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

My original loan was with XXXX XXXX XXXX starting XX/XX/XXXX. XXXX XXXX I went into XXXX  XXXX weeks early in an emergent situation. I called XXXX XXXX  XXXX a few days after, informed them of what was going on & requested the payment due be put onto the back end of my loan. I was due for another emergency surgery in the week to follow. They adhered to my request and offered me an additional 2 months deferment due to the situation. Up until this point I had NEVER had a late payment on ANY account, I always paid extra & early. XX/XX/XXXX I receive an E-mail while still in the hospital that XXXX was taking over XXXX XXXX  XXXX & instructions to make future payments. I assumed all agreements wouldn't change because i hadn't gotten any correspondence stating it had changed. I got an alert stating that I had missed a payment. I called XXXX, told them the situation and was informed that they didn't have to honor the deferment & my car would be placed up for repossession if I didn't pay the 3 payments that were deferred ( 1 wasn't even due yet ). I was unable to do that at the time and i asked if there was anything else I Could do. I was told I could make 1 full payment to avoid repossession. I did that. And continued making payments on time. Paying more each payment. XX/XX/XXXX I attempted to buy a house and was informed that I had 5 late payments being reported and was denied for a mortgage. I immediately called XXXX to find out what was going on. Spoke with a supervisor multiple times from this point until XXXX of XXXX. I Went through back and forth with XXXX  being told different things each time I called. Finally XXXX of XXXX another supervisor was able to fix the situation. She stated she didn't understand why no other supervisor did that for me months prior. She assured me the late payments would be removed & no longer reported. She gave me a number to call in 30days to be sure the late payments were no longer reporting. I called in 30days & saw that they still were reporting. I've been battling this situation since XXXX. I have sustained much suffering due to the denial of multiple credit transactions that have significantly impacted mine & my childrens lives. If the original supervisor I spoke to in XXXX had done what the supervisor did in 22 these late payments would not have incurred. I've already provided All 3 CRAs & XXXX with the bank statements that showed payments were made ON TIME for the months they are reporting late except 1. I do not feel as though iI should have to continue to suffer from a mistake made from this company and their incompetent employees. I've disputed this multiple times. Ive asked for the reinvestigation facts and have been provided nothing. The CRAs claim the account has been updated but it is the same information without change. At this point they are violating my rights as a consumer to have an accurate credit report. I have suffered significantly due to these errors.
Product: Debt collection

Validation/Verification Identity Theft 15USC 1681c ( 2 ) 15USC 1681q ( 3 ) permissible purposes these are just a few of Fraudulent Claims. information and requests are attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing letters trying to remove the late history and my hard inquiry and as I was going over XXXX5 usc 1681 that it is illegal to report it
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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX, XXXX XX/XX/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 XXXXXX/XX/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 card or prepaid card

Im XXXX years old and my wife is XXXX. Weve had a Citibank MasterCard/XXXX XXXX card ending in XXXX since XXXX and have XXXX XXXX XXXX Frequent Flyer miles accumulated under this card. For 25 years Ive paid my bill in full every month. In XX/XX/XXXX I requested the card be replaced due to fraudulent charges. I have attached additional information regarding these charges. Im contacting the Consumer Financial Protection Bureau because of the total lack of responsible response from Citibank Corporation. 
Once I discovered the charges I went online, disputed the charges, and phoned the bank to have the card replaced. I was told Id receive a replacement card within a week. I did not receive a card, but a notice advising that my request for a new card was denied. I called a 2nd time and was again told the card would be replaced, then received the denied notice. I called a 3rd time and was told the reason why I have not received a card was because the bank had our wrong address. Interesting, Ive been receiving their bills for 25 years. I called a 4th time and after being told a card would be sent, I advised what occurred after my past 3 calls and asked what would be done different to assume the card would be approved and mailed. I was then told the card approval shows its pending. 
Going online I see after my initial call a card ending - XXXX was issued. After my 2nd call a card ending in - XXXX was issue. But neither card was mailed and both cards show the accounts are permanently closed. There is no pending account.
Product: Checking or savings account

Cash app closed my account in XXXX of 2023 for no reason at all an won't let me reopen my account
Product: Checking or savings account

I had a checking account with Chase bank and it had XXXX cash in it because my husband and I are both not working. I asked Chase to STOP sending payments through the account that I had but they kept doing it and then charged me overdraft fees. The total in these fees ending up being in the XXXX of dollars. Everytime I would turn around, there was a charge taken out of my account and then an OD fee! My other bank states insufficient funds and will not let me take anything or pay anything but Chase? No! They keep doing it and doing it all to get the OD fees! I finally asked them to close my account and they didn't do it but kept charging me OD fees. Finally on XX/XX/2023, the closed the account but then the deposited a check into that account. How can you deposit a check into an account that is closed? not only did they deposit the check, but they kept the entire amout which was {$540.00} refund on insurance that we received because of something Biden set up? Not really for sure on that one. At any rate, the check was made out to my ex husband and he did not have a signature on file and the account was closed, so how can they cash this and keep it? It wasn't mine and it wasn't thiers either. They are refusing to do anything and keep telling me that this issue is closed. It isn't closed! I want that money back that was a GOVERNMENT refund!
Product: Credit reporting, credit repair services, or other personal consumer reports

( DISPUTE CODE XXXX ) ( DISPUTE CODE XXXX ) My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Phoenix Financial Services sent me a letter to collect a debt I do not owe. I don't have any accounts that are due other than what's on my credit report. I tried to file a police report but the police department said they can not help me. I am a victim of identity theft so Phoenix Financial Services may have obtained my information that way. I filed a dispute with XXXX because Phoenix Financial Services reported me as delinquent on the debt I don't owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company who I have never did business with have its customer service representatives call my phone daily and be very rude. I just moved successfully out of an apartment that now has sent my information to national credit systems. This company has violated my consumer rights. I WANT NATIONAL CREDIT SYSTEM TO TAKE ALL OF MY INFORMATION OUT OF THERE SYSTEM. I HAVE PICTURES AND PROOF. I WAS THREATENED By A NATIONAL CREDIT SYSTEMS WORKER. SO I PAID XXXX dollars. This company For XXXX XXXX XXXX. I successfully completed my lease and have pictures to prove it. NATIONAL CREDIT SYSTEMS NEED TO GO OUT IF BUSINESS. I HAVE NEVER DID BUSINESS WITH NATIONAL CREDIT SYSTEMS AND WOULD LIKE MY INFORMATION OUT OF THERE SYSTEM. I DEMAND THEM REACH OUT TO ME FOR PICTURES AMD FOR THEM TO GIVE ME MY MONEY BACK. National credit system bought my account from XXXX I never willingly provided national credit system my information. A representative from their company called me and threatened me to pay XXXX dollars. This company is illegal and should be out of business. Give me my money back. I have sent several pictures to national credit systems and they will not respond. Why XXXX XXXXXXXX do National Credit Systems have my information I dont do business with them. This company is violating 15 USC 168 1B
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/1994 S.S.N XXXX I am contacting you about the compromising of my Social Security number. I am a victim of a data breach/identity theft. I contacted the federal trade commission And my FTC reference # XXXX Please block and remove all information from my credit report and send me an updated copy of the credit report. My situation has been heart breaking and a burden. And Im asking for your help if you could remove these from my account.

Under 15 USC 1681 c-2 c ( a ) The credit reporting agency must block and remove any allege pieces of information. The consumer considers identity theft within four business days of receiving the complaint.

1. Definition of character 2. Neglect enhancement of identity fraud 3. Violation under 15 U.S code 1681o 4. Violation under 15 U.S 1681n ( b ) 5. Violation of the federal credit reporting act 6. Failure to comply with 15 USC 1692 ( g ) 7. Violation under code 15 U.S Code 1681b permissible purpose of consumer reports.

8. Violation under 15 USC 1681 a ( 4 ) right to privacy 9. Violation under 15 U.S code 1681c requirements relating to consumer reports Unauthorized Accounts Account name : XXXX  XXXX Account # XXXX Account name : XXXX  XXXX Account # XXXX Account name : XXXX  XXXX Account # XXXX  Account name : XXXX  XXXX Account # XXXX Account name : XXXX  XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX 
Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXXXXXX Account # XXXX Unauthorized Inquiries Account name : XXXX XXXX Account name : XXXX XXXX Account name XXXX XXXX Account name : XXXX XXXX XXXX. 

These accounts have violated my right. 
Please remove all negative accounts in 4 business days. Thank you for your patience
Product: Credit reporting, credit repair services, or other personal consumer reports

why do they no report paid on time but if you mis s one they  report quickly?
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing t properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), as highlighted in the CFPB 's recent administration proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the disputed accounts ... XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Duty pursuant to the FCRA, it is EQUIFAX 's to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX, is reporting 1 inaccurate late payment for the XXXX XXXXXXXX XXXX  account ending in XXXX. This includes a XXXX late payment posted in XXXXXXXX XXXX XXXX  This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experience between the consumer and the person making the report. A late payment constitutes a " transaction ''. With that said, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : 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

XXXX XXXX XXXX XXXX XXXX XXXX. I've called and informed them that i did not applied for a car with them and that the inquiry most be remove.They check an said they have no record of me in their system. I've since contact transunion an let them know but the Inquiry is still on my credit report
Product: Credit reporting or other personal consumer reports

XXXX The payment history for XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> is inaccurate and reflects a charge-off payment history, which does not represent accurate or truthful information. I request that you update the payment history to reflect correct information or delete the account entirely from all consumer reporting agencies. In XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX, the court emphasized that repeated reporting of inaccurate charge-off information is misleading and distorts a consumers credit profile. Such practices harm consumers and undermine the integrity of credit reporting. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), you are required to ensure maximum accuracy of the information you report. I demand that this error be corrected immediately and that you provide a detailed explanation of how the information was verified. 

