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

Upon receiving a copy of my credit report from TransUnion, I discovered multiple hard inquiries that I did not authorize or initiate. These inquiries were made by various entities, and to the best of my knowledge, I have had no prior dealings or interactions with these organizations. The presence of these unauthorized inquiries raises serious concerns about the potential misuse of my personal credit information. 

As per 15 U.S.C 1681b, a permissible purpose is required for an entity to access an individual 's credit information. Specifically, section 1681b ( a ) states that a consumer reporting agency may furnish a consumer report only to those with a valid need as outlined in the statute. The law restricts the permissible purposes to situations such as credit applications, account reviews, employment screenings, insurance underwriting, and legitimate business transactions. 

Needless to say none of these hard inquiries on my report had permissible purpose. 

Under 15 USC 1681s-2, TransUnion, as a data furnisher, is obligated to provide accurate information to consumer reporting agencies. The statute requires that consumer reporting agencies take reasonable steps to ensure the accuracy and integrity of the information they furnish to credit reports. In this case, it is evident that TransUnion has failed in its duty to provide accurate and up-to-date information, as evidenced by the discrepancies in my credit report.
Product: Credit card or prepaid card

Hi I have made XXXX purchase on XX/XX/XXXX and the same was not working/defective and i had to return subsequently. 
i was asking for the refund from citiback credit card and they are not helping me. 

I need your help here.. 



Below is the latest info from citiback for my {$390.00} refund amount. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT NUMBER XXXX Citi ( R ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX This letter concerns the transaction described below made with card number XXXX : Date Amount Description XX/XX/XXXX {$390.00} XXXX XXXX XXXX XXXX We needed your response to our XX/XX/XXXX letter no later than XX/XX/XXXX in order to continue our investigation. Since no reply was received by this date, the dispute was closed. Please understand that Citi does not set these timeframes and we are unable to extend them or reopen a claim once this date has passed. We no longer have any options available to pursue a credit on your behalf through the dispute process. 
We regret that we are unable to assist you in this matter. 
Sincerely, Customer Service Team FEDERAL REGULATIONS REQUIRE THE STATEMENT ************************************************************************************************ I also providing further info that XXXX has settled the matter with citibank as below : -- -- - Original message -- -- - From : XXXX To : XXXX Cc : Subject : Re : Order : XXXX Date : Mon, XX/XX/XXXX XXXX XXXX Hello, We received your email about order XXXX. We have researched this matter and confirmed that the dispute in question has been resolved between XXXX and your card issuer. Therefore, we will not be able to reimburse you. 

Please contact your card issuer for more information about reimbursement for this purchase. In the future, file an XXXX XXXX claim to resolve any issues related to XXXX XXXX purchases before contacting your card issuer. For more information, see our XXXX XXXX FAQ ( XXXX ). 

We can not help you further with this problem. 

Sincerely, -- - XXXX Account Specialist XXXX XXXX I also confirm that the seller has confirmed that he has approved to issue credit to me as below : Order ID XXXX : Message : Dear XXXX, We confirm that the refund has been initiated on XXXX and our system shows that we have fully refunded you {$390.00}. 
Please find the attached screenshot of your order. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

This was done by someone who stole my identity and use my information from a previous job
Product: Credit card or prepaid card

I have a XXXX ( " XXXX '' ) XXXX issued by TD Bank, which has been open and on auto-pay with no issues since XX/XX/XXXX. On XX/XX/XXXX of this year, my automatic payment went through as scheduled but was returned from my bank due to a checking account error. As soon as I saw the returned payment on the XXXX XXXX online management page, I sent an additional payment to ensure that I would meet my minimum. XXXX charged me a {$27.00} fee plus interest for the auto-payment. I called XXXX support and asked for a courtesy refund of this fee. The representative initially agreed, and then after putting me on hold, said that she was only able to assist with late fees and since I had already made another payment she would not be refunding the {$27.00} fee. I transferred to a supervisor with the same request, who said this was not refundable because it was a returned payment and that I would need to speak to my bank to get it waived. I called my bank and spoke with a representative who said that they are not able to help and have no control over the fees on the XXXX, Now I 've been bounced around by the support from XXXX and I still have the additional fees and interest!
Product: Mortgage

This mortgage was owned by XXXX who sold it to Specialized Loan Servicing, XXXX XXXX XXXX XXXX, XXXX XXXX, Colorado XXXX ( XXXX ). 
This mortgage was purchased by SLS in XXXX, XXXX. I received a letter from SLS informing me of the purchase, but it stated XXXX would still service the loan, so the XXXX payment was made to XXXX. 
When SLS told me the XXXX payment was due, I told them it was made. We found out XXXX had sent this payment to SLS, along with the Escrow and all paperwork. It took SLS almost 30 days to acknowledge they located the payment. ( I had filed a complaint against XXXX over this ). 
In early XXXX, I received a letter from SLS saying they believed my homeowners insurance ( XXXX XXXX XXXX XXXX ) had lapsed in XXXX, XXXX, and had not been renewed. SLS stated they would wait for my response, then take out a new policy with THEIR OWN insurance co., at a much higher rate. I sent them the proof of insurance showing AUTOMATIC renewal in XXXX, XXXX until XXXX, XXXX. Next, a few days later, I received a letter and check from SLS saying I had an overage in my ESCROW Account, being {$3200.00}. I checked with the XXXX County, Fla. on our real estate taxes ( supposed to be paid from escrow ), and they were not paid. They should be paid in XXXX, XXXX. SLS could not tell me why the taxes were not paid. I finally asked they void the check and pay the taxes.
Product: Mortgage

My mortgage company is refusing to provide me with a payoff statement. I requested a payoff statement on XX/XX/2020 and it is now XX/XX/XXXX and they have still not provided it. I followed their procedures of ordering the payoff online and followed all of their directions. 

Since I have placed the order, they have not replied to my request. It has been 17 days and still no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX, In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Product: Debt collection

This debt was created when my son vacated his apartment. I co signed for the apartment. When my son left, he left a deposit to pay all bills and enough for additional cleaning if necessary. The apartment was signed off my management as everything was in " ok '' condition. We then got a bill from the apartment claiming they needed to do repairs and were doubled billed for cleaning. I disputes the bill, contacted the apartment management several times, but they never provided any proof that the additional fees were real or necessary. I was physically I the apartment and saw that the additions fees were not necessary. The account went into collections in dispute, verification of the fees owed was never provided. I communicated this fact with the collection agency on several occasions and even evidenced that I contacted the XXXX, but nor the apartment management nor the collector provided any evidence or verification of debt. The most I got was a typed form listing the supposed charges and the collectors right to collect. This debt issue has already been removed from my other XXXX credit reports.
Product: Credit card or prepaid card

I am a victim of identity theft, XXXX was taking from me, some one was using my information and sent my XXXX card to different addresses where my money was tooking, nermous of claims had been made and I discovered when I did my claim it was already one done by some one who stole my identity, now Bank of America had denied my claim nermous of times due to what some one else has done. I would like my money back and seems like Bank of America is giving me the run around
Product: Credit reporting or other personal consumer reports

TransUnion Account Number : To whom it may concern, : I recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me. The following alleged account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$230.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards. 

According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 

Please immediately remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion. 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The account LENDING CLUB CORP is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of Unauthorized Vehicle Loan Inquiry Under the Fair Credit Reporting Act To Whom It May Concern, I am writing to formally dispute a vehicle loan inquiry listed on my credit report that I did not authorize. According to the Fair Credit Reporting Act ( FCRA ), Section 604, credit inquiries may only be made with my explicit permission or under permissible purposes as defined by law. 

Inquiry Details : Company Name : Flagship Credit Acceptance Date of Inquiry : XX/XX/XXXX Type of Inquiry : Hard inquiry ( Vehicle Loan ) I have no recollection of applying for a vehicle loan or authorizing this inquiry with the above entity on the date listed. As such, I am requesting that this unauthorized or inaccurate inquiry be investigated and, if found to be unverifiable or improperly obtained, be removed from my credit report immediately. 

Under the FCRA, credit reporting agencies are required to maintain only accurate and verifiable information. I request that you complete your investigation within the required XXXX timeframe and provide written confirmation of your findings and any changes made to my report. 

For your reference, I have included a copy of my credit report with the disputed inquiry highlighted, along with a copy of my government-issued ID to verify my identity. 

Thank you for your attention to this matter. I expect a timely and thorough investigation in accordance with federal law. 

Sincerely, XXXX XXXX XXXX XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 a. states i have the right to privacy.

15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

On XX/XX/2019 I sent Convergent a Debt Validation letter requesting that they send me a contract with my signature on it as proof that the debt is mines. I also requested that they send me validation of the money that they are saying I owe, explain and show me how the balance was calculated, provide me with copies that show I agreed to do business with them, a verification or copy of any judgment applicable, identify the original creditor, show me that they are license to collect in my state and provide me with license numbers and Registered Agent or Agent of Services. The only thing that I received in response was a letter stating that the investigation was complete and the debt was valid. They attached a bill that only showed the amount due but they did not attach a signed document stating that this debt belonged to me. I have no knowledge of ever having a XXXX XXXX account and therefore this debt does not belong to me. On XX/XX/2019 I sent a 2nd Debt Validation request to Convergent Outsourcing, Inc askign for the same documents that I asked for before. They sent me a letter dated for XX/XX/2019 stating that they are not currently handling the account anymore and that they will submit a request to the credit reporting agencies to delete the collection. As of XX/XX/2019 the collection is still listed on all 3 of the credit reporting agencies stating that I still owe this debt.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And list of Inquiries 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: Mortgage

I got into a contract for a house in XXXX, realtor name XXXX XXXX on XXXX/XXXX/15. 
XXXX strongly recommended his loan agent XXXX from Citi Bank ( XXXX ID : XXXX ). 
I talked to XXXX for couple of minutes and we set a time to go through numbers and rates and see if he can do the loan ( while I was in the deciding period as to whom I will use as a lender ) on Saturday XXXX XXXX at XXXX. ( See Screen Shot # XXXX below ) XXXX missed that appointment, then we made another appointment the next day on Sunday XXXX XXXX which he missed again. ( See Screen Shot # XXXX below ). In other words we never got to talk until appraisal. 
Surprisingly, the realtor sends me an email same Sunday morning at XXXX ( See Screen Shot # XXXX below ) that the appraisal is at XXXX the same day. At that point I had not even talked to XXXX and not even selected him as my lender, he has not even gotten my permission to proceed, he has not even disclosed if and what it will cost for appraisal. It was a surprise for me and the realtor was in on it. I did not check his email until XXXX Sunday morning and at that time appraisal was already done. ( See Screen Shot # XXXX below ) As a result of this action, he locked me to work with him only as I did not want to jeopardize my house purchase but unfortunately, he was not able to perform and I had to cancel the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022, XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS REPORTED A DELINQUENT MEDICAL BILL TO MY CREDIT REPORT DAMAGING MY CREDIT. THE ACCOUNT NAME XXXX XXXX XXXX  REPORTED I OWED {$480.00}. I NEVER SIGNED ANY CONTRACT WITH THIS COMPANY XXXX XXXX XXXX  NOR DO I OWE ANY MEDICAL BILLS. I'VE WRITTEN LETTERS TO ALL 3 CREDIT BUREAUS IN AN ATTEMPT TO VALIDATE THE ACCOUNT AND THEY HAVE ALL YET TO RESPOND TO MY REQUEST WITHIN 30 DAYS WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. THEY HAVE NOT EVEN CHANGED THE ACCOUNT STATUS TO BEING IN DISPUTE. GIVEN THAT ALL 3 CREDIT BUREAUS HAVE REPORTED THIS FALSE INFORMATION ON MY CREDIT, ESPECIALLY EQUIFAX WHICH HAS RECENTLY BEEN UNDER FIRE FOR REPORTING FALSE INFORMATION TO SEVERAL CONSUMERS ON THEIR CREDIT REPORTS, THIS INFORMATION NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were all consolidated and transferred to the United States Department of Education. All student loans are current and in good standing. However, XXXX is reporting numerous accounts in my name as 120 days late. I have contacted XXXX numerous times in an attempt to have them correct and remove these items from my report, all to no avail. Furthermore, I have disputed these items on the credit reports associated with each of the three major bureaus ( XXXX, XXXX, and Transunion ), and they refuse to delete the item because XXXX responds to the dispute by stating that the loans are verified and accurate.
Product: Credit reporting or other personal consumer reports

Recently looked at a copy of my credit report and noticed several inaccuracies on my account his account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item am asking you to verity as accurate XXXX account ( Account Name XXXX & XXXX XXXX XXXXXXXX )
Product: Money transfer, virtual currency, or money service

I have a USD Balance of XXXX dollars at Blockchain.com and want to withdraw it. I am able to do all the other functions except withdrawing. When I want to withdraw I get an error message : " Oops, something went wrong here! You are not eligible to make deposits and withdrawals with this currency. '' I initially contacted the support in XX/XX/XXXX. Despite me reaching out on several occasions via chat and responding to their emails I'm not getting any response. 
I then tried to get an solution via their Social Media channel but that did not help. ( I actually got spammed by people that wanted to abuse my issue ) Today ( XX/XX/XXXX ) I reached out again via chat but I was told that they are working on it and I have to be patient. 
I don't think that this should be an issue that takes more than 3 months to solve. Moreover there is no communication from their side and sessions are just dropped.
Product: Debt collection

IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC is a debt collector. They are falsely reporting to my credit! 
Account # XXXX are falsely reporting to my credit file and are against my rights and fair credit act. Under 15 U.S. Code 1681d - Disclosure of investigative consumer reports ; you are in violation. I have attached the definition so you can see the violation! ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested.
Product: Checking or savings account

I deposited a check for XXXX on XXXX I asked the clerk when it would post and she told me XXXX. Now there is a hold on the deposit and I cant access my money until XXXX. 

This is a check the cash value of my surrendered life insurance policy. It was printed in the XXXX of XXXX and I just received it in the mail on XXXX. 
Their reply is there is a confidential source that states the funds may not be paid. I have bills to pay! That is why I cashed in my policy. My Father died on XXXX and I have not been working since. I have XXXX children to care for and my car note and insurance are at risk of being repossessed and cancelled. 

This is not right. Had she been truthful with me I could have cashed the check at a XXXX XXXX and paid the fee for the processing. 

Fifth Third Bank is not the bank to bank with. 
I called them this morning to ask them to release the funds and all of the agents I spoke with are reading a script and telling me to refer to the letter, which I already read, in regards to the hold process. 
I am so frustrated right now!
Product: Credit reporting or other personal consumer reports

Equifax & TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Equifax & TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax & TransUnion inaction violates federal law and my rights as a consumer.
Product: Credit reporting

i sent Equifax a dispute on XX/XX/2015 . that I was a victum of  identity theft, fraud, etc. I sent them a copy of what was incorrect and they sent me a generic response of a letter stating that the information is factual record of file access. No its not why would I have to contact the creditor directly. Please remove the inquirys in question off my report  I want this researched and removed. if there is anything incorrect on your report we are suppose to the advise the credit reporting immediately and I did and per the fcc rule this information must be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I Mr.XXXX  XXXX is a victim of identity theft and accounts have been opened in my name as a result of identity theft ... 
XXXX XXXX account # XXXX opened XX/XX/XXXX amount {$23000.00}. 
Next account XXXX XXXX original creditor XXXX XX/XX/XXXX amount {$750.00} And there is Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX