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

Trans Union, XXXX, and XXXX are housing and inaccurately reporting my non-public personal information to nonaffiliated third parties for unjust enrichment. As required by 12 CFR 1016.7, I was never provided a clear and conspicuous notice accurately explaining my inalienable right to opt out of my nonpublic personal information being shared with nonaffiliated third parties as provided under 12 CFR 1016.10 ( a ). Trans Union did NOT provide reasonable means by which I may exercise my right to opt out. This gross negligence is placing a restraint on my ability to operate in commerce and severely impairing my inalienable right to Life, Liberty, and the pursuit of Happiness.
Product: Credit reporting

Equifax has deleted and re added an remove XXXX XXXX XXXX back on my credit report after i submitted the information for myself proven that the XXXX XXXX XXXX account has been PAID IN FULL, i sent Equifax 2 letters that states above, XXXX and XXXX has remove the above agency but Equifax removed it only to add this collection agency back on my credit report. I written Equifax about this matter and submitted the CASH CHECK and LETTER to XXXX XXXX XXXX to prove the check was cash with the information stating i wanted XXXX XXXX remove from my credit report, only for Equifax to unfair add it back on.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit account company reports that I didn't pay a balance of a credit card in XXXX  when I was only XXXX years of age. account information is not accurate and to my understanding people XXXX  XXXX are not even able to pull credit cards out.
Product: Credit reporting or other personal consumer reports

I Discovered multiple accounts/charges that do not belong to me. after receiving conflicting information regarding these last two remaining accounts accounts from the Credit issuer, the debt collector and information contained on my 3 credit reports. I filed a Identity theft report. over 5-6 accounts. All but the two contained in this new Identity report ( I lost the last one ) have been removed. during the time I had disputed these accounts as fraudulent, the Investigation had taken well over 30 days. Experian for example kept resetting the dates to keep it within the 30 day window. I was never provided any information as too the specific information into their investigation as to why they refused to block those two account. initially I did notice that XXXX and XXXX initially blocked those two accounts, but they re-appeared months later.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the accuracy of the information currently reflected on my credit report, and I request immediate action in line with the Fair Credit Reporting Act ( FCRA ). As you are aware, under 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ), credit bureaus are required to ensure the accuracy and completeness of all information reported to them. 
I recently learned that XXXX is under investigation by the Consumer Financial Protection Bureau ( CFPB ) for failure to conduct proper investigations of credit disputes, including failing to remove or reinsert inaccurate information. Given the findings in this lawsuit, I am concerned that similar errors may be present in my credit report and request an immediate review and correction. 
Disputed Information Account Name : XXXXXXXX XXXX both Account Number : Open/XXXX XXXX XXXX   ( 11 mos Disputed Item ( s ) : [ Late payments, collections, charge-offs, etc. ] I am requesting that Equifax/TransUnion immediately correct or remove the disputed information from my credit report, as it does not comply with FCRA guidelines for accuracy. 
Request for Immediate Action Under 15 U.S.C. 1681i, I request that this dispute be processed and resolved within 3 to 4 business days, as I need the issue addressed promptly to avoid further negative impact on my financial situation. Please ensure the dispute is properly investigated and any inaccuracies are corrected without delay. 
Supporting Documentation A copy of my credit report with the disputed items highlighted. 
Documentation to support my dispute and the accuracy of my claim. 
Please send me written confirmation of the actions taken and an updated copy of my credit report reflecting the changes. 
I expect to hear from you within 3 to 4 business days, as required by the FCRA, regarding the resolution of this dispute.

Thank you for your immediate attention to this urgent matter. 
Sincerely, [ XXXX XXXX
Product: Debt collection

A few months after my visit to XXXX XXXX XXXX XXXX I got a bill which I paid, but then 11 month after my visit I got an alert on my credit report. I had a collection from " XXXX XXXX XXXX '', a collection agency and the original creditor was " XXXX XXXX XXXX XXXX XXXX ''. After many calls I discovered that XXXX is the billing agency for the doctors at XXXX XXXX XXXX XXXX, and that they never filed a claim with my insurance. I never even received a bill from them ; they sent it straight to collection, and to my credit report. XXXX is rather a shady company or an incompetent one and I'm not sure that their methods are even legal. I contacted XXXX XXXX XXXX with my Insurance on the line. They refused to submit a claim to my insurance. I filled out my insurance information when I was in the hospital. It's not my fault that XXXX didn't file a claim with my insurance. and then they're allowed to sell my bill to a collection agency that refuses to submit a claim. How is this legal!?
Product: Credit reporting or other personal consumer reports