Failure to address this matter promptly will leave me no choice but to escalate the issue through all available legal and administrative channels, including filing complaints with the CFPB, FTC, and state attorney general 's office.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have the following Case numbers created by Experian based on my multiple phone calls with agents requesting a method of verification of the Bankruptcy shown inaccurately on my Credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have not received a sufficient substantive response to my request that the CRA has responded online simply stating that The dispute for the bankruptcy named US BKPT CT CA L A was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 

What company? What is the name of the company? 

From my multiple phone requests, one agent said it was XXXX XXXX. But when I contact XXXX XXXX they have no record or verification that bankruptcy exists on my credit report. I have attached a copy of the credit report from XXXX XXXX This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all the relevant information I provided by you to the creditor for their investigation of my dispute. 

i request and requirements under the law from Experian all the information used for the investigation, as required by FCRA 611 ( a ) ( 7 ). 

i request all erroneous incorrect bankruptcy be removed unless it can be Verified. 

it has now been 325 days of the request for the verifying information. every time i make a request they file a new dispute like its some sort of game. 

i have also documented through certified mail that they have received such requests all are ignored, representatives even say they have received my request but never replied a supervisor " XXXX on XXXX XX/XX/XXXX said, " We dont provide that information '' when asked will you provide me the information she said " we do not provide that information ''. Experian does not do an investigation. and refuses to do so
Product: Credit reporting or other personal consumer reports

I repeat I repeat I have contacted Experian about these fraudulent accounts and they need to be removed immediately this is probably the third time I am doing this report and I'm a victim of the XXXX data breach and these accounts are fraudulent and I never authorized them and never open them so immediately remove them all and these hardened inquiries and items off of all my credit reports Experian needs to remove these particular accounts I have told them numerous times Experian needs to remove the following address as they never belonged to me XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX Experian accounts below needs to be removed immediately XXXX XXXX XXXX {$170.00} XXXX Account info Account name XXXX XXXX XXXX Account number XXXX XXXX XXXX 1late payment Closed XXXX XXXX BANK {$480.00} Closed XXXX XXXX BANK Account number XXXX XXXX XXXX Account number XXXX XXXX  Unknown payment history {$6200.00} Closed XXXX Account name XXXX  BANK Account number XXXX XXXX XXXX XXXX 
2late payments {$0.00} Closed Account info Account name XXXX XXXX XXXX 
Account number XXXX XXXX BANK XXXX {$920.00} Closed XXXX XXXX  BANK {$480.00} Closed XXXX XXXX  BANK Account number XXXX XXXX BANK XXXX Account number XXXX XXXX  XXXX {$570.00} Closed XXXX  XXXX Account number XXXX XXXX CARDS XXXX Inquired on XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX inquiries need to be removed XXXX XXXX XXXX BANK XXXX XXXX on XX/XX/XXXX XXXX XXXX BANK XXXX XXXX on XX/XX/XXXX XXXX XXXX BANK XXXX XXXX on XX/XX/XXXX XXXX XXXX A Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX -- -- -- -- -- - XXXX needs to remove this inquiry XXXX  Inquired on XX/XX/XXXX 2024
Product: Credit reporting or other personal consumer reports

XXXX  XXXX I believe the information being reported to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNTS. 

XXXX BANK XXXX. XXXX Date Opened XX/XX/2016 Balance {$4500.00} and XXXX BANK XXXX. XXXX Date Opened XX/XX/2016 XXXX {$270000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through a company that asked to run a credit check for me. When I asked would this be a hard pull I opt out and didn't authorize them to run my credit. They not only ran my credit without my permission, but under other companies as well and it keeps happening month after month. And rndom inqiuries show up for accounts I never applied for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 2 complaints and made numerous calls now regarding my Experian credit profile. I just logged on and it shows zero open accounts. Your dispute results say my mortgage, auto loan, personal loan, and credit cards show. They show on the other 2 credit reporting agencies but it shows zero when I log into Experian. I have attached a screen shot. My mortgage with XXXX Bank and XXXX, my XXXX XXXX, XXXX XXXX, XXXX XXXX  Bank none of these show on Experian when I log on. I will just keep submitting weekly complaints until this issue is resolved. I have been calling you company for a year and a half to no avail.