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

Recently, I did an investigation on my credit report and found several items in there to be inaccurate. 
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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 shalli ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I inquired about buying a car and the dealership said they would only run my credit for XXXX but they ran it thru multiple companies these are the Inquiries XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX A, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, OKLAHOMA XXXX XXXX, XXXX.
Product: Debt collection

On XX/XX/XXXX I mailed a certified with a sign receipt to Ally Financial XXXX XXXX  The company received my offer letter to settle a debt and I received my sign receipt back sign by someone from the company on XX/XX/XXXX. As of today XX/XX/XXXX I have not recveived any mail or phone calls regarding my settlement offer. I am requesting that this collection account with Ally financial be removed and deleted off my credit report. It has been over 30 days without a response from them.
Product: Prepaid card

My American Express card has been completely unusable for any transactions. It doesn't work for in-store purchases at retailers like XXXX, leaving me unable to make even basic purchases. Online purchases are also declined, regardless of the website or the amount. Adding the card to digital wallets like XXXX XXXX or XXXX XXXX has failed repeatedly, making mobile transactions impossible. Additionally, I cant even load my XXXX balance using the card, which further limits my ability to shop online.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I noticed there were negative items on my credit report that I was not aware of. At that time I started reaching out to TransUnion to determine what these items were and what documentation they had to put them on my credit report. 

XX/XX/2019 : Wrote to TransUnion to opt out of their arbitration process. No reply from agency. 

XX/XX/2019 : Wrote to TransUnion and asked them provide me with documentation to verify the account listed on my report in accordance with the FCRA. No reply from agency. 

XX/XX/2019 : Wrote to TransUnion for a second time and asked for documentation to validate the account on my credit report. I received a credit report with validated as correct on the negative items. Still no original documentation as requested. 

XX/XX/2019 : Wrote to TransUnion for third time and requested Method of Validation since the accounts were deemed valid. No reply from the agency and accounts are still listed on report.
Product: Consumer Loan

I can not believe the level of incompetence and lack of oversight by your agency, the auto industry is rampant with fraud and abuse against consumers. I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Owned and Operated bi XXXX XXXX and XXXX XXXX who were previous owners of XXXX XXXX XXXX and were shut down by XXXX prior to their bankruptcy and now they are engaging in the same fraudulent activities including straw buyers and phony income to sell cars to unsophisticated consumers which is a Federal Crime. there finance department is run by a felon, XXXX XXXX and they are taking advantage of thousands of consumers by not disclosing terms and bait and switching at the time of sale with high pressure tactitcs. I attempted to buy a XXXX Dodge Durango with no income or employment I was told not problem all I had to do was come up with {$1000.00} and it would be {$750.00} per month for 6 years, how can this be? I declined and they continued to harrass me, They have been doing this for years and your agency is turning a blind eye to the real problems and fraud being committed. If action is not taken I will be notifiying the NYS DFS, FBI, state and local news agencies and every outlet to expose their fraud and your incompetence at enforcing the laws, I trust this will be taken seriously and you look into this company and it 's owners before any more innocent people are harmed.
Product: Vehicle loan or lease

Ive contacted them in reference to my name having a suffix on the contract and my name doesnt originally have one so I feel as though it should be taken off my report
Product: Credit reporting, credit repair services, or other personal consumer reports

The account credit balance of my XXXX XXXX account was not being reported correctly in my credit report after I paid the balance down sigificantly. The payment should have had a positive effect on my credit score. I submitted a dispute with Transunion. but my credit score went down 19 points from a good to an average score. My XXXX  score also went down whereas my XXXX  score went up as was expected. Upon completion of the dispute investigation the balance information was corrected The credit bureau has not provided any explanation in my report for the negative change. This activity has had an adverse impact on my financial condition.I have submitted another dispute but I am now unable to add a consumer statement to my file while the dispute is in progress.Not sure why this is.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I know my debt was valid. It went to Nationwide Recovery Systems. I called them in attempt to pay my debt to get the collection off of my credit report. The representative told me if I paid today ( XX/XX/XXXX ), he could reduce my bill. I asked for a settlement letter. The man accepted my request and emailed a settlement letter indicating the reduced collection. I agreed, and paid the bill. I noticed today, that on the day after, XX/XX/XXXX, an additional {$400.00} was withdrawn from my account from the same company. 
I immediately emailed them saying I wanted my money back in a refund otherwise I would be taking further action. They would not respond to my email other than emailing back saying they wanted to call me. I refused, said email correspondence would be sufficient, and said I wanted proof of what they say to me via email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried a number of times to resolve this issue with the creditor Navient to no avail. They are reporting 6 late payments on each one of my 3 loans out of their office from the months ofXX/XX/XXXX - XX/XX/XXXX causing me to have 18 late payments reporting on my credit report despite any proof that I was in the repayment phase of my loan. According to official records obtained from the XXXX XXXX XXXX XXXX XXXX there is nothing to show that I was in the repayment phase for the period of time reporting late. On the contrary, the XXXX  documents show that I entered repayment XX/XX/XXXX and forbearance the very next month XX/XX/XXXX where my account status remained until XX/XX/XXXX when my account went into repayment status again. This information is verified and supported by my account activity pulled from Navient 's website ( which i have attached to this complaint ). Under Fair Credit Reporting Act Section 623 Navient has a responsibility to furnish accurate information, investigate claims of inaccuracies, and update information determined to be inaccurate. I have included an excerpt of the section of the FCRA that has been violated by the inaccuracies being reported by Navient. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
(
B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the ad- dress specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. ( 2 ) Duty to correct and update information. A person who ( A ) regularly and in the ordinary course of business furnishes infor- mation to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determi- nation and provide to the agency any corrections to that infor- mation, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/ I had submitted a dispute to Equifax and upon Equifax investigation the results came back accurate on XX/XX/. How can the results be accurate? When my whole payment history is missing on my XXXXXXXX XXXX XXXX  account on my credit report especially when this account is a Charged off account. Equifax have not done a THOROUGH INVESTIGATION and Equifax have not contacted XXXX XXXX XXXX. about this account so that it can be deleted. This account is not completely accurate as stated in your previous investigation. Therefore according to the FCRA and 15 U.S.C 1681 this account needs to be deleted immediately.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I must insist that you promptly eliminate any unsubstantiated assertions mentioned either above or below in your documentation. To be eligible to disseminate alleged information, you are required to satisfy the basic criteria. I categorically reject the legitimacy of any statements that lack verifiable evidence, even if they adhere to the requisite reporting protocols stipulated for certification. This includes adherence to the indispensable Metro 2 Compliance guidelines outlined by CDIA in their CRRG, which unequivocally declares that any departure from these norms poses a threat to the veracity of the data. Listed below are the Inquiries that are being challenged. 

XXXX - XXXX These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit. 

XXXX XXXX - XX/XX/year> These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit. 

XXXX XXXX - XX/XX/year> These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit. 

XXXX XXXX - XX/XX/year> These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit.
Product: Credit reporting or other personal consumer reports

I feel XXXX, Transunion and XXXX illegally obtained my public records without my authorization and illegally purchased a XXXX  XXXX bankruptcy bearing my name and all the adversed accounts included in that XXXX  XXXX from XXXX. I have consistently asked for them to delete all the unauthorized and unsubstantiated items from my credit report because those items aren't on my XXXX database. I have proof stating that XXXX and XXXX get public records from XXXX. Which therefore holds XXXX and XXXX XXXX responsible for illegally selling/buying public records bearing my name and for deletion of all adversed accounts that were listed in the XXXX  XXXX bankruptcy from all 3 of my credit reports. All by the LAW Must be Deleted from my credit reports Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've attached the updated evidence that clearly specify how XXXX XXXX obtains my public records. However recently that put that they retrieved them from XXXXXXXX XXXX  bankruptcy Clerk but that has been disproven. 

ATTACHMENTS
Product: Mortgage

Good afternoon, Please see attached communication with Bank Representative XXXX and email to underwriter dated Tuesday XX/XX/year>. 



My husband and I previously applied for a HELOC on XX/XX/year>. I forwarded all initial requested documents on that date. Additional documentation was requested and forwarded directly to the underwriter on my file on XX/XX/year>. 



I continued to check on the results of the application as you can see in the text thread below. In addition to the text thread I called the office of Truist bank several times. I spoke with XXXX who informed me XXXX was out of office on vacation. As a result of XXXX vacation XXXX was unable to give me any updates on my application. 



On XX/XX/year> I spoke with XXXX who informed me my application was denied due to not receiving the requested documentation. As a result of the application being over the time limit I would need to apply again. 



This unfortunate circumstance is to no fault of my own. Yet my credit has suffered as well as other endeavors I intended to use the funds for. My credit score dropped by XXXX points in XXXX due to the first application. With an additional application my score will continue to be damaged. My credit score should not be further impacted due to XXXX negligence. 



I have banked with Truist for over a year. We have several accounts with Truist. On my credit report there are over 4 inquiries from Truist Bank. The inquiry from XX/XX/year> labeled as Truist Bank has no justification for the request.

I am requesting the original application and credit score be used to determine my acceptance of the loan. My husband and myself have no issue with providing additional documentation on our income.

I feel like my husband and I are being discriminated against. We went in office to complete this application. 



Please expedite this matter and advise. 

Best, XXXX XXXX
Product: Checking or savings account

XXXX XX/XX/XXXX, I discovered that my Citibank account was blocked when I was no longer able to use my debit card. I tried to log in online and realized that I had been locked out. I called Citibank Customer Service and was told that my account had been blocked and would be closed. I was informed that I would receive a letter explaining the closure, or that I could call the XXXX Department or the XXXX XXXX Department. 
However, I never received any letter, and when calling, they did not give much informaion either. 
It is possible that my account was closed due to XXXX international transfers I made to my bank account in the country where I currently reside ( XXXX ). If that was the reason, I understand the banks decision to close the accountbut I still expect to receive my remaining funds. 
Since then, I have contacted Citibank several timesCustomer Service, the XXXX Department, and the XXXX XXXX Department. Each time, I was told that a check with my remaining balance would be sent to the rightful owner within XXXX  days. ( I assume I am the rightful ownerwho else could it be? ) I waited patiently, but I never received the funds. The answers I received from different agents were always the same, with no progress. So in XX/XX/XXXX, I decided to contact the Citi XXXX XXXX XXXX. Unfortunately, their answer did not clarify anything. They sent me : A letter dated XX/XX/XXXX, which I had never received. 
My XXXX and XX/XX/XXXX account statements ( the last one showing a {$0.00} balance ). 
A letter advising me to contact a Citibank XXXX. 

I contacted a branch, but they told me they could not assist me because the account had already been closed, and referred me back to Customer Service. When I called again, Customer Service told me to contact the XXXX XXXX the same loop once more. 

I have been without access to my money since XX/XX/XXXX. I do not believe this is fair treatment, and I am asking the CFPB to assist me in resolving this matter. I just want to know where my money is and how I can recover it.
Product: Mortgage

The loan was refinanced through Freedom Mortgage to lower my interest rate, I had the previous loan with them with no missed payments.My new payment date was XXXX XXXX which I thought was set on auto pay but there was a stop payment was added inadvertently for the old loan but somehow went to the new loan which was an honest mistake.When they contacted me about the payment, I would send it again.I did that three times before I went to the bank to see what had gone wrong.Before I could correct the problem Freedom Mortgage reported to the credit bureaus which ruined my credit.I am a service XXXXXXXX XXXX owned small business which credit score dropped XXXX plus points, just because of a small oversight, this may put me out of business, the money was in the bank.I tried several times to contact Freedom Mortgage but no answers.I did nothing criminal and there should be something some one can do.This is only 30 days and not 3 months or more.If I knew how insensitive Freedom Mortgage is, I would have not refinanced the mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT ACCOUNTS HAVE BEEN LINKED TO MY FILE THAT ARE NOT MINE THAT I HAVE NO KNOWLEDGE OF. I HAVE NEVER RECEIVED ANY GOODS OR SERVICES FOR THESE FRAUDULENT ACCOUNTS OR INQUIRIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, in accordance with the Fair Credit Reporting act 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