of which I received a copy and also made a copy of my XXXX Drivers license, the XXXX XXXX XXXX XXXX and my social security card. XX/XX/year> I was purchasing at the store and both my debit card and my credit card with Wells Fargo were denied at time of purchase. Immediately after the embarrassment I endured I decided to go to the branch at Wells Fargo again and ask why my cards were restricted. 
The bank informed me that not only my cards were restricted but also my account funds. I requested to know since when my account was restricted because I was concerned that I had made payments of bills as my car, my car insurance my medical insurance and my cellular phone in the prior week. The representative informed me the account had been restricted on XX/XX/year>. The branch had no reason for this decision in the part of Wells Fargo. I also contacted their general number and the representative told me they had not had a chance to review document yet due to staff shortage and the many letters they had to send to their XXXX XXXX customers. Today the Bank sent me an email telling me it could take up to 10 business days to release my account from the day I made the complaint on XX/XX/year>. This is unacceptable and I feel I have been discriminated for the fact of being born in XXXX.
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 how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$970.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX XXXXXXXX : {$980.00} ; XXXX XXXX XXXX XXXX XXXX : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX : {$2000.00} ; XXXX XXXX XXXX XXXX Balance : {$700.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$2000.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$200.00} ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX, XXXX Inquiry : XXXX XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

According to FCRA XXXX, it's necessary for us to eliminate any erroneous accounts from my credit report. Could you kindly review the documents? I'm feeling unsettled due to the inaccuracies in some of the listed accounts.
Product: Credit reporting or other personal consumer reports

Transunion has failed to adhere to 15 U.S.C. Sec. 1681i ( a ), by failing to complete an investigation within 30 days of receipt of a dispute letter. On XX/XX/XXXX and XX/XX/XXXX, I sent dispute letters to Transunion informing them that were reporting incorrect payment history for the account XXXX. My account with XXXX was deferred due to XXXX and I was protected under the CARES ACT. It has been over 10 months since my fist letter, and Transunion has failed to remove the late payments reporting XXXX and XXXX of XXXX. Please note that you are reporting that I was 120 days late in XXXX and XXXX which is not possible. Furthermore, the account is now past 7 years meaning that it should no longer be reporting on my credit report. XXXX and XXXX have since removed this account. I urge Transunion to address this matter promptly and rectify the inaccuracies on my credit report within 7 days since this is long overdue. Failure to do so will leave me with no option but to initiate legal proceedings. I have documented our communications and the specific instances of non-compliance, which will be presented as evidence in any legal proceedings. It is my sincere hope that Transunion will take immediate action to rectify this situation and prevent the need for further legal action. Please see the attached dispute letter sent 10 months ago which is dated and time stamped. Remove the late payment and update the aforementioned account to paid as agreed never late. XXXX is in violation of 15 U.S.C. Sec. 1681i ( a ), 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). I can sue up to {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I personally sent a Dispute Letter via Certified Mail to Experian on XX/XX/XXXX. This letter was delivered on XXXX XXXX XXXX XXXX XXXX XXXX as reported by USPS. 

I included the following information - A personally typed letter of a dispute with an information request - A copy of driver 's license - A utility bill with my full name and address to match my driver 's license and info on the letter This information was not only what my legal counsel advised, but it is also what I was told to provide by 1. ) the Experian website and 2. ) those who work in the dispute department at Experian. 

Today, on XX/XX/XXXX I received the attached email from Experian stating that my dispute does not appear to have been sent directly by me or to be authorized by me. As a precautionary measure, Experian has not taken any action on my request. 

I have provided all the necessary info needed to dispute this request properly. I have called Experian 's dispute department and was told that they couldn't disclose to me why it did not appear to have been sent directly by me. 

Not only do I not recognize this debt in any capacity, but I also noticed that XXXX XXXX XXXX reported this collection account as " past due ''. With that said, per my legal counsel I have been advised that a collections account is past due by default therefore they have failed to list this accurately. 

This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and Experian is required to remove any information that is not true, accurate, compliant, and verifiable. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX to release my medical information to a third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Student loan

The collector left a voicemail message on my husband 's phone, stating that the message was for another person ( stated the name ). She stated that she was attempting to reach me ( stated my name ), and to have me contact her. She gave her name and the name of her company, and what the debt was for. The caller was not authorized to contact anyone other than me about the debt, and is calling random people with the same last name in an attempt to reach me, but is disclosing confidential information that no one else should have knowledge of. I have retained the voicemail message for my records.
Product: Mortgage

I do not agree with Bank of America stating that I am delinquent 3 payments. I was instructed by Bank of America that in order to qualify for a trial modification on our mortgage that we would have to be two payments delinquent. They also said they would apply these two payments at the end of our loans. We requested some assistance to lower our monthly payment, we tried their trial modification and at the end of the trial our mortgage payment was much higher than the one we had so we turned down the modification. We have been trying to resolve this issue with this allege delinquency for over 15 years. Each time we start, they gave us a date, we submitted proof the agent just stopped communicating with us. Upon calling the bank we found out the agent that was working with us had moved or left the company. The same thing happened when we attempted to apply for other loans with Bank of America, they would lose our application and we had to start all over. one time an agent told me that our delinquency started when we transferred from XXXX XXXX XXXX XXXX. I do not feel that they updated my payments to my account accurately. Example payments posted in 2014 for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for {$1600.00}. I do not understand how I could have thousands of dollars in Unapplied totals and where the monies came from and where it went.
Product: Credit card

Received two American Express - AMEX gift cards. One for {$100.00} and one for {$25.00}. I have exhausted myself trying to use them and calling the number on the back of the cards. No help what so ever.