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

I recently checked my recent personal credit report and I noticed some unauthorized credit inquiries were removed while there were still few erroneous items remained on my personal credit reports. I once contacted these companies and asked them to remove their credit inquiries from my credit profile. I also requested you before to initiate an investigation into the below items on my credit reports to determine who authorized these items. And I know your investigation is complete, and you find my allegation to be true, please remove these remaining inquiries and inaccurate information and send me an updated copy of my credit report at the address provided : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items I am disputing do not concern any transactions involving the acquisition of goods, services, or funds that I have initiated or approved. Please remove these inquiries from my credit file as soon as possible. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account closed and the balance that is on my credit report is incorrect. I file a complaint with the creditor ( # XXXX ) and they verified that there was no information in regards to myself nor the balance. I sent in documents to XXXX and TransUnion for this account be removed based on the creditors lack of verification. XXXX has removed it from my report.
Product: Money transfer, virtual currency, or money service

I called the bank to help me recover my funds because the company i ordered the product failed to deliver the items. But according to the bank after question that they declined to recover the funds for me. The only thing they can do is communicate to the other bank involved and report the sittuation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I had went to see if I can get a quickloan just to boost my credit score alittle up, we got the application part when i realized I left my state id ( wallet ) in my car which they needed for the application once I gave them my id and they took my info I got a notification on my phone that my credit score dropped down 94 points, which I never authorized them to run my credit or never even got to that part, i called they're company and talked to mostly even department they've transfer me too and still nothing. The company is " XXXX XXXX "
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 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 vears.

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 reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX pulled a hard inquiry without my approval. I authorized one inquiry to get a business credit card on XX/XX/XXXX, but they pulled it twice without my knowledge or consent. I contacted them directly as well on XX/XX/XXXX. They told me I had to submit a dispute with the credit bureaus, which I did already. 

I authorized one inquiry with XXXX to open my credit card account on XX/XX/XXXX. However, XXXX pulled my credit THREE times from XXXX on XX/XX/XXXX which I did not authorize multiple hard inquiries in one day. 

XXXX pulled my credit TWO times in one day on XX/XX/XXXX which I did not authorize. 

On XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX submitted hard inquiries without my authorization. They told me if I wanted to request an increase on my credit card it would be a soft pull and not impact my credit. I did not authorize these hard inquiries from XXXX XXXX. Please delete. 

On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX submitted hard inquiries on my XXXX credit looking to get me approved for a car loan. I did not authorize them to submit my credit multiple times. Please delete. 

On XX/XX/XXXX, XXXX submitted my credit to several banks trying to get me approved for an auto loan. I did not authorize them to pull my credit. 
On XX/XX/XXXX again XXXX, and XXXX XXXX XXXX on XX/XX/XXXX pulled my credit without my authorization attempting to get me approved for an auto loan. I did not authorize them to run my credit over and over. Please delete these inquiries
Product: Credit reporting or other personal consumer reports

per 15 U.S.C. 1681, a company is illegally sharing personal information without the individual 's consent, demanding immediate removal of that data and a formal opt-out from future reporting of such information. 


XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 Section 602 There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. As a protected consumer I have a right to make sure that my personal nonpublic information isn't shared, which is confirmed by law 15 USC 6801. : It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX is a financial institution. The definition is found under title 15 USC 1681 section 604 section 2 states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer in which it relates. An opt out letter has been sent to XXXX XXXX on XX/XX/year>. A financial institution may not disclose nonpublic personal information without the consumer receiving an explanation of how the consumer can exercise a nondisclosure option. XXXX XXXX never informed me of my right to exercise my non-disclosure option. 15 USC 1681c ( a ) 5 states except authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. This account is an adverse item that is being reported again, without my permission, which is against the law. 15 USC 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 the information is inaccurate. 
15 USC 1681e : Every consumer reporting agency SHALL maintain procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title. Experian and XXXX are not maintaining reasonable procedures. 
XXXX XXXX XXXX " A CONSUMER MAY EXERCISE THE RIGHT TO OPT OUT AT ANY TIME '' SEE THE OPT OUT THAT WAS SENT TO THE XXXX XXXX IN XX/XX/scrub>XXXX XXXX XXXX
Product: Student loan

When Navient took over federal student loans from XXXX XXXX, my information was somehow updated to show that I was late on payments, when in fact my loans was under deferral with XXXX XXXX. I have called and contacted this company twice in regards to this error and as of today, they have not provided, nor corrected my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX XXXX - Account Number : 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 an 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 ) ( a ) 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 reporting, credit repair services, or other personal consumer reports

Santander XXXX - This account should is reporting on my credit when I do not owe it as it is past the statute of limitations in Utah. This
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, unauthorized inquiries are being reported to my personal credit file. The XXXX, Equifax, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

During a forbearance period ( back in XX/XX/XXXX with Citizens Bank NA ( DBA Citizens/Citizens One ) I was making principal payments ONLY. I was just notified on XX/XX/XXXX that I was not able to make such payments, if any payments received would also be applied to my monthly payments as well. I requested proof of this policy which I never received. 
I was asked to provide proof of all payments that was misapplied. I complied with this request and faxed copies accordingly. Said payments were NEVER applied as agreed. 

I have spent hours trying to reach a manager, the correct department that supposedly made this issue and have yet to hear from Citizens. 

Today XX/XX/XXXX I tried again to discuss this matter with a manager and was advised that the manager would NOT take the call that they would get back to my by EOD. As I type this complaint it is XXXX EST and NO callback from anyone. 

I want my payments applied correctly and proof that my loan principal amount is well below $ XXXX per my records and prior agreement from an agent by the name of XXXX XXXX and " XXXX ''. I was also advised today, that for most of the conversations I've had with Citizens, there are NO notes. Per their upfront recording all calls ARE RECORDED. Although there are no notes, they have records of my calls unless they have destroyed them ( which wouldn't surprise me with this company ).

I'm trying to pay ONLY what I owe hence, the reason I want my principal ONLY payments applied correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$130000.00} XXXX XXXX XXXXXXXX Balance : {$38000.00} XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments reported for XX/XX/XXXX and XX/XX/XXXX on my credit file are inaccurate. I have consistently made my payments on time and have been enrolled in autopay for this account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA. 
Truth in Lending Act ( TILA ) : The reporting practices may violate the TILA, which mandates accurate reporting of credit information. 
Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX High Balance : {$31000.00} Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Frequency : Monthly Reported Late Payments : XX/XX/XXXX, XX/XX/XXXX Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a checking account with Discover Bank more than 90 days ago, in XX/XX/XXXX, and my account has a positive balance. When I called on XX/XX/XXXX to ask customer service why I still can't enroll in XXXX, despite meeting these requirements, I was told that there are " confidential requirements '' that the CSA did not have access to, and could not explicate. 

I am 100 % convinced that the reason I can't enroll in XXXX is because I am currently going through XXXX XXXXXXXX Bankruptcy, and Discover Bank is one of the creditors in my case. I believe I am being prevented from enrolling in XXXX punitively.
Product: Debt collection

On XX/XX/2018 I was sent to XXXX XXXX by doctors orders to get urgent blood work done. I was given a piece of paper to bring to the hospital where I was seen to have blood taken. Not once did any person I dealt with that day, inform me that my insurance did not cover that specific blood work. 6 Months after that I started receiving constant phone calls from a collection agency about an {$830.00} medical bill. I was XXXX at the time and thought that bill was my mother 's responsibility, so I gave the collection agency my mothers information. They still have been nonstop calling me and now the mark against my credit is holding me back from replacing my vehicle.
Product: Checking or savings account

i have a joint account with my wife and i deposited 2 checks on XX/XX/year> with the sum of {$200.00} made out to her old name, and the bank wants to verify with her, that the check was made to her, and the only way the bank wants to verify with her is by calling her on a phone number that's registered with her name, and she doesn't have a phone number registered with her name. 
i have all documents that she is the person the check was made out to and the bank wont except it. 
its crazy that the only way to verify a check is with a registered phone number!!!! not everyone has it and i have all the proof i need to verify, like her old id card and new id card, our marriage license and new and old ss card, they first restricted my account and they are going to close it XX/XX/XXXX XXXX and also they told me over the phone that i should go to my local branch and with my docs and i will be able to verify this check. but when i came down they only wanted to verify through a registered phone number on her name please help me out they shouldn't be able to restrict my account. its not right from them to hold my money and close my account when i have all the proof needed. 
thank you so much.
Product: Vehicle loan or lease

I have attempted to correct the late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that are inaccurately reported on my credit report. I have made numerous call and email requests for over a month and have also sent a letter in the mail. I'm continuously being ignored.
Product: Debt collection

On  XXXX   XXXX ,    2017  I received an alert via email of a negative collection account reporting to my   XXXX    report. I immediately checked my reports to see t hat Convergent Outsourcing had lis ted an account to my report in the amount of {$130.00}. I have had no previous dealings with this company. No calls, no letters, NOTHING and they just decided to report a negative account. I sent  Convergent Outsourcing  a letter on  XXXX / XXXX / 2017 , via certified mail #  XXXX   XXXX   XXXX   XXXX  in which they received on  XXXX / XXXX / 2017  to validate this alleged debt. I also sent this letter via fax and also to the companie s executive team  via email for prompt response. I educated Convergent that they had 30 days to respond to my letter or that they should delete it. Pe r the FDCA, a debt collector is to notify the credit reporting agencies that this alleged debt is being disputed and can not continue to collect or report this alleged debt until they have provided verification. Convergent failed to abide by these rules. They continued to report, and update this alleged debt to   XXXX   ( la st update on  XXXX / XXXX /  XXXX   ) before even responding to my letter. I did not hear anything from this company for over 40 days from the date they received my correspondence. On  XXXX / XXXX / 17 , I sent  XXXX  a request to have this negative account information deleted immediately due to no response from Convergent Outsourcing, and their above violation. Today  XXXX / XXXX / 17 , I received in the mail a copy of some sort of bill which listed inaccurate information. It did not verify debt, nor did it show proof that this is my debt, as it is not, or any legal binding agreement to convergent outsourcing. I am extremely disappointed that Texas allows deceitful scamming c ompanies like Convergent Outsourcing to target its residents.
Product: Debt collection

Please review all attachments/all documents where notarized and mailed certified mail return receipt, Company is already in default, never received response back, nor demand for compensation of them obtaining my consumer credit information without my consent or permissible purposes under the law and Fair credit reporting act, in specific 15 United States code 1681b ( permissible purposes ) .Resurgent capital services L.P. Is in violation for unlawfully obtaining my credit report from, XXXX on multiple XXXX XXXX XXXX XXXX XXXX and a quick check will verify my claims and other consumer violations may apply due to them still continuing to share this information and obtaining my consumer credit report unlawfully currently without my Permissible purposes under the FAIR CREDIT REPORTING ACT AND as a result of this unlawful obtaining of my consumer report without my permissible consent/purpose.This Company has caused my natural self to sustain actual, statutory and punitive damages.
Product: Checking or savings account

On XX/XX/2019 I deposited a check in my account by mistake that I had previously cashed that same day. Prior to that day I had made deposits from XXXX, XXXX and XXXX the previous week. All of my money is being held by Citibank with no resolution or release of my funds because they put a fraud freeze on my account. I explained in detail what he happened to numerous people with Citi and no one can help me. It's been 3 weeks now and they still have my money. I dont know what to  do.
Product: Credit card

ON XX/XX/year> I received a text and call from Bank of America Fraud. I was informed that charges were being processed from a foreign company and I needed to follow their directions to stop the charges. I did exactly as I was told and was informed that is was taken care of. The next day, that same person called me back and said they were in charge of all credit companies and started asking me about my other cards with different banks. I thought this was strange and called Bank of America directly. I was told that there had been to charges on two of my Bank of America credit cards. There charges were for {$6600.00} and {$6500.00} from XXXX XXXX XXXX on XXXX separate cards. 

I requested to disputed the charges and informed Bank of America of the phone and text calls I received. My accounts were closed and new cards were to be sent out. I was told that the charges would be sent to the dispute branch. 

I received a letter saying they were denying my claim and saying I approved the charges. I again explained that I was scammed and only followed directions from who I believed was a Bank of America Agent. I ask for it to be reviewed again, and even sent a copy of the text, proof of the call log and explained the fact that I did call on XX/XX/year> as soon as I realized I was scammed. 

I was again denied When I tried to get information about the merchant ( XXXX XXXX XXXX ) it shows as a foreign company and not in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX I repeatedly giving this corporation opportunity to cure these inaccurate information being reported on my consumer report.. I am very aware of the FCRA regulations. I AM A NATURAL LIVING PERSON. Per. 15 USC 1692 a ( 3 ) .The law states that I have a right to a accurate credit file and this company is continuing to update and fix this problem this is my third time giving this corporation a opportunity. Due to there negligence myself and family are XXXX  See Attached Documents. This corporation is in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Nelnet are refusing to report correct information regarding the attached statement