XXXX XXXX has repeatedly communicated with me both directly and indirectly by duress and coercion. My vehicle was repossessed which they had no right to do as there is no UCC filed meaning no lien is present. Theyve sent multiple correspondence lowering the price in order for them to remove. They went as low as requesting me to pay {$2000.00} and they would delete and remove because they are aware that I truly owe them nothing. The car was paid for at the consummation of the transaction to which I had no awareness. The contract was also subject to arbitration to which XXXX XXXX failed to comply by and illegally and unlawfully repossessed my car and still trying to purchase the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent letter to Experian and XXXX to remove an inaccurate account on my credit report from XXXX # XXXX for violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Also, on XX/XX/2022 I sent letter to XXXX about reporting this inaccurate account on my credit report, but they stated it was sold to XXXX XXXX XXXX I then sent XXXX XXXX a letter on XX/XX/2022 and they stated they no longer attempt to collect. MY QUESTION NOW IS " WHO OWN THIS ACCOUNT and WHY XXXX, EXPERIAN, XXXX CONTINUES TO REPORT IT ON MY CREDIT REPORT ''. If XXXX sold the account to XXXX XXXX, then XXXX no longer owns the account. So if XXXX XXXX is new owner of this account and they no longer attempt to collect THEN REMOVE THIS FRUAD ACCOUNT FROM MY CREDIT REPORT ASAP.
Product: Credit card or prepaid card

I have applied for two travel credit cards at Chase bank, United Club & Marriott Bonvoy XXXX on XXXX XXXX, XXXX. On XX/XX/XXXX I was sent letters that i was not approved for the credit cards ... I applied for these two credits cards because I love the benefits the cards offer, such as free checked bags on the first & second for the United Club and the Free Night Award on the Marriott   Bonvoy XXXX. Not only do I enjoy the benefits of the cards, as a small business owner I need to travel abroad often to visit my brokers  & customers  & gain/build new networks  for commerce. Not only will these two cards help me personally and my business, but it will create business and a stronger relationship with Chase Bank. This will provide value for Chase bank and may allow me to borrow money in the future and pay Chase bank more interest. Not only will this create more value & money for Chase Bank ; my credit report clearly shows I am a responsible person who knows how to be financially independent. My score being above average, I have seven years of credit, very low credit usage, zero late payments, zero derogatory remarks, zero collections, and only two hard inquiries. The few credentials I have provided is enough to establish that I am financially responsible and will be able to responsibly mange two more revolving accounts with Chase Bank. My credit report and the growth of my business and other personal assets should provide proof I can manage my debt responsibly, afford more credit and have the capital to pay off future debt on time and in full as I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX  XXXX Open Date XX/XX/2015 Balance : {$0.00}
Product: Debt collection

XXXX XXXX XXXX contacted me regarding an outstanding debt earlier this year. In addition, the company contacted me ex-wife in an attempt to reach me. My ex-wife is not a signatory to this debt and she was not in any way shape or form involved in obtaining this line of credit. As an attorney, I know that this constitutes a violation of my rights under the Fair Debt Collections Act.
Product: Credit reporting or other personal consumer reports

Breaches and Authority I requested proof of the original and current " statement '' and any and all proof there has been a charge off, or not. No statement was provided and no proof of the actual charge off was provided by XXXX XXXX XXXX XXXX. Per FCRA, as a federally protected Consumer, I have and am opting out of any and all authorization, I the Consumer, may have given XXXX XXXX XXXX XXXX, and all three credit bureaus. either knowingly or unknowingly, either verbal or non verbal, written or unwritten, per 15 U.C.S. 6802. 

Additionally, XXXX has indeed declared this auto loan a charge off, and per I.R. Code 61 ( a ) 12, when there is a charge for any indebtedness, the indebtedness is considered income.

Finally, per 15 U.S.C 6801, it is illegal to report transaction history, in accordance with the Privacy Act of 1974.
Product: Debt collection

There is an account listed twice with First Financial Resources collection agency in XXXX, MA. Its a duplicate account that appeared twice. There should only be one account. Obviously this hurt my credit. I contacted the credit bureaus, who said First Financial resources was reported the account twice. For years only 1 account was reported. Magically in XXXX of XXXX the same exact account with a balance, date of service, and original delinquency date appeared. This new account had a new account number. I contacted them twice on XX/XX/XXXX. I emailed them all the documentation showing this account was a duplicate. I asked for a supervisor. But was not given one. I was told I would get a call back. But never did. They said they didnt have an answer. This is unacceptable. For a debt collection agency to clearly report an account twice and not have an answer as to why or where it came from is almost criminal. It has a direct effect on someones ability to gain employment, get credit extended etc. This company does not keep good records, communicate well, or follow up on extremely important matters. Management and the people who work there are inept.
Product: Credit reporting or other personal consumer reports

AWA collections is reporting a collection account on all my credit files that is not mine and is inaccurate. I sent a dispute letter asking for validation information and they did not respond. When I called they said I owe for changing insurance companies which is my right to do as I was not under any contract of any kind and not obligated to stay.
Product: Bank account or service

I 'm submitting a complain against BOA in Georgia. I deposit a check for {$4300.00} from a company called XXXX XXXX. I was suppose to be working from home with this company. This fake company XXXX sent me an email stating they will send me a check for XXXX to purchase my equipment. When I deposit the check on XXXX/XXXX/16 the bank did not call me to let me know the check was fake. I had to go online to check my balance and my account has been locked. I called the risk department on XXXX/XXXX/16 and was tolded to go to my local BOA and have them to fax the police report and documents showing that I was scam. I have been working on this for about 2 weeks now and have not heard anything from nobody. I 'm upset because I already had money in the account and every time I call customer service they can not help me.
Product: Mortgage

Hi, I refinanced my home with XXXX XXXX XXXX ( servicer XXXX XXXX  XXXX ). The initial loan was for XXXX and was closed on XX/XX/2021. 

I have made 2 principal only payments to XXXX XXXX  on XX/XX/2021 - XXXX XX/XX/2021 - XXXX reducing my principal balance to XXXX as of XX/XX/2021. XXXX Attached statement from XXXX XXXX  ). 

My loan was transferred from XXXX XXXX  to BSI Financial Services on XX/XX/2021 and they setup my account with initial balance of XXXX totally disregarding the previous payments in XXXX and disregarding the statement from XXXX XXXX  which shows clearly the account was transferred with an initial balance of XXXX. ( statements attached XXXX. 

I am not sure if this done to defraud me or was a mistake, however looking at BSI actions in past and the settlement they did with CFPB on the same issue per link below https : XXXX I have contacted both XXXX  XXXX  and BSI several times with no resolution. I even got both the companies on same conference call and XXXX XXXX clearly provided documentation to show that they transferred loan with a balance of XXXX, but BSI is not ready to fix this issue. 

They keep insisting that my original note is of XXXX, so that's the amount they will set the loan for. 

Please help in resolving as it is not getting resolved. 

The XXXX  XXXX  Contact Information is as below XXXX XXXX XXXX a division of XXXX XXXX XXXX ATTN : Consumer Solutions Department XXXX XXXX  XXXX XXXX  XXXX, Virginia XXXX XXXX BSI Financial Information as below BSI Financial Services XXXX. XXXX XXXX XXXX, PA XXXX Customer Care Phone : XXXX
Product: Debt collection

I have an account with a company called XXXX  who I financed my XXXX alarm system equipment through. The company called XXXX reference # XXXX have been reaching out to me regarding this bill. They have been calling from random numbers like XXXX, XXXX and other. I called the company XX/XX/XXXX a Friday. I spoke to a gentleman, XXXX XXXX, or whoever his name was and he was very very disrespectful, nasty and called me a liar. I called XXXX to get an understanding of the text message I received, was this a settlement offer a pay off just to get an understanding of it all before I take care of the debt. Due to his nastiness, I did become erratic and belligerent, and I hung up on him. The same guy called me today, Saturday, XX/XX/XXXX at XXXX XXXX  or so and instead of dressing me by XXXX XXXX he called me XXXX as if we were friends and we are not. He was really nasty Again, and rude and hung up on me. I called back to the company requested to speak to a manager. The manager was OK but I still he didnt do a sufficient job that I would think was sufficient. He said he was gon na listen to the tapes and get back to me which I dont care about that And now they want me to pay this money I refuse to pay for being disrespected that is nasty. The Customer supposed to always be right. Thats what I thought could a customer service so I would like for someone to contact them and speak to them on my behalf and if they want to work out something Im fine. I called for XXXX the original deck holder to speak with them about this account and they stated that it was turned over to a company called XXXX  I asked the representative was she sure it was an XXXX and she said no its XXXX  and proceeded to give me the phone number for XXXX  or XXXX  which is not the same number that I have been calling for XXXX. Not only am I suspicious of this company now after speaking with my lender about this because I am in the house buying process right now she informed me not to pay the debt. Let her look into it to make sure they are legit and valid.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states that I have the right to privacy. Under15 USC 1681 Section 604 A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 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. Please remove the late payments from my report as they are violating my rights. Please send me a copy of my report when this has been handled.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 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 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I was really taken aback to discover inaccurate accounts on my credit report this morning. I have no idea what caused this. I reviewed my report as I typically do, but suddenly there were discrepancies. I tried refreshing my browser to fix it, but the errors persisted. I need the documents Ive provided to be reviewed carefully so I dont have to XXXX  about this issue again.
Product: Checking or savings account

i would like to file complain with BMO bank, for holding my refund and not releasing it back to my acct. even when merchant successfully refunded me, this is not the first time i have encountered this with BMO holding my money & not releasing, this particularr refund /transaction was cancelled & refunded on XX/XX/XXXX, according to XXXX XXXX XXXX & everyday i see the amount pending & BMO system keep 's changing the date of the transaction to hold the refund longer .i will attached proof below amount is {$850.00} date of the transaction XXXX XXXX2024 refunded-XXXX  XXXX2024 same day & cancelled by XXXX XXXX XXXX BMO online banking show 's inaccurate date the said transaction and as fallow 's XXXX XXXX,2024 amount {$850.00} PENDING XXXX XXXX2024 amount {$850.00} PENDING ( previous date & original transaction was changed to XX/XX/XXXX. ) i will attached proof below note that this incident has been happening with my acct specially when i have a refund not the first time & refund from them ( ( BMO Bank ) take 's forever sometime 's week 's to resolve until we file and escalate the issue & thats the only time that the bank will do something to released the money.
Product: Credit card

Idenity theft, submitted affidavit and paperwork to company. 
Company did not comply with validation of account
Product: Credit card or prepaid card

Once again this company is charging me late fees because their auto pay is not working. After the last complaint, I set up autopay again in XXXX to automatically take the minimum payment due. My payment was due XX/XX/XXXX and autopay was on. They did not take the payment and are now charging me a late fee. This is a continuous issue with this company, every other month I have to call them. They have not fixed the issue this month. I want all late fees reversed and the payment to be taken on the due date!!! Stop overcharging me for their system failures.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The balances on 6 open accounts are inaccurate. I have filed multiple disputes but the information still is being reported inaccurately. Both XXXX XXXX account balances are incorrect as they both have a {$0.00} : balance and have had the balance for 3 months now. Also both XXXX XXXX accounts have a {$0.00} : balance as well. XXXX has a balance of {$110.00} and XXXX have also been paid off and have a {$0.00} : I reported these inaccuracies to XXXX on XX/XX/XXXX and they have not responded. 
In accordance with the Fair Credit Reporting act the list of accounts mentioned have violated my federally protected consumer rights by reporting inaccurate information.
Product: Credit reporting

I contacted XXXX in regards to a public record for a chapter XXXX bankruptcy list on my file. I disputed this public record mark and asked for verification and they said it was valid. I then contact the bankruptcy court to ask for three procedure in reporting to the credit bureau 's and they responded that they do not report any information to the credit bureau 's. XXXX must have pulled this information from a 3 rd party and the court verified it with me that they do not report to credit bureaus and therefore the public record reflecting this information must be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent.However, any modes of response or coordination were not taken on their end. They havenotcomplied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the timeallowedby law and continued reporting as unverified information which now, given all myattemptsto address it directly with the creditor, as willful negligence and non-compliancewithfederal statutes. Below are the lists of the erroneous inqruiries reporting on myCreditReport : XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX