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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX  # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX XXXX, Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX Bank # XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the reporting 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 if the person knows of has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX accounts reporting WRONGFULLY only on EXPERIAN. I sent since XX/XX/XXXX letter every XXXX day asking them to VERIFY and VALIDATE the information and ask for ORIGINAL agreement or informaiton about the ORIGINAL account but I'm ignored since XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS REPORTING DUPLICATE UNAUTHORIZED HARD INQUIRIES XXXX XXXX AND XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I filed my FTC report because of hard inquiries I in no shape or form authorized. I have settled the matter with XXXX XXXX XXXX but Equifax has been stalling on me for now over 45+ days. It started with my first dispute on XX/XX/2023 and was met with a Equifax response on XX/XX/2023 saying that the inquires were factual but they did not investigate at all and I found this out after calling their customer support that same day and they told me they couldn't process my dispute because of my " License & Social Security card '' weren't verifiable. I resubmitted a new dispute ( XX/XX/2023 ) with better quality pictures of my License & Social but this time the dispute came back verified before I talked to anyone on the phone at Equifax. I was also told by them that uploading directly to their website was better & I tried that and was met with the same demise. I am now submitting my THIRD dispute to them and also submitting this complaint alongside it. Thank you for your time
Product: Checking or savings account

On XX/XX/XXXX I disputed amount XXXX XXXX It has been XXXX business days with out a resolution, I was denied provisional credit although I was told the dispute would take as long as 45 days, if not more. I had requested to speak to a XXXX regarding provisional credit and was denied, I have emailed and was only told, they are " waiting on a response from merchant ''. And once again denied any provisional credit. I have been a long time good customer and this is terrible service. Banks should provide provisional credit with in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a credit card that was opened under my maiden name in XXXX of 2019 but I got married XX/XX/2019 and it was opened after. I changed my name the next business day after getting married and I wasnt aware of it until we tried to get a house this year. I opened one with a XXXX $ credit but I closed it because I no longer needed it. And now this one is unknown to me and its in collections so Im trying to figure everything out
Product: Debt collection

Credit report says i owe a debt to a credit service company and i have no knowledge of this account. I am disputing it as a fraud.
Product: Credit card

Fortiva retail credit charged a fee on a credit card I am unable to use, they did not provide a physical notice of the fee nor a mailed statement. They changed the terms without notice or acceptance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$1100.00} ; XXXX  XXXX XXXX XXXX {$140.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$180.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$150.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} ; XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX  XXXX AV XXXX XXXX, MO XXXX
Product: Credit reporting or other personal consumer reports

My account with that company was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

The company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card

Capital one Charged off {$3400.00} and then garnished my paycheck written {$2600.00} past due as of XXXX and i was never issued a XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly over the past three years tried to get the three agencies to correctly report my FICO scores to lending institutions while I attempt to purchase a new vehicle. I was a victim of fraud by my ex-wife and I put a fraud alert over 5 years ago and I have tried and tried at least three times to get this removed to no avail. I provided them with copies of utility bills and my drivers license. The specific problems I have now are. 

Experian shows no score when others show me with scores over 700. 

Ive paid off a small loan that the company cant report because they say Experian wont let them. 

I got a secure credit card that my bank cant report to Experian. 

I had XXXX place a fraud alert on my account without my consent a day after I had it removed. 

Experian, XXXX, and XXXX are all reporting something different.
Product: Checking or savings account

I opened an account recently with XXXX XXXX ( key bank ) and deposited a check for $ XXXX dollars. Immediately after the check was deposited I received an email saying that it would take 7 days for the check to be deposited. I called key bank and told them that I would place a hold on the check with my bank because I needed the funds to be available as this is my emergency fund. The representative said that she was going to notated and that I could go a head and place a hold on the check. I then transferred {$7500.00} to key bank using XXXX from my other bank account. Two days after the funds were deposited into my account KeyBank placed my account on hold for fraud review. I called key bank to ask is I need to provide documentation and they said no, called them back 3 business days later and they asked me for a bank statement from my other bank account provided that and was told that was sufficient. Called them back today and was told that I have to go in person to a branch to fill out an affidavits. I live in Texas and the closest branch to me is located in Florida. On top of it all I set up direct deposit with them and my pay check is being deposited into this account that I dont have access to. I am without my paycheck and my emergency fund. Please help me resolve this! I am without access to money and cant pay my bills. I cant afford a trip to Florida to solve this issue. I am willing to provide any documents they ask. My credit score is excellent and Ive never had issues with any other bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING.

I also fully intend to pursue litigation in accordance with the FCRA to enforce my rights, and to seek relief and recover all potential monetary damages that I may be entitled to under Section XXXX and Section XXXX, regarding your continued willful and negligent non-compliance. 

Despite my previous XXXX formal written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 

You stated in your responses to my XXXX dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts, as per my request and my legal right. 

The simple fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not, verify any of the disputed accounts. Your failure to delete the disputed accounts in question, that you can not verify after XXXX written requests, is also evidence of your willful disregard of Federal Law.

Upon entering litigation, and through the discovery process, you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts, at the time of my request.

The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law, and the Court will order you to delete them.

You say that you have reinvestigated, and/or verified these accounts, but in your inability to provide physical proof of the documents, you are and have admitted that all you have done is parroted information given to you by other sources, also known as creditors, and attempted to shift the burden back to me, and ask me to contact the original creditor to verify these accounts. This type of behavior and action is clearly in violation of 1681 ( a ) ( 4 ) of the FCRA.

In my previous formal request and correspondence, I asked you to give me the name of the person in your company who verified the accuracy of these accounts, but you also ignored this request, which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA, you are required to promptly DELETE all information which can not be verified. I request that you do this immediately.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ), if you fail to comply with this Federal Law. 

I will repeat myself, and state that I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent over 10 Faxes and 3 letters to Equifax to remove 5 fraudulent inquiries on my credit report and on top of that I have called more than 10 times and they still have not removed them. They went ahead and removed 3 accounts that I never told them to do it.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Someone opened ( 3 ) XXXX accounts with my information. This is fraud. The accounts are : XXXX {$94.00} opened XX/XX/2023 | XXXX  - {$110.00} opened XX/XX/2023 | XXXX - {$85.00} opened in XX/XX/202XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Dept of Education /XXXX Account # XXXX {$3500.00} {$4600.00} {$6500.00} {$3300.00} have violated my rights. 

15 U.S.C 1681 c-2. Congress states that the bureaus have 4 days to block and remove any information you identify as identity theft 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 USC 1681 section 602A states l have the right to privacy 15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 1 5 USC 1666B 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: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding identity theft and inaccurate information on my credit report maintained by TransUnion. The following accounts listed on my credit report are not mine and were opened fraudulently as a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never applied for these accounts, and I did not authorize the opening of these accounts. As the victim of identity theft, I am requesting that these accounts be removed from my credit report within 4 days, as required by the Fair Credit Reporting Act ( FCRA ) and Regulation V. 

Specific Allegations : Inaccurate information on my credit report : The accounts listed above are not mine and were opened without my consent. 
Failure to investigate and correct the error : TransUnion has failed to properly investigate and correct the error despite my repeated requests. 
Violation of FCRA : TransUnion has violated the FCRA by not removing the disputed accounts from my credit report within 4 days as required.
Product: Credit reporting or other personal consumer reports

After multiple requests to investigate this account, it is evident that both TransUnion and XXXXXXXX XXXX XXXX have violated my consumer rights. I previously submitted a complaint to the CFPB but have yet to receive a response from either the collection agency or TransUnion. Under 15 USC 1681e ( b ), you are legally required to ensure maximum accuracy in your reports. The information provided by XXXX XXXX ( account number XXXX ) is clearly inaccurate according to the Fair Credit Reporting Act. Therefore, I am formally requesting the immediate deletion of this account due to your failure to comply with 15 USC 1681e ( b ). Enclosed is the response from the original creditor, which highlights the discrepancies in my report. 

Please address this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX 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 a account without my written instructions
Product: Checking or savings account

I have prepaid accounts with Netspend and attached to each of those is a savings account that I had a large amount of money in. 
Out of nowhere my transfers stopped going through and I was unable to log into my Netspend accounts. There is no customer support and they tell me they can not tell me any information about my account. When I ask what happened to the funds in the account they again tell me they can not tell me anything and provide no information. I have no access to my funds that seem to have been stolen by Netspend. They will not tell me the address on file ( I have moved recently ), so if ( they won't ) send my remaining funds by check I have no idea where that would be sent. They have closed my account for no reason and stolen my remaining funds. If they send it to address on file... they are not telling me what address that is ( I tried to update my address a year ago but their system would not update it ).
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made a {$6000.00} payment to the wrong person on Paypal who had the same name as the person that I was trying to pay. Although she was a friend, I didn't think that anyone would have the same name as her because her last name is uncommon. So I sent the money to a different person by accident. Her name was XXXX XXXX. I sent the money to that person. The person I sent it to has the same exact name. However when I spoke to my friend, she told me that she uses XXXX XXXX . So, same name, but with XXXX added. Paypal refuses to intentionally not help me to get the payment back. Just because I authorized the payment doesn't meant that it went to the right person. It wasn't the right person and mistakes do happen. If Paypal chooses to do business this way when an honest mistake is made, and they don't wan na help, then they shouldn't be in business then. Paypal made the decision that since I authorized the payment that there was nothing they could do. In the past, when you could prove that you made a mistake, they would investigate and reverse the situation for a refund and make sure that it got to the right person. But ever since Paypal was bought out from under XXXX XXXX, Paypal has been a pain to deal with. Not only is Paypal unfair, they have been extremely unethical to deal with. I'm truly disappointed that they are refusing to reverse this and help the {$6000.00} to get to the right person when I had no intention of sending a payment like that to the wrong person. So now I am out of {$12000.00} at the moment because I still had to pay the right XXXX XXXX ( with XXXX ) the money still. I don't have that type of money to give away to anyone. I'm contacting my credit union today. This is ridiculous!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in on those accounts to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due dateXXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Mortgage

In XX/XX/XXXX, we initially wanted to take out a mortgage between $ XXXX. We communicated this to XXXX XXXX, the mortgage lender, who advised us to apply for the largest amount of money that we would possibly need and then provide citibank with a finalized loan amount XXXX week prior to closing. When the time came to provide this new amount, XXXX alerted us that the terms that we had locked in would not apply if we dipped below the jumbo loan minimum ( {>= $1,000,000} ). This was the first time we had learned of this citibank policy. To save our rate, we requested to borrow only {>= $1,000,000} on XX/XX/XXXX. On XX/XX/XXXX, we received an email from XXXX XXXX, another mortgage broke, on behalf of XXXX XXXX to let us know that changing the loan amount would trigger a 10 day freeze on the account which would put us past our initial closing date of XX/XX/XXXX. Given this information, we were forced to take out a loan for {>= $1,000,000} which is about {$800000.00} more than we need. 

The problems continued from there including but not limited to XXXX repeatedly asking for information that we had provided previously, delays in receiving the required paperwork to close as scheduled which resulted in two last minute cancelled closings, multiple days taken off work for me and my husband or the above mentioned closings that did not take place. With the lack of an approved mortgage and the jeopardy of losing our house, we started mobilizing cash assets at a cost as well.