23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

After spending hours and hours with Discover Credit Card Services they Advertise Double Match however, does not allow Customer ( s ) to fulfill to its fullest usage by suspending card and abusing their power by stating that there are security concerns. All security  questions on XX/XX/XXXX & XX/XX/XXXX have been verified. I also have been transferred from department to department and falsely accused by Supervisor XXXX ( XXXX ) that I was typing information into my phone. XXXX when you become XXXX  years of age you are not the fastest therefore, you appear to not be the brightest either. By XXXX 's actions and some of the other representatives that I have encountered, apparently Discover must very untrustworthy and poor management skills. This credit card has been paid onetime and in full in the past. For me to recommend so many friends and family members, never again. In fact, I will share how Discover is poorly treating me and not allowing me to receive the advertised points to its fullest. I am also requesting the last three months including, the current statement to be mailed at no additional cost since Discover has locked me out of my account. Discover has also been reported to the XXXX XXXX XXXX and has not received a response as of today XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

My complaint is with Commonwealth Financial services AKA North east credit & collections. They have reinserted into my credit file again a bill for {$88.00} from XXXX of XXXX XXXX To XXXX and XXXX . The last time they did this it was reported also to XXXX which they deleted due to lack of validation. 
They are reporting this time to XXXX and XXXX. XX/XX/2014 it was deleted for failure to respond to XXXX request for validation. XXXX deleted for lack of validation in XX/XX/XXXX. In XX/XX/2014 XXXX deleted this account. I have sent certified letters to XXXX and XXXX explaining my request to remove for lack of Full validation and for reinserting this account. A certified letter was sent to Commonwealth Financial services also requesting validation and warning of reinserting this bill ( I suspect they changed account numbers to claim a new bill when in reality it is the same bill? ) They can not fully validate this account and continue to violate my credit rights by doing this. The last time this happened with them your Agency helped along with the Pennsylvania Attorney General complaint which also requested the deletion of this account. I would appreciate it if you could help me on this as I keep my credit good and will be applying for a home loan soon and do not need their nonsense on this constant issue for lack of validation. The previous CFPB complaint concerning this same company is # XXXX Thank you so much, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Account name : # XXXX XXXXXXXX : XXXX, Account name : # XXXX XXXX : XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX USC XXXX ( XXXX ) ( b ). 

And according to XXXX USC XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX USC XXXX they are suppose to 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

I sent several dispute letters regarding several accounts that are being reported inaccurately with late payments even though I pay everything on time. I sent letters to the bureaus Experion, XXXX, and XXXX. They have written back to me several times promising that they have done research and have fixed the reporting. However, there are no actual changes in the report. This has been going on for several months and they seem to be ignoring the mistakes. They have not provided me with any documents proving these late payments are accurate. Please make sure they delete the status immediately on the following accounts : XXXX XXXX XXXX account- # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX and account # XXXX, XXXX XXXX account XXXX XXXX and account # XXXXThere is also XXXX account which all three bureaus must have realized the late payments were incorrect and deleted it. However, XXXX suddenly started reporting the late payments again. This account is : XXXX- account # XXXX
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. So, at any instance, where there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a deprivation of my rights and a violation of my privacy, as well. With my consumer report, I control what is listed and what is not, and if in the event any accounts are reported without my expressed, written consent, it is considered identity theft. There are also late payments reported to my consumer files which violate 15 U.S. Code 1666b, which states that no timing shall be late in relation to an open-end credit plan. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for XXXX XXXXXXXX per violation, or account listed without my expressed written consent.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 any items which are found to be fraudulent due to identity theft. These Items do not belong to me. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$12000.00} XXXX XXXX  XXXX **** XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX Owed : {$1400.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I bought a house on an FHA mortgage back in XX/XX/XXXX. It was a 30 year fixed loan from XXXX XXXX XXXX. Around a year and a half into my mortgage, it was sold to Mr Cooper ( then Nationstar Mortgage ). 

Nationstar is saying that my 30 year loan started when it was resold to them, not at the original time the loan was taken out. That's around a {$15000.00} difference in payment schedules. 

I have all the original lending disclosures from XXXX saying my last payment will be in XX/XX/XXXX and Nationstar is saying that my last payment will be in XXXX or XX/XX/XXXX. That's a HUGE discrepancy that I would like to correct. 

