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

I am writing to file a formal complaint against XXXX, citing violations of consumer protection laws and specific provisions of the United States Code, in relation to multiple unauthorized hard inquiries appearing on my credit report. Despite my diligent efforts to address this matter directly with XXXX, the company has failed to conduct a thorough investigation and has neglected its obligations under the relevant laws. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this issue and ensure compliance. XXXX 's handling of this situation has been deeply unsatisfactory. Despite my repeated attempts to rectify this issue, XXXX has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ), as well as other pertinent consumer protection laws, including but not limited to : Section 1681i ( a ) of the FCRA, states that credit reporting agencies must conduct a reasonable investigation of disputed information and correct or remove inaccurate or incomplete items within 30 days of receiving a dispute notification. 

Section 1681e ( b ) of the FCRA, requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of consumer information and to investigate consumer disputes promptly.

Section 1681e ( a ) of the FCRA mandates that credit reporting agencies have a duty to provide accurate information in consumer reports. 

XXXX 's disregard for these provisions not only violates my rights as a consumer but also undermines the integrity of the credit reporting system as a whole. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 been disputing a XXXX XXXX account on my credit report with all three Credit Bureaus. The disputes led to XXXX XXXX taking me to court over a credit debt of {$2100.00} on XX/XX/2016. I filed an Answer with the court denying the debt was mine. After meeting with the attorney who showed me copies of statements which I denied any knowledge of, we were unable to come to any mutual agreement. We had to continue with court which the Judge ruled in my favor the defendant. The attorney was unable to prove the debt belong to me. I was given a copy of the Judgement which i sent a copy to all three Credit Bureaus, XXXX, XXXX and Equifax. They still continue to report this debt as does XXXX XXXX who also has a copy that was given to there Attorney.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXXXXXX XXXX XXXXXXXX I paid off my personal loan with 1st Franklin Financial via their XXXX, TN office.. This has been verified by the XXXX, TN XXXX XXXX- twice over the phone with me. XXXX submitted a report to her corporate IT department in XXXXXXXX XXXX XXXXXXXX after my first phone conversation with her, to notify the credit bureaus that this loan was paid in full in XXXXXXXX XXXX  XXXX. They did not submit this report. 

I spoke with XXXX again today ( XX/XX/XXXX ) and she apologized and stated their IT department was having problems with their new botched computer systems. She also reiterated that this loan was paid off in XXXXXXXX XXXX XXXXXXXX, that she had in fact submitted a report requesting that this load payoff be reported to the credit bureaus in XXXX. She stated she would again submit this request once again today. 

XXXX also stated that moral at this company was exceedingly low. Perhaps this company needs some official oversight as they have not reported a consumer payoff within 30 days, as is required by law. 

Here is the branch info : XXXX XXXX XXXX, XXXX, TN ( XXXX ) XXXX This company has hurt my credit, and my ability to secure credit. Please fine them or even better, take away their banking charter as they are not a reputable firm for consumers to do business with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XXXX XXXX XXXX  to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Debt collection

Sunrise credit group services placed and invalid collection on my report on XXXX for XXXX XXXX, which is fraudulent. I requested proof of validation ( ( and not a BILL ) this information has effected my credit score negatively
Product: Credit reporting, credit repair services, or other personal consumer reports

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act IXXXX XXXX XXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I figured out in my credit report inquiries that I have never authorized. I do not recognize any of them. This is illegal and highly detrimental to my credit rating. I know that sometimes companies without any authorization and permission pulling credit profile. Well, by this message I would like to let you know that I do not recognize these inquiries and I have never gave any permission to any company to do something like this. So please remove all of them as I can not move on in my life when I have unknown information in my credit report.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  XXXX XXXX {$720.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$250.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX {$6700.00} Open Date XX/XX/XXXX XXXX XXXX XXXX {$920.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$520.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX {$46.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX Date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy reporting on my credit report from the state court of Tennessee. This account does not belong to me. I have sent several letters to the credit bureaus to fix this error. On my first attempt I received a letter stating that error was verified. I ask the bureaus to send me how they verified the bankruptcy and they did not send me a proper response. I sent a letter to the courthouse regarding the bankruptcy to explain how they are actually verifying a bankruptcy that does not belong to me. They sent me a letter stating that they do not verify bankruptcies nor have then been in contact with the credit bureaus. I then sent the correspondence I received to the credit bureaus 3 separate times and have not received a response. I am writing your office today in hopes that you can help me to correct this error.
Product: Debt collection

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Product: Credit card or prepaid card

I have been trying to fix this issue since XX/XX/2019. Bank of America has now screwed up two of my accounts trying to fix it. I wrote my last letter on XX/XX/2019, and have not heard from them since. I am so frustrated I am at my wit 's end. 

On XX/XX/2019, I made a payment from my bill pay account to the wrong account. The account ending in XXXX was no longer an active account. I did not realize this until my credit card showed I had not made my payment. In investigating this, I realized what I had done. I then called Bank of America 's toll-free number and spoke with an agent and she said she would send my information to another department for investigation and they would get back to me. When I did not hear from anyone, I called back and got the same song and dance. After another interval without hearing from anyone, I decided I would message my concerns from the internal messaging system in my account. I sent no less than 8 messages, with only " canned '' or no responses. 

It was then I started my letter-writing campaign. My first letter was dated XX/XX/2019, and Bank of America sent me a letter back, dated XX/XX/2019, stating they could not find the payment I was talking about. This, even though, I had sent a detailed letter explaining everything and copies of all the documentation ( even a screen print of the account the {$57.00} payment was made to ). 

I wrote them back on XX/XX/2019, and sent all the attachments again and explained the situation again. On XX/XX/2019, I received a letter stating they had found the {$57.00} and credited it to my account. What they actually did was take a payment made to my husband 's credit card and put that money toward 's my account. 

My last letter was dated XX/XX/2019, and was directed to a Manager and told them what they did was totally wrong. I, once again, included all the documentation and told them EXACTLY what had happened. 

Since this last letter, I have heard nothing from them. It has now been over a month. This shouldn't be that hard. I told them exactly where the money went and gave them proof of that multiple times. I just want my accounts fixed.
Product: Money transfer, virtual currency, or money service

JP Morgan Chase has begun a new fraud protection program which is preventing me from ach'ing monies due to clients. On every ACH I make, I receive a call from the Fraud department asking me questions about the recipient. These are personal questions that I feel should not be asked- how long have I known the recipient? how long have they been in business? What is their business? Did they ask you to transfer monies, etc. In XXXX ACH, after the monday evening call from with the Fraud Unit approving the transaction, I received a call 3 full days later asking me the same questions and saying the ACH had not been sent. Chase held my clients monies for a week. WHY isnt the question DO I APPROVE THE TRANSACTION???!!! I have spoken with the branch - who can't help. I have spoken to the online and fraud people, and the account execs. Now, they are rejecting my ach 's out of hand with no reason. I have quite a large sum in my accounts- personal, business, mortages all with Chase. I am at my wits end. I was on hold for XXXX minutes with the first rep. She transferred to me to a second rep, who now has transferred me to a third rep. I have been instructed that they are protecting me. The second agent just transferred me to another rep who is asking me the same questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identiury fraud and attempted to make several attempts to get this resolved with the credit bureaus. To date, I have not been successful. I have inquires on my report that are not mine, account and addresses. I have sent this form 3 times via mail and still nothing. I need help as this is damaging my report, BADLY
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. 

Account Name : XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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: Checking or savings account

Citibank closed my dad 's bank account on XX/XX/22 for a reason only they know. I am a POA on the account and have been assisting him with managing his finances. The bank account was used regularly to pay for his assisted living, medication, and received regular direct deposits from SS, his retirement account, his long term care insurance reimbursements, and had a balance in excess of $ XXXX for years, as far as I know. On XX/XX/22 I learned it had closed when the check for his assisted living facility bounced. Citibank informed me the bank account had been closed by them, but would not reveal why. I was able to get them to reopen the account, but they refused to refund the account. To date, despite reopening the account nearly 2 weeks ago, it continues to have a balance of {$0.00}. Citi claimed to have overnighted a check via fedex on XXXX for the full balance to my address, so I could deposit it back into the account, but the check never came. Citi encouraged me to contact the branch where my dad opened this account in the XXXX, but the branch has not picked up a single time in approximately 30 call attempts. I went to my local branch today to see if they can refund the account, but they refuse to do so until this XXXX  check shows up. From my perspective, Citibank is holding my dad 's money hostage and has stolen ~ {$42000.00} of his money from his checking account ( and another ~ {$27000.00} from his savings account ). Since XXXX XXXX, I have probably spent 24 hours in my local Citi branch, waiting on hold, and being transferred around various Citi numbers. Citi claims there is nothing they can do, and requires 10-15 days to investigate.
Product: Debt collection

Contacted store XXXX was referred to XXXX XXXX. Contacted California Check Cashing and paid {$300.00} pay day loan XXXX years ago. 

Received XXXX calls this week for " XXXX XXXX XXXX '' XXXX referring to case # XXXX. First call send my former XXXX had retained XXXX to sue me for a loan received. Checked with former XXXX and XXXX denied. 

Second call said check cashing service was suing me for a loan from $ XXXX {$700.00}. 
The amount they were requesting was {$1300.00}. Said they had tried to contact me at a former address and email address. Neither was the legal address given when the loan was obtained. They did not have my legal address on my XXXX  XXXX which was used to obtain the loan. They said they weren't collecting but it was there job to " notify '' me of pending court action. I told them it had been paid and they continued to call. They are argumentative and only want to talk and shout and state untruths and won't listen to What you have to say. I am retired and paid off my bills acquired due to injury before I retired. They would not give me the contact info of the company that supposedly retained them to collect a paid debt.
Product: Credit reporting or other personal consumer reports

It has come to my attention that XXXX XXXX is reporting a credit card account titled XXXX  XXXX  XXXX to my individual consumer credit reports with EXPERIAN, XXXX, and XXXX XXXX Per 15 USC 1681a ( c ) consumer means an individual. I demanded XXXX XXXX remove this reporting from my consumer credit file on XXXX XX/XX/2024 and report immediately, as the purpose of this business credit card is for uses that are relating to business purposes ONLY, and not for individual or consumer uses. Furthermore, the entity under which this business card was issued was a Limited Liability Company named XXXX, XXXX with an IRS issued EIN. 

I called XXXX XXXX 's offices and was denied removal of this reporting to my individual consumer reports. I was told It is XXXX XXXX policy to report a business credit card to both an account holders consumer credit report AND business credit report. I care not for the policies of XXXX XXXX as no persons policy overrides federal law. 

If XXXX  XXXX continues to violate my privacy or my individual consumer rights, it will be construed as identity theft, as I did not contract or authorize them to disclose any of my nonpublic personal information per 15 USC 6802, nor did i receive any consideration ( goods, services, or money ) from the transaction of them furnishing any of my informational data to any nonaffiliated third party, whether it be a consumer reporting agency or otherwise.
Product: Credit card or prepaid card

In XXXX, a payment of XXXX was returned. Since then, every single payment has been on hold for over 7 days. I called to speak with the company about it today, and they said there is nothing they can do. How is it possible there is nothing they can do? I've made over 5 payments since the returned payment and the " system '' still places a hold on my payment being posted ... .if it isn't something, it is something with this company.
Product: Checking or savings account

I recall there being an account opening bonus of {$200.00} for the money market & an account opening bonus of {$150.00} for the checking, please advise why this has not posted yet.
Product: Debt collection

I originally borrowed {$800.00} from this website, and I paid back half of the Loan when I fell into a financial hardship. That is the main debt on my credit report currently, and it shows up as Plaza Services with a balance of {$1100.00}, I set up a payment plan with the guy that contacted me who happened to be an attorney, and agreed to pay {$75.00} every pay check. I had to switch cards because the one I had on file had been lost. I completely forgot about the arrangement but the voicemails Ive received from the same person keeps threatening legal action & whatnot. I can agree to pay the balance off when I get my income tax refund, but I dont appreciate the threats on my voicemail and repeated calls. I work full time from XXXX and have to be on the phone all day myself and cant answer calls during business hours,
Product: Debt collection

I had an account transferred to Midland Funding which is a collection agency. I called and Midland agreed to settle for a percentage. I paid the percentage agreed and have received XXXX letters from Midland advising that my account was settled for less than the amount owed and the account is closed. Midland is however reporting that my account is still open with a balance due. I have called numerous times and Midland has verified that my account is closed. I am trying to obtain a mortgage and this account is preventing it. My mortgage broker attempted to have my credit rescored using the letter from Midland and their legal department which advised that nothing is due. When rescoring Midland advised XXXX that the account is still open with a balance due and has now updated my credit report to say the same as of XXXX XXXX which is after the date of the initial letter. I called Midland again on XXXX XXXX and they advised that they would send a letter saying closed but have failed to do so.
Product: Credit reporting or other personal consumer reports

I HAVE CONTACTED THE XXXX GEORGIA BANKRUPTCY COURT AND THEY HAVE INFORMED ME THAT THEY DO NOT REPORT TO ANY CREDIT BUREAUS OR XXXX. XXXX OR ANY OTHER DATA BASE COMPANY DOES NOT HAVE MY PERMISSION TO REPORT ANY INFORMATION ON MY BEHALF. PLEASE REMOVE THE FRAUDULENT ACCOUNTS THATS LISTED IN THIS REPORT
Product: Credit reporting or other personal consumer reports

See attached theft report as well as mailed police report & ID verification forms ( mail, ssn card, license, lease ).
Product: Credit reporting or other personal consumer reports

I have already submitted my complaint to the Federal Trade Commission ( FTC ) as required and have contacted the bank associated with the account in question.I have spoken to the bank on the phone, and they have confirmed that the account should be removed from my credit file. Furthermore, I would like to bring to your attention that the other credit bureaus have already deleted this account from their records. I am the one initiating these disputes, and I request that you investigate this matter promptly. I also request that you remove this account from my credit report as soon as possible. 

XXXX  XXXX XXXX XXXX