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

Per the Fair Credit Reporting Act ( 15 USC 1681 section 602a ) that the consumer reporting agencies make sure they provide fairness, impartiality, and respect for me the consumer right and my privacy. However, XXXX, XXXX, and Transunion are the credit reporting agencies and I am the Consumer. So, since I am the consumer I have the given right to make sure my private information isn't shared per 15 USC 6801 and just to give a brief summary it states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' The credit reporting has inquiries that I do not have accounts for, I've reached to them numerous of times to have them removed and nothing has been done ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all need to be removed or proof needs to be provided. Those inquiries needs to be removed from all credit reporting agencies per 15 USC 6801 and since you violated me and failed to follow the law ; I'm entitled to {$1000.00} per violation plus the stress and inconvenience it has caused. Also I have a Charge off from XXXX XXXX that's reporting different amounts which is not accurate, Another Charge off is XXXX XXXX XXXX  And per CFPB complaint a XXXX XXXX is considered a certificate of indebtness which means it is income and must be removed. The Family Educational Act of 1974 the promised not give my information to anyone and my student loans are reporting ( XXXX ) with different information with the credit reporting agencies ; I want to opt out from all credit reporting agencies. And then it's illegal to to report transaction history per 15 USC 6805, so this needs to be updated immediately. For any question or concerns please feel free to reach out. Best regards.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I paid the remaining balance of my XXXX XXXX XXXX credit ending in ... XXXX. Balance showed {$0.00} so I called XXXX XXXX XXXX and closed my credit card. They have confirmed it closed on XX/XX/2019. I had since cut the cards as the account was closed. 

Today I checked my credit score and saw there have been lates of 30, 60, 90, 120 days  from this credit card. It shows a balance of {$37.00}. XXXX XXXX XXXX  charged me without my knowledge interest on the credit card on XX/XX/2019 after the credit card was closed and did not notify me. 

I spoke to a XXXX XXXX XXXX representative at my local branch and he said XXXX XXXX XXXX should not have charged the interest after a credit card has been closed. I also called their credit card department and they verified the interest was charged after closing and no such contact was attempted to notify me. 

Thank you. Please let me know.
Product: Credit reporting or other personal consumer reports

I CHECKED MY CREDIT REPORT THIS MORNING AND I AM STILL DISAPPOINTED WITH IT. THERE ARE STILL INACCURATE ACCOUNTS REPORTING SO PLEASE DO CHECK THE DOCUMENTS I'VE SENT REGARDING THIS IMPORTANT MATTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous requests about deleting incorrect information on my credit file yet this company HAS NOT DELETED IT .... i wrote the courts in which they say THEY DO NOT SPEAK WITH CREDIT BUREAUS ... XXXX  says they verified this as mine thru the courts .. now today i receive a report saying they verified thru third party XXXX XXXX .... yet XXXX XXXX has been suppressed for over a year so how could this be an accurate..
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a fraud dispute to TransUnion requesting the removal of fraudulent accounts under the Fair Credit Reporting Act ( FCRA ) Section 605B. I included all required documentation, including my FTC Identity Theft Affidavit and proof of identity.

Instead of properly investigating my dispute, TransUnion falsely claimed the accounts could not be blocked due to prior payments or previous disputes. This is a direct violation of FCRA 605B, which clearly states that fraudulent accounts must be BLOCKED upon request, regardless of past activity. 

Additionally, TransUnion sent me an email stating that my investigation would take up to 30 days. However, within the same email thread, I received another response stating that the investigation was 'complete ' within minutes. This proves that TransUnion did NOT actually conduct a real investigation and instead auto-denied my dispute. 

I am requesting immediate CFPB intervention to force TransUnion to comply with the law and remove all fraudulent accounts from my credit report immediately.
Product: Checking or savings account

3 disputes that the bank ruled in favor of the merchant were not properly investigated and the merchant did not provide documentation to verify the transactions or to verify we received services therefor under FCRA regulations Im requesting the following : 1. ) Individual Receipts from the hotel that verify the charges that occurred on XX/XX/XXXX from XXXX XXXX XXXX - all 3 transactions occurred separately and were charge to my account individually. 
2. ) Copy of Hotel Reservation indicating we received services ( check in ) XX/XX/XXXX - ( check out ) XX/XX/XXXX. 
3. ) My Bank Statement for XXXX XXXX XX/XX/XXXX showing and confirming a balanced owed for - {$440.00}. My account was closed XX/XX/XXXX. So my bank statement for XX/XX/XXXX - XX/XX/XXXX would be my final bank statement which would show a negative balance if I owed. This bank statement would be legally binding and would be an official document that I had a negative balance that I owed seeing that the negative balance reported to check systems occurred 2 days prior to this bank statement for XX/XX/XXXX to XX/XX/XXXX which indicates that their claim of a negative balance existed prior to last bank statement do my last bank statement would reflect this negative balance. 
4. ) documentation from the bank indicating why they reported it to XXXX as Account Abuse. 

This was never presented to me by the XXXX XXXX XXXX or by the Bank. 

I demand under FCRA regulations that if this requested documentation is not received to verify these 3 unauthorized transaction for {$440.00} as requested then I demand under FCRA regulations that they are immediately removed from any and all credit reporting agencies including XXXX. 
I also demand that the CFPD verify this documentation by the bank to verify that FCRA regulation that proper verification exists for the amount of - {$440.00} that has been reported by the bank and that CFPB verify my last bank statement dated XX/XX/XXXX - XX/XX/XXXX to show a balance owed for - {$440.00}. If not and you confirm that my bank statement from XX/XX/XXXX - XX/XX/XXXX shows a {$0.00} balance then under FCRA regulations you must enforce the removal of this unverified negative amount from all credit reporting agencies including XXXX against me.
Product: Credit card

I applied for CITI XXXX XXXXXXXX XXXX  in XXXX XXXXXXXX, in the webpage, it claim there is XXXX bonus points after spending {$4000.00} in the first 3 months. I spend around {$10000.00} in XXXX XXXXXXXX, however CITI refused to give me any bonus points. 

CITI claimed that I've got bonus points for another credit card years ago, maybe a CITI double credit card, so they won't give me any bonus points this time. 

I believe it's a fraud : ( XXXX ) CITI doesn't highlight the restriction on the webpage, they only mention it with small font ( XXXX ) I signed in CITI website, then completed my application, CITI definitely knew that I can't get bonus points, however they didn't give me any notice
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent : Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX has vio

lated 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

On XX/XX/2022 I sent a certified letter to the XXXX credit agencies requesting that they verify a bankruptcy claim that is listed on my credit report with them. I also contacted a United States Bankruptcy court in my state to find out if they were reporting this said Bankruptcy. I received a letter from the local United States Bankruptcy Court that they do NOT report any items to any credit agency and that Credit Agencies use 3rd party vendors to obtain public information. I then received a response from all XXXX credit agencies in XXXX " validating '' the bankruptcy information but did not state how it was verified. I then sent another letter requesting a reinvestigation and the steps and companies they used to validate such information. All 3 responded that they verified the information via XXXX. I contacted XXXX directly and asked for a complete report of all the information they retain under my name, date of birth, social security number and address. On XX/XX/2022 I received the XXXX report and they do not list ANY bankruptcy, which is contrary to all 3 credit bureaus claims and re-investigation into this matter. I have attached the proof of my XXXX report, specifically page 27, where liens, judgements and civil filing records are reported.
Product: Credit card or prepaid card

Hello. I've recently reviewed my credit report as I'm trying to reposition myself to purchase a XXXX property. While reviewing my report, I noticed that there a several hard inquiries that I didn't make. I'd like for these to be removed from my credit report please. 

Under XXXX, listed as .... 
CAPITAL ONE BANK USA XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CAPITAL ONE ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted United Consumer Finance Service when I noticed that they were reporting that we owed a balance of XXXX on an account that was never late and paid off in 2017. I was able to speak with a representative ( XXXX ext XXXX ) and she stated that they never ran the final payment, however no one notified us. I paid the XXXX and was advised that they would submit the documentation to remove from the credit report. That was over a month ago and every time I call to follow-up she is either not at work or not available. I spoke with a yound man 2 weeks ago that advised me that XXXX did submit to the credit bureaus to have the account removed but it is still reflecting on my credit report as a delinquient account. 

I even opened a dispute with the credit bureaus and the account is still there.
Product: Checking or savings account

BOA internal employee assisted fraud has affected my account since XXXX, the latter closed in XXXX due to it being used as a laundering through other non clients. Ive since contacted the FDIC and OCC that regulates banking institutions. Which introduced me to FDIC related fraud accounts with my social security number and or checks in them that have used fdic insurance in the past but never applied to the correct account. Furthermore, pos and in branch services occurring while Im on the phone with the banking institution in what is described as card less entries and deposits denial or being held/ turned back to sender. A host of large checks in my name sent through their verification phone process without being applied to correct account. Ive marked myself a vulnerable person since the beginning of these investigations due to excessive force by the police on FOIA who also use my accounts and have a saved money account with 365 days of XXXX as the file name, the department of justice kept monetary payment as well as the XXXX cant even get the AG to assist either employe life insurance theft from paid for benefits without a counter XXXX is only one example. My credit is affected as well as the IRS file that has been used to fund money to politicians. I pray this never happens to anyone else, Im former military personnel.
Product: Credit reporting, credit repair services, or other personal consumer reports

F

CRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The Clerk 's office for the U.S. Bankruptcy Court, Northern District of Alabama stated in the letter provided that they do no report or verify to the credit bureau.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on XXXX & XXXX of 2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy. 

XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 
Please see below the summary of the accounts that are needs to be correct or update immediately. 
DPT EDXXXX XXXX XXXX {$11000.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$3100.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$18000.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$2100.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$10000.00} XX/XX/XXXX DPT ED/XXXX XXXX Balance {$5600.00} XX/XX/XXXX DPT EDXXXX XXXX XXXX {$8000.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$4200.00} XX/XX/XXXX DPT ED/XXXX XXXX Balance {$940.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$6900.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$10000.00} XXXX XXXX, XXXX DPT EDXXXX XXXX Balance {$6200.00} XX/XX/XXXX DPT EDXXXX XXXX XXXX {$16000.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$14000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$6200.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$4100.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$3400.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$11000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$25000.00} XX/XX/XXXX 2007
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX I am in receipt of a letter dated XX/XX/2023 from XXXX in response to my demand requesting removal of accounting details, transactions and experiences be removed from my consumer reports as well as remarks and comments that are injuring me as a consumer. Pursuant to Federal Law, ( 15 USC 1681 ( a ) ) and experiences are to be excluded from consumer reports and more importantly, proper disclosures are to be provided in a clear and conspicuous manner affording the Consumer opportunity to opt out of said consumer reporting all together. XXXX has not provided me any annual disclosures or opportunities to opt out of reporting or furnishing this information to any of the consumer reporting agencies. I am demanding XXXX provide me with proof they have provided me with any disclosures regarding my consumer right to opt out of their Customer Agreement. I was never given any clear and conspicuous instruction as to how I could exercise that non disclosure option in the first place. XXXX has assumed they have my expressed or implied permission to do so. That is not the case. Corporate policy does not supersede law. Failure to provide me with the proper disclosures is a violation of law and Consent is what makes the law. XXXX does not have my consent to report this information, nor have they provided any proof of authority to do so. A contract founded on a base and unlawful consideration is null. Every consent involves a submission, but a mere submission does not necessarily involve consent. I am in receipt of copies of the loan modification documents containing account information, however, it does not even contain the original source of funds being loaned out. It also does not provide any disclosure or reflect accurate information you are currently reporting to the credit agencies : XXXX, Transunion and XXXX. If XXXX can not provide this, then the debt can not be validated and you are legally and lawfully required to delete the account from my consumer report. Also, provide the contract and signed disclosure where I agreed for my nonpublic, personal information and/or transactions to be furnished on my consumer report. I am again asking for documentation where you provided me the option to Opt-out from such reporting. I have already asked for this information to be removed from my consumer reports ; as it is false and being reported without my consent. XXXX states : " they are reporting the loan correctly '' as evidenced on the first page of your response dated XXXX, XXXX, XXXX. Assumptions are not facts. Pursuant to : 15 USC 6801 ( B ) 3, 15 USC 6802, 15 USC 6803, 17 CFR 248.124, 17 CFR248.6 ( a ) 6, 17 CFR subsection 248.7 you are violating my consumer rights and breaking federal law.
Product: Debt collection

I filed Chaper XXXX bankruptcy in XXXX in XXXX, Texas. On XX/XX/XXXX I was granted a discharge having paid all my creditors. Bank of America, however, refuses to correct their reporting to the credit agencies and, in fact, sold the debt over to XXXX XXXX, a collection agency, on XX/XX/XXXX!! 
I have a clean slate yet Bank Of America refuses to correct errors that reflect poorly on my credit report. Information that is incorrect and has had a negative impact on my life. 
To their credit- XXXX XXXX has not contacted me at all. 
I was given this information as a result of contacting Bank Of America at XXXX.
Product: Student loan

I have my loans through navient and they have not been helpful at all with working with me to pay my loans. I have had to put my loan in forbearance twice. They wanted me to make a payment of {$1300.00} a month. I am a teacher and barely make that every two weeks. They told me to take a forbearance for a year which I did. When I explained I could n't afford that they told me to me I could do income base payments the income base payments were still to hire. They said there was nothing they could do. So once again I 'm back in forbearance.
Product: Credit reporting or other personal consumer reports

XX/XX/2023, I went to a car shop in nj to look at a car XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had told me I can get a loan better than the one my bank has given me I told them no Im okay, he asked again I said I dont want anymore hard pulls on my credit he them told me thats this wouldnt be a hard pull it would be a soft pull, he lied and capitol one made another hard pull on my credit after I just gotten my credit pulled by my bank and had a loan already
Product: Credit reporting

someone started a comcast account under my social security number but its not me and gave no permission to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

I have told XXXX and Equifax I do not owe a collection on my credit report and it is fraudulent account and I have called and they took it off, but it appears again on my report weeks later and I also have written the 2 credit bureaus and collection agency for validation of the debt and it has been past 30 days and it is still on my credit reports and have asked for proof from creditor and collection agency and have not gotten any results.the company is 12 XXXX XXXXXXXX using a collection company name XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are due to identity theft and need to removed and blocked immediately. I have attached a copy of FTC Report and Police Report to this correspondence. 

The following fraudulent accounts need to be removed and blocked immediately under FCRA or legal actions will be taken against Experian. These accounts were opened by someone who stole my identity and use my information without my permission. I am requesting for Experian to block and remove these fraudulent accounts immediately within four day of receiving my FTC report. 

1. XXXX XXXX Account # XXXX Balance : {$3600.00} 2.  XXXX XXXX Account # XXXX Balance : {$3700.00} 3. XXXX XXXX XXXX Account # XXXX Balance : {$550.00} 4. XXXX Account # XXXX Balance : {$3000.00} 5.XXXX XXXX XXXX Account # XXXX Balance : {$8600.00} 6.XXXX XXXX XXXX   Account # XXXX Balance : {$5500.00} 7.XXXX XXXX XXXX   Account # XXXX Balance : {$28000.00} 8.XXXX Account # XXXX Balance : {$3500.00}. 

Under FCRA, Experian has four days to remove and block these accounts. If not, I will reporting your company to Better Business, Consumer Financial Protection Bureau as well as my Attorney General Office due to your negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

All these accounts show INNACURATE info and must be deleted according to my FCRA RIGHTS. THESE ACCOUNTS MUST BE DELETED IMMEDIATELY! I have sent multiple complaints requesting a full investigation of these accounts however I have not received any proof that this investigation was completed. I have attached my credit report as of XX/XX/2022 comparing all 3 bureaus showing each discrepancy. 

1. Bank of america ( xxxxxxxxxxxx XXXX ) This account contains incorrect information in regards to the account status. Payment status & History. I have made multiple attempts with the company to solve this and no investigation has been completed. Per 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof that every piece of information is accurate, these accounts must be deleted. Company has had more than 30 days to complete this investigation and provide proof