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

In accordance with the Fair Credit Reporting act 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 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX XXXX have violated my rights. 

15 U.S.C. 1681 section 602 A. states that I have a right to privacy. 

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

15 U.S.C. 1666B says 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 update these accounts to show no late payments or remove these accounts from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and I found several discrepancies. Upon my findings, I disputed the information with the 3 major credit bureaus ; XXXX, XXXX, and Transunion. This original dispute was filed on or around XX/XX/2022 for a closed XXXX credit card account. 

The dispute results were emailed back to me from XXXX on XXXX XX/XX/2022. The account came back as verified with the account status/ responsibility being labeled as " the consumer reported as deceased ''. I am not deceased. XXXX and the other credit bureaus have now labeled my account as being deceased. This has prevented me from applying for a mortgage and securing a home for my family. 

On XXXX XX/XX/2022, I notified XXXX of the inaccurate reporting on my credit report labeling me as deceased. I was instructed to write a certified letter showing proof that I am not deceased before status can be removed. This account and its many inaccuracies have not been removed by XXXX and the other credit bureaus and have violated my consumer rights under FCRA 609/611.

Under FCRA 611, If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

My rights under FCRA 611 were violated.

Under FCRA 609, Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumer 's file at the time of the request, except that nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. ( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually used for no other purpose need not be disclosed : Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. 

In my dispute filed on XXXX XX/XX/2022, I requested the XXXX account be verified and that I be provided with the information used to verify this account. I was provided any documentation when the credit bureaus " verified '' this account and then updated the status as deceased. My rights under FCRA 609 were also violated. 

As a result of the credit bureaus reporting me as deceased my credit scores and report have been removed and are unavailable. This has resulted in me not being able to secure a mortgage for my family.
Product: Mortgage

I found out I was going to be out for XXXX surgery. I would be out fo for 3 months. I was able to contact my creditors and have payments reduced r for this period of time do to XXXX only covering 65 % of my salary. Ocwen, my mortgage holder, gave me a hard time about this, barely understanding tanding them, she said she would send a form to fill out and it would be reviewed for consideration. form received and sent back. I did not hear anything from them so we struggled with the the full mortgage payment. For a company who says they will work with you it seems like smoke and mirrors. no one else had a problem adjusting for me. I I t seems iam held hostage for a medical problem that I had no control of. Can this be removed from my credit report so I can move on? Thanks for consideration.
Product: Student loan

I have XXXX student loans adding up to over {$62000.00} with Wells Fargo Bank. My mother consigned one of the loans and almost 3 years ago I had called the bank to ask how to remove her as my cosigner so to ease my overall student debt through consolidation. The representative told me that I would need to make three years of {$650.00} monthly payments to have my mother removed as my cosigner. I continued making payment for 12 more months before I fell into strapped financial times, so I called the bank and recieved permission for a two month forbearance from the bank. I found out shortly after making another 12 month payment after that forbearance that the clock was reset on my loan payments so I would need to make another 2 years of consistent monthly payments. It seemed like this was misleading that I was not told that if at any time I chose to go into forbearance that my payment timeline to remove my mother as a cosigner for XXXX of XXXX loans would be reset. 
Wells Fargo Bank does not offer any other alternative for me to ease the burden of my student loan payments as the option I always receive from representatives are : 1. ) can you consolidate ( I can not do this option because that would require a cosigner- the only person of which is my mother who can not be used as a cosigner until she is removed from original loan ), 2. ) go into forbearance ( I can only do this option for 2 months effectively upping my interest balance while resetting the clock on the time it would take to remove my mother from original loan ), 3. ) cosigner would need to me payment if I could not. 
Having only 3 none useable options to ease such a large debt with such a high monthly balance is wrong and something should be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is not correcting the issue related to a closed and settled account being used on my credit report. The account was closed and settled per XXXX.
Product: Debt collection

On XX/XX/2017, this debt for {$340.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Product: Credit reporting or other personal consumer reports

Summary of Issue : I recently obtained my credit reports from Experian and Equifax and transunion and noticed several errors, inaccuracies, and fraudulent activities that negatively impact my credit profile. These inaccuracies include incorrect account statuses, unauthorized accounts, and potential identity theft concerns.

Key Issues Identified : Fraudulent Accounts & Identity Theft Alert My Experian credit report has an ID Security Alert, stating that fraudulent applications may have been submitted in my name or that my identity may have been used without my consent.

My Equifax credit report has a Security Freeze in Place and a Fraud Victim " Initial Alert '', which indicates prior concerns about identity theft. 
Despite these alerts, I continue to see unauthorized accounts and incorrect reporting affecting my credit. 
Incorrect Account Statuses & Charge-Offs XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXXXXXX ) : Reports charge-offs and past due balances, though payments were previously made or disputes were initiated. 
XXXX XXXX XXXX XXXX XXXX Account ending in XXXX ) : Charged off with a past due balance of {$2800.00}, despite prior dispute efforts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charge-offs and incorrect balances that I previously attempted to correct. 
Duplicate & Incorrect Personal Information Multiple name variations on my Experian report ( e.g., " XXXX XXXX '' misspelling ). 
Incorrect addresses and variations appearing on both reports. 
Unauthorized Hard Inquiries Experian Report lists five hard inquiries that I did not authorize. 
Equifax Report has XXXX inquiries, which is excessive and likely includes unauthorized checks. 
Steps Taken to Resolve This Issue : I contacted the credit bureaus ( Experian and Equifax ) to dispute these inaccuracies and request corrections.

I placed fraud alerts and a security freeze on my credit files to prevent further unauthorized activity. 
I attempted to contact creditors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX to dispute charges and incorrect reporting. 
Despite these actions, the errors remain, and my credit has been negatively impacted. 
Desired Resolution : Immediate investigation and correction of all fraudulent accounts, incorrect charge-offs, and inaccurate balances.

Removal of all unauthorized inquiries from my credit report.

Ensure identity theft measures are enforced to prevent further damage to my credit profile.

Confirmation from each credit bureau and creditor that the issues have been resolved.

I appreciate the CFPB 's assistance in resolving these serious credit reporting issues, as they have caused undue stress and financial difficulties.
Product: Debt collection

A collection ageny continues to call my phone to reach my husband, XXXX XXXX. 
I have called them back several times and asked what company they are with and they told me that they are XXXX XXXX XXXX, a freelance company. 
I explained to them that my husband is in the hospital  due to a XXXX XXXX  and is unable to communicate at this time. 
They told me that the debt is owed to CashNet USA and in the amount of {$3000.00}. 
I let them know that I would have to verify the debt with my husband ( I currently communicate with him on a dry erase board, I explained this to them as well ). 
After I told them this, the lady I was speaking to named XXXX XXXX told me that was OK and she would make a note on the account and they would possibly have hardship options available. 
I received XXXX more calls and voicemails the following day threatening legal action and that they had a locate placed on my husband. 
I called them back and explained to them that I just spoke to someone the previous day regarding the debt and wanted to find out about getting on a payment arrangement since I am the only one working at this time. 
I let them know that I could pay {$85.00} per month on the balance until paid in full.. 
The gentleman I was talking to put me on hold so he could reach out to his " finance manager '' and he came back to the line and said that will not be an acceptable amount and refused to set me up on a pay arrangement after I asked twice. 
I told him I was going to explore other options since they are refusing payment and I let him know I would be disconnecting the call.
Product: Credit reporting or other personal consumer reports

I did not permit this inquiry, and I have not had any contact with this lender on the date mentioned
Product: Credit reporting or other personal consumer reports

Today I visited XXXX of XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) to inquire about a possible trade-in. The sales representative, XXXX XXXX, repeatedly assured me that only a soft inquiry would be taken from XXXX to estimate financing rates and payments. However, I immediately received notice from XXXX and Equifax that XXXX hard inquiries were performed without my authorization. I never applied for a vehicle loan, filled out any form, or authorized a hard pull. The manager, XXXX XXXX, also denied performing any hard pull. Resolving this issue with the credit bureaus is an extreme hassle as neither will allow online or phone disputes in this situation. They recommended having the dealership contact them, but I do not trust them. 

XXXX lists the inquiry as " XXXX XXXXXXXX XXXX XXXX and Equifax lists it as XXXX XXXX XXXX Both were submitted today, XX/XX/XXXX. My credit scores have already been negatively affected. 

XXXX email : XXXX XXXX rep email : XXXX Phone number : ( XXXX ) XXXX
Product: Debt collection

JJ MARSHALL & ASSOC File Number : XXXX Dear Sir/Madam : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 

I am disputing this debt because the total is inaccurate and I have been continuously harassed with phone calls from the company since early 2018. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not fully owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). 

Thank you for your attention to this matter. 

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

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( XXXX XXXX. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and addresse fraud on there platform, leaving my account vulnerable and unprotected. Furthermore. Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements underwhelming Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate regressor those violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX
Product: Money transfer, virtual currency, or money service

I have received XXXX XXXX from Citibank in New York as of XX/XX/XXXX. 
Citibank Delivery Agent was supposed to deliver CHECKBOOK AND ATM CARD on XX/XX/XXXX. But it is failed to be delivered to my doorstep. 
I kept sending the money 4 times and but delivery Agent continued failing. 
I have been doing like this since XXXX to kept sending the money more than 100 times for nothing as of now. Citibank Officers are all crooked and unprofessional attitudes and keeps asking the money to send it one after another.
Product: Debt collection

This debt does not belong to me. The collection agency J H Portfolio told me that this item has been removed from my credit report But, XXXX says they have not. I would like them to provide proof that this item has been deleted from my file.
Product: Checking or savings account

On XX/XX/19, My checking balance was {$2100.00}. On XX/XX/19, two transactions ( {$32.00} and {$26.00} ) were posted to my account leaving a balance of {$2000.00}. A pending transaction was added to the account for {$2000.00} as of XX/XX/19 - this transaction is still pending. I saw a pending transaction for {$170.00} at that time, which, had it cleared, would have left a balance of - {$110.00}. At that time, on XXXX, I initiated a transfer from my other bank for {$150.00}, which should have left a balance of {$39.00}. 

Instead, I was charged {$36.00} each ( total {$72.00} ) overdraft fees for the {$32.00} and {$26.00} transactions. My {$150.00} transfer in and the transaction of {$170.00} both cleared on XX/XX/19. As the balance was now negative due to the {$72.00} in overdraft, I was charged an additional overdraft on XX/XX/19. The {$2000.00} is still a pending transaction and is set to post today ( online bill payment which was initiated for XXXX ). 

The bank, BB & T, agreed to waive the final overdraft fee " as a courtesy '' but refused to acknowledge that their creative accounting was the reason for any overdraft fees in the first place.
Product: Mortgage

I have been trying to refinance my personal home ( as a result of a divorce ). All documents were fully submitted on my end and the only thing outstanding was a CEMA request to my current mortgage company ( XXXX XXXX XXXX ) made on XX/XX/XXXX. This CEMA request represents a significant savings in money of nearly {$15000.00} which I need as a recent divorcee with 2 children. After having no word from XXXX XXXX for 2 months, I called the company to learn nothing had been done to fulfill the CEMA request on their end and I was told that the request would then be expedited. That was two weeks ago. Now we are learning that XXXX XXXX claims to not have certain required documents ( the original mortgage note ) ( that they should have received from XXXX XXXX  XXXX upon acquisition in XXXX. This note is necessary to complete the CEMA request. This is unacceptable. This has cost me in time and potentially money. I pay my mortgage every month, the least XXXX XXXX can do is manage the documents related to my loan. It's precisely this kind of business practice that was at issue in the mortgage loan crisis.
Product: Student loan

This account is being reported as 90 & 120 days late on my credit report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). I would like for you to investigate the late payment history and prove to me that in fact was delinquent on the date reported. It is the responsibility of the furnisher to report accurate information per Section 623 of the FCRA and it is the responsibility fo the Credit Bureau to hold them to those standards
Product: Checking or savings account

Chime has failed repeatedly to refund my disputed transactions with no valid reason. I have been fighting for months to get my money returned, that never should have been taken to begin with. They continue to take excessive time " investigating '' my disputes, and denying them without a valid cause. I provided proof of merchant service cancelations prior to debits, and still dispute denied. They are supposed to resolve in 45 days, but have drug my current dispute over 60 days as of now. They refuse to give updates, escalate, or give a customer any recourse for resolving issues. After over 60 days, they approve some and deny some transactions, from same merchants, often on same day. XXXX transaction appoved from a particular merchant on a day, yet another transaction from same merchant, same day denied. They finally provided me with documentation used to determine results, and there is zero documentation for al.ost all of the denied transactions. Now they will not allow me to reopen my dispute until the temp credit is paid back, yet credited my account with a total of less than half of disputed amount. And, as soon as a credit was issued, the same merchants who are supposed to be blocked, instantly debited my account AGAIN and they refused to allow me to open a dispute. I need regulatory help with this situation.
Product: Credit card

I recently got a credit card from citi bank. After using the card on XX/XX/XXXX I then had my card flagged for fraudulent activity. I called the company and gave them my code word for the account and apparently got everything cleared up. Went to use the card again and still could not use it. Then the next time I called citi to solve them problem they said they could not verify my identity when I had given them my social security number, email on file, the code word to my account that no one knows but me. I called multiple times and asked to speak to a supervisor but they still insisted the only way to verify my identity was to send some letter in the mail to the address I have on file. They said this would take XXXX business days to receive. I told them this was unacceptable in the society we live in today to have to wait this long to use the card. They still insisted this was their policy and did nothing to help me.