I tried to tell Nationstar that it was wrong and they said I'd have to call XXXX  XXXX XXXX, who bought XXXX. I tried calling XXXX XXXX XXXX and since I'm not a current customer, they won't tell me anything.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  ( I was never late on this account. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact Experian in regards to the removal of a security freeze by phone and its website and it keeps asking me for money to remove it and pay a fee for this service. The account that i have on this website is free and each and every time i go to the options in order to remove the freeze the website malfunctions on my account. Customer Service on the Experian side never answers it keeps going through the auto attendant systems for the options and you never get to speak to a real live person to fix the issues with their services or my information.
Product: Credit reporting or other personal consumer reports

Dear everyone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WRONG PAYMENT HISTORY XXXX XXXX XXXX  WRONG DATE OF LAST PAYMENT RECEIVE XXXX XXXX XXXX WRONG COMMENT ON XXXX SUPPOSE TO BE THE SAME AS EQUIFAX XXXX XXXX XXXX ASKED FOR PAY DOCUMENTS & they sent charges TO THE ACCOUNT NOT MY PAYMENT SUCH AS BANK NAME OR ROUTING. This is a violation XXXX XXXX XXXX THIS ACCOUNT HAS BEEN RE-AGED 2 different DATES XXXX XXXX XXXX  THIS ACCOUNT SAYS I HAVE A MONTHLY PAYMENT ON EQUIFAX BUT NOTHING ON XXXX XXXX XXXX XXXX  : WRONG CREDIT LIMITS ON BOTH CREDIT BUREAUS XXXX XXXX XXXX Send payment from XXXX cause i have 2 dates on payment received should only be on last payment date & not charges to the account bank name or route number XXXX XXXX XXXX  Payment history is invalid or incorrect/ inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reporting inaccurate on my credit report 90 days on XXXX & 60 days on equifax different worst payment different last reported & different last payment. No account type. Im sorry but this account inactive doesnt want to update please delete this account for frca rights XXXX XXXX XXXX XXXX 90 DAYS LATE ON XXXX XXXX 60 DAYS LATE ON EQ THIS ACCOUNT IS INACCURATE COMMENTS ARE WRONG ON XXXX & NO ACCOUNT TYPE ON EQ BUT XXXX HAS IT & I ASKED FOR last PAYMENT & THEY SENT ME CHARGES NOT MY BANK INFORMATION OR ROUTE NUMBER DEBT NUMBER SOMETHING NOT NO CHARGES BUT THIS ACCOUNT CONNOT BE VERIFIED XXXX HAS NOT UPDATED ANY ACCOUNT I PROVIDED & that A VIOLATION PLEASE UPDATE THESE ACCOUNTS COMMENTS OR REMARKS Please delete both account due to incorrect inactivity inaccurate information I just want these accounts deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to see my equifax credit score on any credit monitoring service and they keep telling me that I have to buy the equifax credit monitoring service. They have hung up in my face and this has caused me to be denied for opportunities I have provided my id and proof of address
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this COMPLAINT to help establish a legal recourse. If EXPERIAN, XXXX, and XXXX choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following accounts as they are fraudulent & were opened without my consent or knowledge : XXXX XXXX XXXX XXXXXXXX Balance {$740.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$11000.00} ;
Product: Debt collection

I have no recollection of this account and what I am being charged for. This account is reporting that I owe over {$1000.00} for a procedure that I don't remember getting or never received paperwork or mail about a debt owed for a procedure. I would like a copy of the contract I signed and a breakdown of what I owe this for. In addition to that I would like for this to be removed off of my credit.
Product: Credit card or prepaid card

On XX/XX/2023, I was checking my email and noticed that Chase Bank had sent me two emails informing me about my new credit card the problem was that I had not applied for a new credit card. I proceeded to call Chase Bank to report this fraud. They canceled the card and told me they would report it as fraudulent. They advised me to add a credit alert in the Credit bureaus. That day I called XXXX and added a credit alert to my account. 
On XX/XX/2023, I received a phone message from XXXXXXXX XXXX XXXX telling me that they were trying to contact me about my recent credit card application the problem was again I had not applied for a credit card with any bank. I proceeded to call XXXXXXXX XXXX XXXX  and informed them that I had not applied for a credit card. 
I then opened an account in XXXX to check the hard inquiries on my account and also notice that there was another attempt to open a credit card under my name on XXXX XXXX XXXX. I also called them and informed them that this was a fraudulent application they told me that they would cancel the application and report it as fraudulent. 
I then called XXXX, XXXX, and XXXX to freeze my credit.
Product: Credit card or prepaid card

My card was issued by Comenity Capital Bank on behalf of XXXX 's XXXX XXXX. 
On XXXX XXXX XXXX I was notified by the banks fraud department that there was unauthorized purchase on one of my cards ( I have two cards, one for me and the other for my wife. They both have different numbers ). The card affected was my wife 's card. 
When I responded to bank 's text with a " NO '' that it was not my purchase they told me that the charge will be removed, and the card will be blocked, and the new card will be sent within 7 to 10 days. That was well over a month ago. I contacted the bank and their fraud deportment several times, and the only response I got was, that they can not access my account therefor they can't resolve the problem, and can't take off that fraudulent charge. I logged on my account the other day ( yes I can get on my account ), and that charge still on my statement and they are charging me interest on that amount, because I did not pay it last month. Please help me resolve this, the bank is of no help, and now I don't trust them at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of account in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Account XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX
Product: Checking or savings account

XX/XX/ 2021 The banker would not let me open an account. They asked inappropriate questions over the phone. The questions were offensive and bigoted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$32000.00} ; XXXX  XXXX XXXX Balance : {$2200.00} ; XXXX  XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX Balance : {$6300.00} XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX
Product: Money transfer, virtual currency, or money service

I just received a letter from The Federal Reserve Bank XXXX New York as per attached, requesting that I pay {$6100.00} dollars in order to update my ACH validator since my account at Citibank has been dormant for a long time. 

I have also attached XXXX Letters of XXXX I received from Citibank, guaranteeing me that the funds would be transferred without further expense, but the bank is not honoring their written guarantee. 

My attorney has met with Citibank 's XXXX department and stated that they deduct the Federal Reserve charges from the funds they are holding on my behalf or advance a loan to me for the charges, using my funds as collateral. 

Our next step will be to file a lawsuit against Citibank based on their nonperformance on the attached Letters of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just getting my credit report and I seen that I had some address that are not mine. I never lived at these Places not sure how that got on my credit file. My name is XXXX XXXX XXXX XXXX SSN XXXX My address is XXXX XXXX XXXX XXXX, OHIO XXXX. Please delete any other name and or addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the inaccurate reporting of a Collections account by XXXX Collections on my credit report as of XX/XX/2023. Despite the fact that this account has been paid in full and closed, it is erroneously being reported as a Collections account, which is negatively impacting my credit profile. I kindly request the immediate removal of this inaccurate collections status from my credit report. 


I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to challenge the accuracy of this reported information. The FCRA stipulates that consumer reporting agencies are required to report accurate and verifiable information. In this case, the reporting of a collections account that is neither valid nor reflective of my credit history constitutes a violation of the FCRA. 


I would like to bring the following statutes and defenses to your attention : FCRA Section 611 : This section grants consumers the right to dispute any inaccurate or incomplete information on their credit reports. If the accuracy of the information can not be verified, it must be corrected or removed. 


FCRA Section 623 : Under this section, the information reported to credit bureaus must be complete, accurate, and not outdated. Any information that fails to meet these criteria should not be reported. 


FDCPA Violation : Reporting inaccurate information about a debt, especially one that has been paid in full, may be considered a violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA prohibits debt collectors from using deceptive or misleading practices. 


Given the inaccuracies in the reporting of this account, I expect its immediate removal from my credit report. I kindly request written confirmation of the removal and an updated credit report reflecting this correction. Furthermore, I urge you to communicate this correction to all major credit reporting agencies to ensure the accuracy of my credit history across all platforms. 


I appreciate your prompt attention to this matter. Please respond to this dispute within 30 days of receiving this letter and provide details on the actions taken to rectify the inaccurate reporting.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX  XXXX XXXX Balance : {$21000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance {$530.00} XXXX  XXXX XXXX Balance : {$300.00} XXXX  XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

On XX/XX/XXXX  I sent a Certified Letter with Tracking and a Return Receipt Tracking to Caine & Weiner asking their office for Validation, Not Verification on the Creditor : XXXX  in the amount of {$120.00}. On XX/XX/XXXX  I received a Verification letter back from XXXX XXXX from the office of Caine & Weiner. The office of Caine & Weiner Did Not provide what I requested from their office. On XX/XX/XXXX  I then sent another Certified Letter with Tracking and a Return Receipt Tracking to the attention of XXXX XXXX who sent the letter from the office of Caine and Weiner and have not received a response back from their office. They have Violated my right to Opt Out under 15 U.S. Code 6802 ( b ). All three bureaus are also in Violation. I never received a letter giving me the option to consent the furnishing of any credit reporting to the bureaus, nor giving them permissible purpose to furnish private information. This is damaging and hurting my reputation in my everyday life due to not being able to receive credit, funding or approval, even for rentals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX