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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX Unauthorized Inquiry XXXXXXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

I am filing this complaint because CB INDIGO does not meet any of the requested documentation required to satisfy validation of debt. How does this computer printout prove that this debt belongs to me? They still have not complied with the XXXX. They never responded with the documentation requested and required by the XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX having fair to good credit scores I went to purchase a vehicle to begin an extra income for my family only to be denied due to an incorrect credit report. On Account XXXX XXXX XXXX XXXX was closed in XXXX had reopened account and claimed that a payment was made XX/XX/XXXX and was not a payment made was the balance of XX/XX/XXXX that was added due to XXXX XXXX While reporting it a payment had restarted the the account by the false payment but made my report look like the XXXX happened less then XXXX months prior. Embarrassed I would have never applied for credit if I known my report showed a false claim. Now I have multiple hard inquiries on my report under false claims.
Product: Mortgage

In early 2013, I enrolled in and enlisted mortgage modification assistance from the XXXX Program in XXXX FL. Throughout the process I completed all steps and requirements ; In late 2013 I accepted the modification deal presented to me. At first glance, the offer represented my needs at the time and I was urged by the XXXX XXXX complete the application and accept the terms. However, upon a closer inspection of the documents presented by CitiMortgage they clearly scream 'predatory lending ' complete with ( 1 ) a first and second mortgage, ( 2 ) a final balloon payment and ( 3 ) loan maturity date extended out to year XXXX. I am horrified at the trap I 've fallen into at this stage of life and returning to the XXXX Agency has not provided any relief - just embarrassment and finger pointing t at me that I accepted the deal and that I have to seek relief and guidance elsewhere. 
I am in much dire straits and distress then ever before.
Product: Money transfer, virtual currency, or money service

after several calls, requesting XXXX  from the company way to go card/eppic card /child souport of XXXX XXXX XXXX .about missing found {$13000.00} they conclude that the case was denial because of time frame.
Product: Debt collection

I am writing to formally document the situation regarding my student loan debt with XXXX XXXX, which was sent to Heartland ECSI in XXXX. I spoke with a representative who negotiated a plan for me to begin payments starting on XX/XX/XXXX, and I was advised to call again in XXXX to confirm this arrangement. 

However, on Tuesday, XX/XX/XXXX, when I logged into my account to make a payment, I noticed that the system showed I had missed four months of payments. Additionally, I found out that my debt had been transferred to another collection agency, despite my prior arrangements and communication. 

I am requesting clarification on this matter, as it appears there has been a misunderstanding or error. I would appreciate your assistance in resolving this issue and ensuring my payment plan is correctly reflected.
Product: Credit reporting or other personal consumer reports

I have contacted LEXISNEXIS several times about sending my bankruptcy to credit reporting companies. LEXISNEXIS always states they cant verify my identity in writing through my CFPB complaints. This is a tactic to not remove my bankruptcy from their file. I have verified my identity in my last complaint. 

Although CFPB is short handed it will not deter my fight. There are other avenues to use.
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NATIONAL CREDIT SYSTEM XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Dear Sir/Madam, I am writing this letter to dispute the veracity of an alleged eviction record appearing on my credit report. Previously, I disputed this identical account with the credit bureaus. Their reply, however, was that the account had been " verified '' with NATIONAL CREDIT SYSTEM. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, your company has the obligation to ensure that any data reported on my credit profile is both accurate and complete. Furthermore, pursuant to the XXXX XXXX XXXX guidelines developed by the XXXX XXXX XXXX XXXX, data furnishers are mandated to report complete and accurate information about each account to the credit reporting agencies. 
In view of these legal requirements, I respectfully request that you furnish any documentary evidence that you have in your records, which you believe validates the derogatory information under dispute. 
I anticipate a response to this challenge within 30 days from the date of this letter, as mandated by the FCRA. If you are incapable of producing the requested documentation, I kindly insist on the prompt elimination of the eviction record from my credit report. 
Thank you for your prompt attention to this matter. I eagerly await a swift resolution. 
Yours Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items 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 items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX  Balance : {$670.00} XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$1500.00} XXXX  XXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX XXXX XXXX : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The company is XXXX XXXX. I am under a payment plan with them. The money comes out of my bank account on a monthly basis. They are harassing me to make more payments. They have went from calling my cellular phone XXXX to calling my mother 's home number XXXX. When I told them them that the debt is under a payment plan they stated that they do not care that I need to pay more money towards the debt. This is pure harassment. I am tired of it. 
XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX I am very sure that they are going to call again. They do this every month once my payment is made. They are calling also on my mothers number which I do not know how they got her number. I never gave that number to them and I do not have it memorized. This has to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block the accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

MY CREDIT REPORT IS REPORTIG ERROS IN SOME ACCOUNTS WHICH IS A VIOLATION OF THE FCRA. THE ACCOUNTS HAVE DIFFERENT DATES OF LAST ACTIVITY/STATUS DATE AND INACCURACIES IN THE PAYMENT HISTORY BETWEEN XXXX, EQUIFAX, AND XXXX FOR EACH ACCOUNT LISTED. UNDER THE FCRA, THESE ACCOUNTS MUST BE DELETED ( 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 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -I HAVE 3 ACCOUNTS THAT ARE REPORTING INACCURACIES IN THE PAYMENT HISTORY, THE DATE OF LAST ACTIVITY/STATUS DATE BETWEEN EQUIFAX, XXXX. AND XXXX. THIS IS A VIOLATION OF THE FCRA. PLEASE UPDATE EACH ACCOUNT TO PAID AS AGREED, PAID ON TIME, NEVER LATE IN THE ENTIRE PAYMENT HISTORY ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX ACCOUNTS )
Product: Mortgage

I'm trying to speak to someone at Flagstar Bank in order to address my inability to pay my line of credit. I am able to make my mortgage payment but the interest rate on the line of credit is so high the payment on the loan is more then the payment on my house. I can't continue to pay both. Either need to combine or re structure. I have recently seperated and now make large payments to my ex wife. The funds that go to her replace the funds used to pay the line of credit
Product: Mortgage

U.S. Bank changed the terms of my FHA loan to an Adjustable Rate Mortgage ( ARM ) loan in an effort to force me into foreclosure ( XXXX ). Therefore, in order for them to carry out their plot of forcing me into foreclosure, U.S. Bank fraudulently increased my mortgage payments " on paper, '' via the mortgage statements I receive from them, by more than $ 200/mnth dating back as far as XX/XX/XXXX. When I inquired about an urgent letter that I received from them in XX/XX/XXXX of an escrow shortage I was informed by U.S. Bank that the drastic increase in my monthly payment was a direct result of my property taxes going up ; by default created the escrow shortage instead of the fact that U.S. Bank had changed the terms of my loan to an ARM loan! When I was unable to pay the increase monthly payment amount, as refinancing and loan modification applications were being denied, U.S. Bank informed me in late XX/XX/XXXX/XX/XX/XXXX, the XXXX of XXXX occasions, that my home was sold at auction due to failure to pay property taxes ; by which they had law enforcement to serve me with a fraudulent eviction notice in XX/XX/XXXX that stated I had 45 days to vacate the premises. Nevertheless, prior to missing any mortgage payments, U.S. Bank representative XXXX informed me that U.S. Bank would no longer accept my payment ( s ) unless my mortgage payment was for the full " adjusted '' amount being called due as a result in an increase in property taxes. And if I wanted to be eligible for a loan modification, after refinancing was denied, along with other previous modification applications for not meeting deadlines, current application info was " stale dated '', etc., that I must stop making payments in order for the hardship application to be approved. 

As a result, I, XXXX XXXX XXXX, request for U.S. Bank to provide all denial letters that were previously mailed out to me prior to me missing my XXXX mortgage payment that took place approximately in XX/XX/XXXX once I was informed by U.S. Bank representative XXXX that my payments would no longer be accepted due to the " acceleration clause '' that requires the full outstanding balance to be cured after an extended period of time has elapsed and their still remains an outstanding balance that is in arrears ; thus, gave U.S. Bank the legal right to not accept any payments that was not for the full outstanding amount, as such payments would be deemed a " partial '' payment that the acceleration clause gave U.S. Bank the right to refuse!
Product: Credit card or prepaid card

On  XXXX   XXXX  I applied via phone for the Merrill Lynch Visa signature Card from Bank of America. I was told that I would receive a decision wi thin 7-10 days  by the phone representative and that I could check the status online.     Withi n two da ys the status online changed from pending to the following : " Congratulations, your credit card application has been approved! You will receive your credit card  within 7-10 days and the Welcome Package within 10 to 14  days at the address you provided. '' I also received a later within 5 days stating the same thing including a comment about having a {$5000.00} credit limit.     On  XXXX   XXXX  I received a letter stating the following : " We initially communicated to you that we approved your application ... After further review ... we 've determined that we 're unable to approve your request because you have a sufficient number of accounts with us '' I checked the website - which still indicates that I 've been approved. I called in to review the situation. I voiced my displeasure of being misled by Bank of America. I have had a checking account with the bank for over a year used appropriately. I have  XXXX  credit card accounts open with a total credit limit of {$13000.00}. I offered to move credit limit from my existing accounts or close an account period. The bank seems unwilling to do anything even though my resolution would address the specific denial reason/risk they identified.
Product: Checking or savings account

On XX/XX/year> at the XXXX branch at XXXX XXXX XXXX XXXX XXXX, XXXX  I tried depositing {$2000.00} cash all in hundreds at the atm right outside the branch, while it was reading the money the screen blacked out, reset, seemed like it restarted and didnt reflect in my account, no receipt was given either I am urgently requesting a provisional credit while they investigate
Product: Credit reporting, credit repair services, or other personal consumer reports

I just spoke with my realtor and was advised that this item from XXXX XXXX XXXX is still being reported to my credit, even though its been proven that this item isnt mine. Ive provided information over to them several of times, just recently the collection agency that they sold this debt to removed the collection item from my credit because it was proven that this debt isnt mine. The same information I reported to both companies and this item is still being reported. I can not move forward in my home buying process with this item still lingering. I need this company to remove this item otherwise I will be forced to provide this information over to my attorney and I will proceed with filing a lawsuit against them
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS 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 items. 

XXXXXX/XX/XXXX
Product: Vehicle loan or lease

Santander consumer usa violated my rights After reviewing the truth in lending they provided me the calculations was all wrong. Not only that they have been furnishing my information to XXXX party with out my consent or notice. My car was recently stolen from my possession with XXXX party affiliated which i have never consent for them to continue giving out my personal information I recently sent them a notice to stop and deceits they continue to violated me with no regards to my notice. i have suffered tremendously from this whole ordeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account called XXXX XXXX on my equifax credit report. I do n't believe this account belongs to me. I have been provided with no proof that I have contracted with them. No documents showing that I agreed to owe them money. Equifax also removed this account then added it back the next day which dramatically affected my report negatively and they did not notify me of this activity which they are required to do. I have notified equifax of this error and they still refuse to abide by the FCRA.
Product: Money transfer, virtual currency, or money service

Last XX/XX/2022 PayPal company banned my account and i can not use it anymore without telling me what's the problem with my account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information contained in my Experian credit file. According to my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting the deletion of all unverifiable, inaccurate, or incomplete accounts listed on my credit report due to identity theft. Experian committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( XXXX ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability ; EXPERIAN HAS REFUSED TO SHOW ME METHOD OF VERIFICATION THESE ACCOUNTS ARE COMING BACK VERIFIED AND ARE NOT MINE. I am requesting the deletion of all unverifiable, inaccurate, or incomplete accounts listed on my credit report due to identity theft.
Product: Checking or savings account

I opened XXXX Deposit checking and XXXX Deposit savings accounts with Citizens Bank on XX/XX/year>, using promo code XXXX, which I received through a targeted mailer mailed directly to me. Citizens formally let me know that the accounts had been opened on XX/XX/year> ( see attached email ). The bonus advertised is up to {$700.00}, with {$350.00} for completing the requirements for the checking account and {$350.00} for completing the requirements for the savings account. I successfully completed both of the sets of requirements, but I only received the bonus for the checking account. Based on the schedule provided, the {$350.00} bonus for the savings account should have posted by XX/XX/year>. However, when I called them to ask why the savings account bonus had not posted, they claimed that I did not sign up for the savings account on the same day as the checking account and therefore am not eligible. However, I signed up for both accounts at the same time on the same day using their online system.
Product: Credit reporting, credit repair services, or other personal consumer reports

lexisnexis wants new information I gave it to them I have never lived at XXXX XXXX XXXX XXXX the home during my investigation revealed that address belong to a XXXX an XXXX XXXX. This is the new information I have have them investigate ASAP
Product: Debt collection

Another week goes by and this atrocious company National Credit Adjusters has not removed this erroneous collection on my credit profile. They have yet to provide any real verification. I've sent numerous letters to this company with no replies.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act.The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. The account in the name of credit acceptance corporation I would like to be removed from my credit reporting. I have the right to privacy under 15 u.s.c 1681 section 602A. 15 u.s.c 1681 section 604 A. Section 2. If also states a consumer reporting agency can not furnish an account without my written instructions.