23daVinci/CFPB_Complaints huggingface dataset:
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 Account Number : XXXX Account Name : XXXX Account Number : 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: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, You are breaking the law! 
On XX/XX/2022 I disputed the following account on my consumer report with all three consumer reporting agencies, XXXX, XXXX, and XXXX. 
ABILITY RECOVERY SERVICE Account number XXXX On XX/XX/2022 I received a letter from XXXX with the results of the investigation which came back that this account was inaccurate and it was deleted from my consumer report. Pursuant to 15usc 1681i ( A ) 5 ( D ) any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such reporting agencies. By law each reporting agency is required to uphold the same accuracy. 
On XX/XX/2022 I received an email from XXXX stating that a new collection account was added to my XXXX report. This was the same account that was already deleted by XXXX and XXXX ABILITY RECOVERY SERVICE Account number- XXXX Also, Pursuant to 15usc 1681b ( a ) ( 2 ) a consumer reporting agency may furnish a consumer report in accordance with written instructions to whom it relates. I never gave any written consent for this account to be furnished on my consumer report. Therefore, you had no permissible purpose to have this on my report which is also a violation of my rights. I demand this inaccurate account be deleted from my consumer report at once! 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN ASKING THIS COMPANY FOR A YEAR NOW TO SEND ME DOCUMENTATION WHERE THIS ACCOUNT IS MINE,. 
I HAVE NEVER HAD AN ACCOUNT WITH XXXX XXXX ( XXXX XXXX XXXX? 
I AM ASKING THAT THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY XXXX XXXX XXXX  Reported : XX/XX/XXXX {$8700.00} Closed OTHER LOANS XXXX  XXXX XXXX # XXXX Reported : XX/XX/XXXX {$230.00} Needs Attention XXXX XXXX XXXX # XXXX Reported : XX/XX/XXXX {$400.00} Closed XXXX/XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I never consented to authorize nor benefited from all Inquires and accounts mentioned on my Identity theft repot, Block and delete them. If I have received goods and services from the furnished Inquires and account, let XXXX, Equifax and XXXX have one of their senior executive certify under the penalty of perjury that I did received good and service from those transactions.
Product: Credit card or prepaid card

Card was given to us as a gift in XX/XX/. It looks like it was purchased on XXXX at XXXX. Card was somehow stolen and used at a Tattoo shop in XXXX of XXXX - nowhere near where we live. It was a {$50.00} gift card and the balance is now {$0.00}. 

I tried to called the customer service number multiple times at XXXX ( servicer InComm Financial Services ) and they never picked up.
Product: Credit card or prepaid card

Hi I received a credit card I never applied for with Citibank. The card was also made to my name and an additional card was sent with with same number to another name. I do not know this person at all. The credit card was also sent to an address I do not live at. It was sent to where my parents live. I tried to talk to Citibank regarding this and they were if no help. They would not do anything unless I gave them my social security number which I would not do. I did not apply fir this card at all. I do not want this card. I am very worried as again 2 cards were sent to me one in my name and one to another person to same address with same credit card number. Please see attached documents. Thank you
Product: Vehicle loan or lease

I paid off the loan for my vehicle by refinancing it with another bank. While the payoff check was being processed I had a autopayment withdrawn from my account for {$1000.00}. As a result the vehicle is now paid off with a negative balance of {$1000.00}. I have contacted Ally Financial several times to receive a refund cheque and am told each time to just wait longer. There seems to be no movement on the refund at this time. I was held to a standard to pay my car payment on time, and I did every month, I would like a refund in the same fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting ACT the listed accounts has violated my rights. 
XXXX XXXX XXXX XXXXXXXX account number : XXXX XXXX XXXX XXXX  XXXX Acount number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX  account number : XXXX 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. states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

Home Depot/ Citibank updated my credit card account with a deferred balance promotional offer that I never opted into or signed up for which affected my credit card balance and payments for XXXX XXXXXXXX XXXXXXXX and when I did not pay because I was not aware there was a promotional balance carried forward and based on my knowledge there was no balance to pay since autopay always pays balance in fullI received a notice via email and called and was told that for XX/XX/year> there was no payment deducted with autopay because the account had a promotional offer applied which means it interrupted my account setup and caused my autopay to not run as schedule and then cause a higher than normal balance that I was unaware. Citibank then flagged my account in XXXX and reported it late to the credit bureaus which has a negative impact to my credit for this said promotional balancethis unauthorized change to my account has impacted my credit negatively from XXXX credit to XXXX score while Im trying to make a real estate purchase. The company removed the late fee from my account as they found it wasnt warranted due to the promotional balance but refused to update the credit bureaus and continued to hurt my credit with a promotion I never signed up for
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

On XX/XX/2022, US Bank sent a letter indicating that I had unpaid XXXX  charges on my vehicle and the bank had received a letter from the XXXX XXXX XXXX in Colorado indicating the amount of the tolls and multiple fines/ citations as a result of the tolls not being paid on time. The tolls were for travel on XXXX where tolling is by camera or toll box only ( i.e., there is no way to pay while passing through the tolls ). Because the vehicle is leased, it is registered to US Bank. When the tolling company sends a bill, the bill goes to US Bank. Over several months, US Bank did not pass these bills along to me or add them to my monthly bill. After several months, the tolls accumulated and so did citations for lack of payment. In the XX/XX/2022, letter US Bank stated that if I did not pay the tolls, US Bank would pay them, pass the charges on to me, AND add another fine. I spoke to US Bank customer service in XXXX / XX/XX/2022 and spent well over an hour with an agent who was kind but completely unhelpful. My understanding is that she was filing an internal complaint on my behalf with US Bank. Several months have passed now, and I have received no response from the bank. To ensure further fines did not accumulate, I called XXXX and requested that the citations be waived. XXXX could not waive all the citations but reduced the total to ~ {$100.00}. A few dollars in tolls turned into a large expense for me because US Bank did not properly pass along bills it received for my vehicle. US Bank also does not have an effective complaints process. These practices amount to unfair consumer practices that I believe are a violation of UDAAP. I lost money because US Bank does not have internal processes to properly manage leases. While the payment of tolls is my responsibility, I can not pay tolls on a toll-by-camera road if the bills are never sent to me. Further, US Bank 's employees are inadequately trained and its complaint procedures appear to be a complete sham.
Product: Student loan

I spoke to a representative on XX/XX/2020 in regards to my account and removing late payments from my credit bureau and I would get caught up with my current balance. The agreement was to remove the lates and mark the account as current on their end but they are still reporting on my credit as 90-120 days late which is effecting my scores. I would like these late payments removed as part of the the verbal agreement I had discussed with them.
Product: Checking or savings account

Today I went to cash my check at CHASE BANK since I do not have direct deposit, I then went to insert my money into the atm to put it on my XXXX  card to make a car payment and other things. The Atm took my money and was loading for XXXX minutes while a car honked at me. I had to get out if my car and put a cone behind it next to the ATM while the screen was still loading, and walk back into the bank. I told them that the ATM wasnt depositing my money and was loading for XXXX minutes. The lady told me to park my car, come inside and a XXXX worker will talk to me. When I got back to my car, the loading screen stopped, and gave me HALF of the money I put in back, and the other never went to my bank account, just into the ATM! It wasnt little money either. So basically my money disappeared into the ATM and just spit out half of what I put in without the other half going to my debit card. I go inside with the receipt that the ATM printed that said to check my account, call this number and the banker called a number ( not sure if he called the XXXX on the receipt or not ) but then after he hung up the phone, he told me the rest of my money would be in my account WITHIN an hour, and an email would be sent to my phone. I NEVER got an email and I NEVER got the money, and its been almost XXXX hours. I called Chase bank XXXX times at least, even the branch XXXX and my personal banker, nobody answered and I would get hung up on and straight to voice mail. Eventually someone answered and forwarded me to another person who then said it would take XXXX BUISNESS DAYS to INVESTIGATE?! This is so crazy and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to XXXX several times disputing this and requesting a removal of the rolling 120 day from my credit reports. They refuse to remove this from my credit report. It is still appearing on my Transunion Credit Report. 

I lost my job during covid, the company I worked for closed. I applied for a forbearance of my HELOC which I received. During that time each month the non-payments were submitted to the credit bureau agencies. XXXX indicated that I had a late payment prior to that. This account was brought current in XXXX of 2022, all payments are up to date. Therefore, I requested that the rolling 120 late be removed, they have refused. 

This is a problem as Im in the process of applying for a reverse mortgage which would pay off the HELOC. This issue is an obstacle to my ability of being accepted. 

I would appreciate any assistance in getting this matter resolved.
Product: Mortgage

I started working with Wells Fargo back in XXXX to do a home loan modification which I started and received temporary for 6months, but was told that the remainder of the money that was not paid ( about {$400.00} a month ) would be put at the end of my loan but was not, it was made to be paid at that time which I did n't have and put me in major financial hardship! I was almost foreclosed on because of this! I spent more time that I really had trying to get through all the different lost papers that I needed to resubmit, changing loan specialist etc. that it was tearing me down. BTW I have all documents to back my statements. I was told by another loan specialist to file a quick claim deed and start the process to get the cosigner of the loan as they not living in the home, never lived in the home and will not help towards the loan and is one of the reasons why i cant get a modification at that time after the temporary. I did this and at the same time I got the hardiest hit assistance for 18months until XXXX XXXX and Wells Fargo told me to contact them after that which I did. The whole run around started again, I was told per the quick claim deed the co-signer would not be considered by the first person per the start of what i did in XXXX, but the next specialist came back after I spent allot of time filing out the paper work to get the process going and told me another story that I would need to include the co-signer and the rules from XXXX has changed per the quick claim deed. But I was already way to invested into this, and continued with the co-signer which was not easy as she does n't want anything to do with this and do n't care if it goes into foreclosure! 
After almost 3 months of working on the modification process with Wells Fargo and 5 different loan modification specialist also starting back in XXXX etc. I just now got a call from XXXX XXXX stating there is nothing they can do per the co-signer on the loan and I cant refi because I file bankruptcy in XXXX and have to wait 2 years to do a refi. 
I found XXXX XXXX info by contact XXXX out of TX who told ( they also really helped me understand my financial and how to apply for modification properly unlike Wells Fargo who did n't help me at all filing my papers ) to contact FHA/HUD ( who I have my load with ) and ask them directly, they told me 3 different story 's also, favoring with them NOT including the co-signer only to get with XXXX XXXX who told me a different story but put me in contact with XXXX XXXX and thats where I 'm at today. 
Why I 'm filing today is the fact that I spent so much time and waisted money, resources and more only to get the same answer I could have been told from the start instead of leading me to think it was possible and I still feel Wells Fargo should honor the co-signer not to be on the loan because they do n't live in the house, have not help me ever even when I was almost 3 months late in XXXX etc. and is there in recourse I have for anything they have done you might think could help me here? 
Thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During coid 19 I missed a few payments on my load. ( XXXX ) XX/XX/2020 the cares act became law. And states if you were not delinquent before this became law then you qualify for protection. Protection from allowing credit bureaus and creditors to report late payments or damage your score I have file multiple disputes with orginal creditor and credit bureau and they choose not to follow the law and remove these. Missed payments after XX/XX/2020 to present need to be removed per cares act and heros act
Product: Credit reporting, credit repair services, or other personal consumer reports

CapitalOne advised they would wave the late payment on my account due to an error but it's still showing late on my XXXX  and XXXX.
Product: Mortgage

I was in forbearance with Rushmore Loans from XX/XX/XXXX to XX/XX/XXXX and I have the forbearance documents stating that. I have made 6 payments and the requirement is only 3 since exiting forbearance and I am trying to refinance my loan. The lenders I have worked with say they can't refinance my loan because my current lender has me going through a loan modification trial period. They raised my payment about {$150.00} for the last three months to see if I could make the payments, and I have. I want to refinance this loan to get a lower interest rate and prevent my current lender from only giving me the option of a modification. Their plan is to take my missed payments and add that to my current loan balance. I do not agree with that and feel that is predatory lending practices. Why should the missed payments be added ON TOP of the loan balance rather than at the end. They will get their money because IT IS ALREADY PART OF THE LOAN. So if I owed XXXX and I missed XXXX in payments, HOW DOES THAT MEAN THEY CAN ADD THE XXXX ON TOP TO MAKE A NEW LOAN BALANCE OF XXXX???? IT DOESN'T MAKE SENSE. I DID NOT GET ANY EXTRA MONEY. If anything, they should just extend the length of the loan, not add it to the balance.They refuse to work with any of the lenders that contact them about my refinance. They just say I am delinquent and never mention the forbearance. They will not give up any documents at all. 
Anyway, the new lenders are telling me that even though I exited forbearance, made double of the number of required payments after forbearance, they can't refinance me because my current lender is dragging their feet to do a loan modification!! How is this even fair??? Is it true that I can't refinance if they are doing a loan modification??? If so, WHY NOT??? They will still get their money because I have to refinance the entire amount of my original loan anyway. If this is common practice, HOW IN THE XXXX DOES THIS HELP PEOPLE WHO HAD TROUBLE DUE TO THINGS OUT OF THEIR CONTROL ( C O V I D!!!!!!! )????? Please return my email or call me at your earliest convenience so i can get out from this terrible lender!! Please have a heart and help
Product: Checking or savings account

I was fraudulently charged by two different merchants when contacted chime they told me the information stands no error made. They couldnt have done any investigation
Product: Checking or savings account

Wells Fargo has sent me several general form letters in regard to opening of unauthorized accounts and resolution of fees charged to these accounts, the letters want to know if I am satisfied with resolution.. The resolution includes a refund check in the amount of XXXX. This is the only refund I received, which does not cover total fees charged including overdraft fees.. This refund was made as part of Wells Fargo Settlement which again, is only a small portion of fees charged to unauthorized accounts which I believe include a total of two or three. The fees run into the hundreds I believe, however, I do not have an exact total as the accounts are all now closed and do not have access to them. I request a refund of total fees charged to these accounts which were not authorized. Failing that, I request Wells Fargo to cease sending these letters asking if I am satisfied with resolution as I am clearly not.
Product: Debt collection

I have paid the balance off and this is still showing on my credit report. I found this out while applying for a mortgage loan and this is affecting the approval process. 



XXXX : ( medical ) opened : XXXX reported : XXXX balance : {$0.00}
Product: Debt collection

After reviewing my credit reports I discovered two accounts from Transworld ( TSI ). I have disputed these accounts several times with the credit reporting agencies and has gotten no resolution. So, I decided to dispute directly with the company who reported this information. I sent a letter requesting validation of debt for Account # XXXX and Account # XXXX via certified mail on XX/XX/2023. USPS Tracking states it was delivered on XX/XX/2023. I have given Transworld ( TSI ) well over 30 days to response and they have not. I wanted this information removed from my consumer report immediately.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against [ Credit Reporting Agency Name ] regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : XXXX Account Number : XXXX Date of Late Payment : XXXX XXXX, XXXX  Nature of Complaint : On XX/XX/year>, I submitted a dispute to EXPERIAN disputing a late payment reported by XXXX  I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : XXXX. I made the payment as I was always making it without any problem and suddenly they report that I had a delay. They reported it to me in the three bureaus and in XXXX they verified and confirmed that it was an error and they eliminated that payment late. 
XXXX. This account is so far up to date in payment, the entire debt was paid. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 
Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely,