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

In Accordance with the Fair Credit reporting Everything has to be 100 % accurate on my credit report The Credit bureaus stated my account was properly investigated but how is that possible if the open sate is inaccurate, last date active is inaccurate and sate last reported is not accurate, This ground for removal the also violated my rights under 15 U.S.C 1681 sections 602 A States i have the right to privacy 15 U.S.C 1681 sections 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions Also the Credit Bureaus too more that 30 days to complete my investigation This has also been filed to the XXXX  and the AG
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION CFPB THIS IS NOT A DUPLICATE REPORT THIS COMPANY AGAIN HAS VIOLATED MY RIGHTS! 

In accordance with the fair credit act, this creditor has violated my rights. Under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 ( a ) section 2 it also states consumer reporting agency can not furnish an account without my written instructions.

FRAUD AGAIN, DO NOT HAVE MY WRITTEN CONSENT I'M PREPARINGTO TAKE THIS COMPANY TO FEDERAL COURT I WILL NOT SEND YOU ANY OF MY PERSONAL INFORMATION AGAIN!! YOU CAN SEE I
Product: Credit reporting or other personal consumer reports

Dear Equifax : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly? 
1. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX  Account Number : XXXX Please remove it from my credit report. 
Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this.

30 days should be enough time to get back with me. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to Correct Credit Report Yo whom it may concern Please consider this a formal request to investigate and correct the following inaccurate hard Inquiry items on my credit report. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Dates of hard inquiries that need to be removed, Company Names & Numbers XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

Sincerely, XXXX XXXX If you guys need anything from me, feel free to contact me anytime!
Product: Credit card or prepaid card

I purchase from XXXXXXXX XXXX a order XXXX for GooseCreek Candles with my XXXX XXXX XXXX Credit Card for {$140.00}. 

I cancelled the order in XXXX as I never received them before XXXX. XXXX XXXX never got back to my emails either until now. Synchrony Bank ( credit card ) has not refund me any money back on my card, or XXXX XXXX gift card. 
I have called and emailed several times. 
XXXX XXXX and Synchrony Bank and XXXX XXXX is doing nothing and says they will look into the matter and never does. 
I really want a refund back for XXXX  I did not receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

they are reporting my account late for the month XXXX and this is incorrect I have been going thru a hardship due to covid-19 and had already explained this to them and the hardship department at XXXX told me this would not affect my credit. I have talked to fha who insures my home loan and they assured me that my account would remain current. 

I am in the process of refinancing my home loan and this late reporting is causing me a hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency did not delete  XXXX  charge off accounts after I was mailed a  XXXX  and disputed accounts. Accounts are written off and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my report and it there came to be 14 hard inquiries on my report that I did not authorized or give permission for. I tried contacted these companies and couldn't get a respon
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not put anything in my name under this account and does not belong to me.
Product: Credit reporting or other personal consumer reports

To Whom It May concern : Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I am entitled to an accurate credit report : The Inaccuracies is a violation of my consumer rights. Include 15 USC 1637b consumer law that protects accurate credit reporting.

Please remove the following from my personal information : XXXX XXXX XXXX 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on Experian 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : ( XXXX XXXX XXXX XXXX XXXX Date XX/XX/2020, XXXX XXXX  Inquiry Date XX/XX/2020, XXXX XXXX  Inquiry Date XX/XX/2020, XXXX XXXX XXXX Inquiry Date XX/XX/2020 )
Product: Checking or savings account

I have a checking and savings account with Bank of America. I recently purchased a car and had to transfer funds to my checking account. Being I passed the limit of transfers they charged me a fee of XXXX. Plus XXXX in withdrawal fees. I called the bank and asked if they could credit my account back the fees. I explained it was my money and I didnt think it was fair to charge a fee. The individual refused to credit my account. Explained the charges were correct. I know if I had a substantial amount of cash in their bank it wouldnt have been a problem. I want my feed back.
Product: Debt collection

CJA Auto Sales INC, came to my residence when I was not home. 
A respesentaive placed court document on my door without getting a signature from me. Now I have 20 days to answer this complaint. I have went to credit companies for help CJA stated that I have the vehicle in my possession. The vehicle was repossessed after missing one payment. The agency is suing me for a remaining balance owed after the repossessed vehicle was sold in an auction. I also feel the vehicle was not of that value. I feel this is an harrassment to collect money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Regarding inaccurate information on my Credit Report. 

Dear : Experian I am writing to formally dispute inaccurate information on my credit report that I believe is harming my well-being. I am aware of my rights under the fair credit Reportind A hand request a thorough investigation into these inaccuracies, as required by Federal Law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly Investigate consumer disputes citing sham investigations and other unlawful practices These practices as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputes properly. 
Reinserting previously disputes and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Debt collection

I have a collection account listed on my credit reports by a debt XXXX XXXX, XXXX XXXX XXXX collecting on behalf of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is not licensed to collect in the state of Florida and therefore I am disputing this collection account.
Product: Debt collection

A company called Alliance Data has been calling me about a so-called " urgent matter '' related to my XXXX XXXX account since XX/XX/XXXX. I haven't used this card in at least 5 years. 

In fact, the card is still under my maiden name, because that's how long it's been since I've used it. I never updated it because I completely forgot I had this card. 

Fast forward to now. I get at least 3 calls a week from Alliance Data, claiming that I owe a debt for this card. I've asked them repeatedly to verify this debt in writing, but they haven't sent me anything. 

I know I don't owe this debt. Which is why they can't provide written verification for it. 

Today, Monday, XX/XX/XXXX, at XXXX XXXX  Central Time, I called them back and spoke with XXXX, who was very rude. She got an attitude with me because I didn't have all the account information. I told her that, unless Alliance Data can verify this debt ( which they can't ), to stop calling me. 

After that conversation, I wrote and sent a letter ( see attached PDF ) to XXXX XXXX to notify them of this situation.
Product: Money transfer, virtual currency, or money service

Someone on XXXX said they were selling XXXXXXXX XXXX tickets. It seemed so legit. I Zelled them XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request for XXXX, XXXX, and Experian to remove all of my hard inquires which were unrecognized. I personally called each company that I asked to be removed and was quickly advised there was nothing they could do because I do n't have an account or account number with them. I explained to all 3 the only permissible reasons for pulling someones credit is a Firm offer of credit, Insurance, court order or employment. What XXXX decided to send me was a generic response telling me what inquires were which I did not request an explanation of what inquires were. The other 2 agency 's sent nothing!
Product: Checking or savings account

I opened a Citibank XXXX Checking account on XX/XX/22. Since then I have connected my direct deposit to the account, and have used the account to pay various bills and make any transfers needed for an upcoming move. As far as I am aware, I have not violated any terms of service with Citibank. Today I received an email stating that my account will be automatically closed within 60 days due to violated terms, however the violation itself was not stated. My account is now locked, and I have zero access to my funds. I have spoken with multiple reps across different teams and no one will tell me anything. As expected, I am rightfully XXXX, and need my account reopened expeditiously. Please assist, if possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for two days to contact Experian to have unauthorized requests for my credit history removed from my credit report. I have been unable to file the dispute online using either a document or the online portal or by phone. The company does not even provide an avenue for a consumer to speak to a person even in the instance of fraud and their error. I want these unauthorized notations on my credit report removed. Furthermore no company should be allowed to be run this poorly there should be an avenue where a person can get an issue particularly in the instance of fraud addressed. If this firm is going to be a member of an essential cartel and maintain private records on private individuals they need to both safeguard this information and have a viable customer interface.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX asked trans Union to verify my identity after a fraud alert was on my credit report. Trans Union used false information on my contact information, claiming they got it from another credit bureau. Trans Union 's erroneous information caused the denial of credit and a needless hard inquiry. I've asked Trans Union to remove the hard inquiry, and they prompted me to have XXXX and XXXX XXXX  write a letter to authorize the removal of the hard inquiry. Both XXXX and XXXX XXXX have delayed getting me a reference number to verify they will give me a letter to authorize Trans Union to eradicate the hard inquiry.
Product: Mortgage

My wife and I are to over whelmed with the excuses Citi mortgage has gave us, in order to not assist our loan.We have applied for a government modification many times and Citi mortgage has done everything in there power to pro-long my loan further more behind. In 2012 I received a notice from Citi mortgage stating I was eligible for the Clarity Commitment modification or the National Mortgage Settlement modification based on the national settlement from the lawsuit filed against Citi mortgage. However I never received an approval or denial. We are extremely concern because no one ever returns our calls to give any update. We are willing to negotiate with my investor XXXX and with Citi Mortgage to come with an agreement and therefore we can keep our house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have inquries on my consumer report that I did not varify. The grave mishap has greatly affected my livelihood. I would classify this as knowing noncompliance considering the reporting agency is required to validate all information with me prior to reporting on my consumer report. At this point I did send XXXX inquiries to this reporting agency to have addressed yet nothing has been done.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Sallie Mae has violated my rights under 15 USC 1681 section 602, which states that I have a right to privacy. It also states that a consumer reporting agency can not furnish an account without my 'written instructions ' under 15 USCS 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

National Check burea been adding interest on a credit card debt since 2001 I never had a credit card with national Check burea they cant proof I owe any money to any one
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquires on this report are in correct and in direct violation of USC 1692G & USC 1692J : It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
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 # XXXX, has violated my rights. 

15 usc 1681 section 602 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 1666b : a creditor may not treat a payment on a credit card account under any open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XX/XX/2024, I looked at my report. I sent a letter to Transunion on XX/XX/2024 asking them to reinvestiagate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX and here is my tracking number : XXXX XX/XX/2024 they sent me their invetagtion and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Transunion really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the timeline of events with XXXX Bank. 
XXXX, XXXX, I tried to update my email address with XXXX Bank because I was not receiving notices. The system did not update my email address. 

XXXX XXXX, I paid off the full balance of the card. 

XXXX XXXX, they assessed an annual fee and continued sending notifications ONLY to the email address I asked them to remove. 

XXXX XXXX XXXX, I received a letter letting me know my payment was late, so I went online and paid right away, and then followed up with a phone call, where the agent told me this would not report negatively on my credit. 

XXXX XXXX, found out they reported me as 30 days late. Contacted the center, was told they can not change this reporting. 

XXXX XXXX, Contacted them again, was hung up on. 

XX/XX/XXXX, contacted the executive offices and was assigned to an account rep. Case : XXXX, assigned to XX/XX/XXXX, XXXX left message -- he did not return my call XX/XX/XXXX, XXXX Left a message, call was not returned. 

XXXX, XXXX, left another message- a different rep called to tell me he was out and would call me when he got back. He never called. 

XXXX bank needs to take ownership of this issue and correct the issue. Please reference previous complaing : XXXX. This was NOT resolved in 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with Transunion. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. In effort to clear my report of fraudulent information, I discovered that my name is incorrect. This further proves identity theft. The information associated with XXXX XXXX XXXX must be deleted
Product: Mortgage

Mr. Cooper is refusing to correct their mistakes concering my mortgage transfer. They are using deceptive practices. We are a new customer to Mr. Cooper and we were impacted by the cyber security attacke one day prior to our first payment being due. Mr. Cooper 's website and all online notifications, and a communication via mail ensured that we would not incurr late charges and that this would not impact our credit score.

The latest communication from Mr. Cooper ensures that we will continue to receive foreclosure notices
Product: Credit reporting

XXXX county recorder shows a lien file XX/XX/XXXX with a balance. an individual chapter XXXX bankruptcy XXXX debt in 11/2014. I have disputed item multiple times and lien is not removed and balance remains. I had filed a chapter XXXX XX/XX/XXXX that was dismissed and maybe a duplicate file or the original debt was joint and my individual chapter XXXX makes me not responsible for this debt.
Product: Money transfers

Dear Sir/Madam, Paypal is holding my funds in these accounts hostage since XXXX XXXX, 2015. My personal account has {$5500.00}, and my business account has {$9400.00}. The pretense of limiting my account was high level of risk. The matter of fact truth is that my accounts have never had any disputes, claims, or chargebacks. Their holding my funds is nothing but malice, and was done in bad faith. It is unreasonable and should be illegal. So far all my contacts to Paypal only resulted in either no reply or nonsense form-letters. 
I am asking for you intervention to:1 ) Order Paypal to release the funds to me immediately without any further delay ; 2 ) Order Paypal to pay interest at 10 % or the highest rate Paypal pays to its lenders to compensate me for locking up my funds ; 3 ) Declare Paypal 's XXXX-day holding period illegal. 
Thank you very much for your prompt assistance on this matter.