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 account below has violated my federally protected consumer rights to privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXX 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 1681Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer report an 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 enter dates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX, XXXX  and Equifax to remove erroneous bankruptcy information from my credit report multiple times. Nothing has been done. There is a chapter XXXX that is being reported with the incorrect middle name because it was filed with the wrong information. I would like for it to be removed.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, XXXX Last XXXX XXXXXXXX XXXX XXXX XXXX XXXX ... ..-partial acct number. 
To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit repor You are reporting a late payment on XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 and XX/XX/23 on the account ( XXXX ) .and accordance with the fair credit act # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

XXXX  15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX  consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX  EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. 
After doing so please provide me with an updated reflecting the changes. 
Best Regards, XXXX XXXX
Product: Credit card

The company took my information in 2019 from a Walmart Store Card and put me on a platinum with different rates without informing me. The interest is inconsistent and constant
Product: Credit reporting or other personal consumer reports

I recently looked at my credit XX/XX/year> I saw some inquiries that did not have permissible purpose. 

1. XXXX XXXX XXXX XXXX XXXXXX/XX/year> : this inquiry has no permissive purpose on my report. Delete this inquiry due to violation of 15 US 1681B 2. ( XXXX XXXX XXXX XXXXXX/XX/year> : this inquiry has no permissive purpose on my report. Delete this inquiry due to violation of 15 US 1681B 3. XXXX XXXX XXXX XXXX XXXXXX/XX/year> : this inquiry has no permissive purpose on my report. Delete this inquiry due to violation of 15 US 1681B 4. ( XXXX XXXX XXXX ) XX/XX/year> : this inquiry has no permissive purpose on my report. Delete this inquiry due to violation of 15 US 1681B 5. ( XXXX XXXX XXXXXX/XX/year> : this inquiry has no permissive purpose on my report. Delete this inquiry due to violation of 15 US 1681B 6. ( XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> : this inquiry has no permissive purpose on my report. Delete this inquiry due to violation of 15 US 1681B 7. ( XXXX XXXX ) XX/XX/year> : this inquiry has no permissive purpose on my report. Delete this inquiry due to violation of 15 US 1681B
Product: Debt collection

I had service with XXXX XXXX  XXXX, I turned in all equipment and cancelled, but during that time XXXX XXXX   switched to XXXX. I never received any other communication either from XXXX XXXX  or XXXX. 

I noticed a new collection on my credit report from a company named Waypoint Resource Group, I contacted them via USPS in 2 different times asking for an itemize statement of bill they are collecting but never received a response. 

I disputed the account to the credit bureaus since I have not received any initial notice or bill from this collection agency or XXXX XXXX, they " verified '' the account but that do not make sense since the collection agency do not response the mail. I don't know what is the reason of this bill. I want to know what they are collecting and why XXXX XXXX  never contacted me before they sent the bill to a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) - I contacted XXXX XXXX XXXXXXXX on XX/XX/XXXX to discuss a possible settlement offer on the outstanding balance of {$2200.00}. After several conversations during the day we arrived at a settlement of {$1200.00} payable at the time of the conversation. The account rep took my credit card payment over the phone as well as mailed a letter stating the account was paid in full. XXXX proceeded to report the payment to the credit bureaus but failed to report the account was paid in full and no further payment is due as a result of a settlement. 

Once I reviewed my credit report and noticed the information was incorrect I disputed the balance due with the credit bureaus on three separate occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) as XXXX continued to provide incorrect information. As it stands today XXXX shows an amount due of {$1000.00} and Transunion shows an amount due of {$2200.00}, although both credit reporting agencies were provided with the attached documentation advising the matter in collections was resolved via a settlement on XX/XX/XXXX. 

I am requesting your assistance with getting this matter resolved to reflect the correct information on my credit report.
Product: Debt collection

Ive already disputed it with them from portfolio recovery from XXXX XXXXXXXX it was fraud back in 2012 someone got a credit card in my name and they knew it was fraudulent Ive been sending them correspondence back-and-forth they just sent me a fraud affidavit Ive been dealing with this since 2012 and they just dont want to take it off my credit report off of my XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to first XXXX XXXX XXXX and Experian about the NON REPORTING OF TWO PAID OFF AUTO LOANS. 

I have attached pay off letters, emails from the supervisor at XXXX who explained they have reported my information to be posted on my credit report but yet it is not showing. By federal law the credit bureau and financing companies can not withhold the reporting/credit of financial obligations ( auto loans ) from being posted on my credit report.

PLEASE HELP ME GET THESE TWO PAID OFF AUTO LOANS THAT ARE POSTED N MY XXXX  AND XXXX  REPORT TO ALSO BE REPORTED TO MY EXPERIAN REPORT.
Product: Credit reporting or other personal consumer reports

They are not investigating the errors or the fraudulent XXXX account that has been reported on my credit report. I have been supplying documentation showing that the account is fraudulent I will take action to sue this company fit failing to properly investigate disputes.
Product: Credit reporting or other personal consumer reports

I have repeatedly requested my consumer file online and by mail and have not received it. I am trying to review it for erroneous information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your intervention regarding an ongoing issue with **Experian** regarding disputes I filed with them concerning accounts on my credit report. These disputes are directly linked to inaccuracies that arose due to the **XXXX  data breach**. Despite Experians assertion that they have verified the disputed accounts, they have failed to provide **certified copies of legal documentation** supporting their claims of verification.

The Fair Credit Reporting Act ( FCRA ) requires that when a credit reporting agency ( CRA ) claims to have verified disputed information, they must produce the **legal documentation** or other verifiable records that substantiate the accuracy of the information. Hearsay or internal data verification alone is not legally sufficient, and I have made Experian aware that such hearsay does not meet the evidentiary standards required in a court of law.

I have given Experian ample time to provide certified documents or remove the inaccurate accounts, but they have failed to do so. **Under FCRA Section 611**, if a disputed item can not be verified with proper documentation, it must be removed or corrected from the consumers credit report. Experians failure to comply with this legal requirement should result in the removal of the following accounts from my report : 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 I request that the CFPB demand Experian take immediate corrective action by either : 1. Providing the legally required documentation that verifies the accuracy of these accounts.

2. Removing or correcting the accounts as mandated under the FCRA.

Experians lack of compliance with FCRA regulations is a serious breach of consumer rights, and I respectfully ask for your assistance in ensuring that these inaccurate items are removed from my credit report as required by law. Please confirm receipt of this letter and provide any additional steps I need to take to resolve this issue.

Thank you for your time and assistance in this matter. I look forward to your prompt response.
Product: Credit card

In XXXX Chase credit cards had an offer for their XXXX XXXX credit cards where if XXXX spent {$400.00} at the site XXXX the consumer would receive {$200.00} back within 14 days if you made the purchase by XX/XX/XXXX. 

I activated the offer to my card in early XXXX and then made a purchase totaling {$450.00} on XX/XX/XXXX. The purchase was broken in to XXXX charges by the merchant as it was shipped from different warehouses. Per the XXXX & XXXX of the offer I called Chase to inform them of this. I was told they could see it on their end, that I activated the offer and I would qualify but had to wait for the 14 days. 

After 14 days when no credit was received I called Chase again to inquire about the status. The second representative noted they too could I see qualified and was unsure why it was not credited and would submit an escalation ticket and I would hear within 10 days. Those 10 days elapsed with no communication from Chase. 

On XX/XX/XXXX, I called to inquire again and the representative noted I had to wait until the beginning of XXXX seek a resolution as she believes there is a backlog of people with similar tickets on this order. When noting that would be close to 90 days since purchase versus the XXXX she noted that is all she could do. When I asked to speak to a supervisor she informed me she was the supervisor. When I asked to speak to her boss she noted she was the highest level I could speak to on this issue. I then noted I had another issue to discuss when I was placed on hold and then disconnected after XXXX minutes. 

With the above said, I still have no clarity on whether my account will be credited with the {$200.00} offer as promised for spending. Without this offer I likely would not have made the purchase and believe the offer should be honored and ask for expediency in a resolution rather than an additional 45 days.
Product: Credit reporting or other personal consumer reports

I kindly request that you conduct a thorough investigation into the matter and, upon verification, promptly remove these inaccurately reported business credit card accounts from my personal credit report. Furthermore, I ask that you provide written confirmation of their removal and update my credit report accordingly. I am aware of the legal rights and protections afforded to consumers under the FCRA and ECOA. I hope for a timely resolution of this matter and anticipate that you will take appropriate steps to rectify this situation as required by law. 


XXXX XXXX Date openeed, No. of months ( terms ), last reported date, and date of payment are all inaccurate or incorrectly reported information to all XXXX major credit bureaus. 

I have disputed this account XXXX times, and the credit bureaus claim that the information was verified, which is far from the truth. I want this account deleted from my reports because this is a clear violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/items information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting 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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 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: Mortgage

Loan servicer is Bayview. I 've been in my home for 12 yeasts, & Bayview has been the servicer for several of those years. I have had a modification done, but my loan balance is just as much as it was when I purchased the loan. When they received the loan, the balance was almost {$10000.00} less than it is today. The interest rate is still 3.00 %.
Product: Debt collection

IQ International suddenly appeared on my XXXX XXXX report, which I check weekly, in the amount of {$1900.00}. 
They never sent me a letter or phoned to say this was owed. 

Apparently, this stemmed from an apartment that my significant other, XXXX XXXX, and I moved into with XXXX  XXXX XXXX in XX/XX/XXXX. When the covid flu became widespread, and XXXX  XXXX closed all the common amenities, they allowed us to move out in XXXX, XXXX. We would not owe any further rent upon rental to another family, they said, and in fact did rent to another family as of XX/XX/XXXX. XXXX XXXX employee, XXXX XXXX, who rented to us ( and received our keys upon departing ), sent us a letter dated XX/XX/XXXX verifying that the new renters were there as of XX/XX/XXXX. When the IQ collections contacted XXXX in XXXX, XXXX, she told XXXX XXXX who reiterated that we did not owe anything to them or any collections agency. In addition, they volunteered that they had dropped IQ International as a collection company due to so many complaints. IQ International continued to harass XXXX by phone and mail until late XXXX, when they apparently stopped when she complained to CFPB. 
Today, XX/XX/XXXX, I saw that IQ International showed up on my credit report ( I look at it weekly via XXXX XXXX as I'm working on getting my credit scores higher ). I have not been late on any bill for a number of years so this stood out. Please help me straighten this out as XXXX XXXX appears to be concocting a fake claim. Thank you, XXXX XXXX ( XXXX ) XXXX ( XXXX )
Product: Mortgage

On XXXX XXXX I applied for a loan with Interfirst Mortgage. I provided all the necessary documentation. The process seem to start off with no issues but it took them over 30 days to provide me with a loan decision. They did suspend my loan because I was refinancing my home I live in that my father left me last year when he died. I moved back to the midwest to the suburbs of XXXX to take a job that I do remote on certain days. Prior to my dad getting sick I would travel almost XXXX miles one way to get to work so i could assist him in his XXXX state. That was more important to me than the drive. I also had a roommate situation for those days in XXXX where I had to stay over for a meeting or client circumstance. I provided a copy of the lease to show them this, however all my financial statements, bills, etc were all pointed to my home in Wisconsin. After providing the lender with the documenation that this was my primary home they decided to denied me. I do understand that XXXX guideliens on a primary home. I do not currently own a primary home. I was not even given the opportunity to have the laon restructed as a XXXX home and until this day I have not gotten any written denial.
Product: Debt collection

Dear Scott and Associates Thank you for your response regarding my inquiry about the CFPB 's recent ruling on credit card late fees. While I appreciate your firm 's willingness to address my concerns, I must clarify my position regarding the applicability of the Credit Card Penalty Fees Final Rule. 

You mentioned that the rule, issued on XX/XX/year>, has been stayed due to ongoing litigation. However, I believe it is essential to consider the implications of this ruling and the public interest it represents. The CFPB 's efforts to regulate late fees reflect a growing recognition of the financial burden these charges place on consumers. While I understand that your company suggests that the rule is currently not in effect, it signals a potential shift towards fairer practices in the credit industry. 

I would like to emphasize that consumers have a right to advocate for fair treatment, especially in light of regulatory changes aimed at protecting them from excessive fees. My request for a reconsideration of the late charges applied to my alleged account is not solely based on the current status of the rule but also on the principles of fairness and accountability that underpin the CFPB 's mandate. 

I remain committed to resolving this matter amicably and hope we can find a practical solution that acknowledges the evolving regulatory landscape and my concerns as a consumer. I look forward to discussing this further and appreciate your attention to this matter. 

Best regards, XXXX XXXX
Product: Debt collection

Is the second time in 5 years that I received a collection letter from a collection company which is trying to collect money for XXXX company that I never had any business with them. 
I call them to dispute it and they said I had to fax my claim. I tried to fax it 3 times and their fax is n't working. 

I will include their original letter and the answer I tried to fax for. them
Product: Checking or savings account

My business checking account with Citi Bank was closed with 30 day notice by letter. The letter stated XX/XX/XXXX was the last day the account would be active. No other information was given as to why the account was so promptly closed and without other communication. 

Before the account was closed ( XX/XX/XXXX ), I called to see if this was a mistake and found it was not. I was told the account was closed due the amount of cash being deposited on the account. I asked if I could write a check for the balance to clear the account and was I told I could as long as the check was cashed on or before the XX/XX/XXXX. 

I wrote a check for the balance on the account and it was cashed XX/XX/XXXX. I found out the following Monday the check had bounced despite what I was told by the banker on the phone. I again called Citi and was told even though the check had been cashed on the XX/XX/XXXX the bank to bank clearance didn't happen until the following Monday when the account was closed. At this point, I was told I would be sent a cashiers check for the $ 51,000+ balance on the account. It was also stated that if I went into a branch and answered some questions there was a chance I my account would be reopened. 

Next my business partner went into the branch to see if our account would be reopened and to see if we could get a cashiers check in person. The cashiers check in person immediately was important as we wanted those funds for business operations because we had written a bounced check to pay an invoice based on the misinformation the bank had told us. My business partner was told the account would remain closed and that a cashiers check had already been sent and would arrive to the business address in less than 10 business days. 

At this point we waited patiently for the check to arrive. The 10 business days came and went without the arrival of any cashiers check from Citi. On the 11th business day we called Citi and they said they didn't know where the funds were and there was an investigation. I was told to call a investigations number regarding the issue and give our case reference number to XXXX. I've called this number and left a message everyday with XXXX and I have not received a single call back. I've also called the customer support line several times and left messages with the branch and have not received a call back. 

This has been an incredibly frustrating and painful experience. As an emergency, I've had to personally go out of pocket to fund my business because we did not have the operating cashflow due to these missing funds. 

At this point my property has either been lost or stolen by the bank and I can't get anyone there to even give me a reply or straight answer regarding $ 51,000+ my funds I trusted to hold under their custody. Damages to my business continue to incur. What a nightmare! Please help recover our money!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX  XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$680.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Difficulty filing a dispute online with Trans Union they are repetitively reporting in accuracy is displayed on my credit reporting that needs to be fixed or removed immediately displayed