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

After making several calls to transunion and sending out several certified letters with the return receipts, regarding the following inquiries : 1. XXXX Fa XXXX 2. XXXX 3. XXXX 4.XXXX XXXX 5.XXXX XXXX 6XXXX XXXX 7XXXX 8.XXXX 9XXXX XXXX 10.XXXX XXXX XXXX XXXX they are reporting on my credit report. tRANsunion is reporting not yet proven compliant information. TransUnion has detailed on my credit report. Reporting several allegations of inquiries that have not been adequately verified in a compliant manner as mandated per the FCRA metro 2 reporting regulations, namely that they do not have verifiable proof or permissible purpose and the chicanery led to subterfuge is UNLAWFULLY injurious to my credit and reputation which is clear infringement of my consumer and civil rights. instead of marking dispute on these errors after sending 3 dispute letters instead Trans Union ignored my letter. I informed them that I did not authorize anyone employeed by the companies to make any inquiries and view my credit report. this is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. I requested that they remove the fraudulent inquiries from my credit report immediately that is maintain under my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX  Acct # 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 Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

The CRAs are willfully noncompliant with FCRA regulations. Ive informed them that this information is inaccurate to which they continuously update it as valid. Late payments are being furnished onto my consumer report, and pursuant to FCRA 15 usc 1681a ( 2 ) ( A ) ( i ) the consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. Im demanding for ALL late payments to be removed immediately and the accounts to be updated as PAID AS AGREED, NEVER LATE. Further more the Charge offs furnished onto my consumer according to the IRS publications are a certificate of indebtedness that must be removed immediately as this is income and income can not be reported onto the consumer. 26 CFR 1.61-1a THIS IS IN FACT VIOLATION OF MY PRIVACY ACCORDING TO THE PRIVACY ACT OF 1974
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, i filed a complaint with CFPB because XXXX closed my account for inactivity, My arguement was they really closed it because of the pandemic and financial crisis when it started and lied and used inactivity as a way to close the account.Well, I have new information that proves they lied.On XX/XX/XXXX i received a letter from XXXX dated XX/XX/XXXX that shows inactivity as one of the reasons.I opened this account in XX/XX/XXXX and last used/paid off in XXXX.My account was close in XX/XX/XXXX.I received a letter from XXXX dated XX/XX/XXXX and it states my account has been inactive for 18 months or longer.Because of there gross negligence, my credit score has dropped and has caused stress to me and my family.Please see all attachments
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have had my bank of america credit card ending in XXXX for year and have never been late. Bank of america sent me a letter on XXXX/XXXX/2015 that they are closing my personal account due to an issue with my business account. This has hurt me tremendously as my credit score has suffered due to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several letters to credit reporting agencies and creditors requesting to remove inquiries that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against timeshare XXXX XXXX. I've dealt with their employees whom I can't remember the names of, they have my ID during this time, they all claimed to not work on commission and to be something other than a salesperson. They told me I can definitely make money from this timeshare such as earning rental income, they said I can rent it out ; they also said it had some tax benefits or I can also make money if I re-sell it because according to them, the resale value would go up. Everything were just lies. They also lied about maintenance fees, they told me at some point that I will never have to pay maintenance fees again, convincing me that it was actually a good financial investment. They promised things would be positively different but each time things just keeps getting worse. I felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's my last chance at the lowest price considering the fact that the resale value would go up. They had me in the meeting longer than what they said it will be. It was supposed to be 45 minutes but it turned and cost me almost 3 hours of my vacation. I was never made aware of all the fees involved. I didn't know how to cancel, they never properly educated me regarding their cancellation process, like how many days to cancel and such. I even requested to cancel but never received help from them. This timeshare is just a financial burden that I really can't use, which was different from what they made me believe it would be, using false and misleading statements in order to convince people, it's just plain fraud. They lied and take advantage of people, coercing, convincing us with enticing unreal sales tactics. I was simply defrauded by them.
Product: Debt collection

The company XXXX ( XXXX XXXX XXXX ) claiming to represent the new debt owners ( United Holding Group ) began calling in mid XXXX ( XX/XX/XXXX ) to collect on this debt which is originally from XXXX XXXX. I spoke with several individuals who were claiming to handle the case with XXXX. At first, I wanted to clear this debt and offered the amount of {$1800.00} which I was able to pay at the time. They refused that amount and said they could only take {$2000.00}, The original reported amount was {$3300.00}. Before I went a step further after they refused my amount, I realized that I had nothing in writing from either UHG or XXXX showing that they owned this debt or was representing the owner of the debt. Phone calls continued from XXXX after my last communication with them turned unprofessional from one of their agents. After doing some research on debt collection agencies and my rights, I spoke with them on XX/XX/XXXX requesting a Debt of Verification letter before I continued talking with them. The individual then proceeded to verbally harass me and claiming I was using a stall tactic and that I made bad choices in the past and needed to be accountable for my actions. XXXX even confirmed my current address to me and as of today XX/XX/XXXX, I've yet to receive any documentation from either company. On XX/XX/XXXX XXXX contacted my employer and spoke with my manager and was verbally abusive with her and requesting salary information and other personal details that are not related to this debt. My Manager would not provide any information and the individual who called became extremely upset and hung up the phone. I have received numerous phone calls from XXXX throughout the same day on my personal cell and at work. I now receive voicemails from someone new representing this debt and using scare tactic verbiage, claiming they have a case number with my local county courts and they are pending processing if I don't call them back. I will not answer these calls due to them being abusive in the past and still not providing proof of the debt and/or ownership.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$900.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2400.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$1200.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$5100.00} XXXX - XXXX - XX/XX/XXXX - {$15000.00}
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : Its also states Consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Checking or savings account

On XX/XX/year> XXXX XXXX XXXX debited our account {$540.00} because of a credit card dispute which was decided in our favor. 

Shortly after the exact amount ( {$540.00} ) was taken out from our account for a second time on XX/XX/year>. XXXX never explained what the reason was other than Credit Card charge back. XXXX did not reveal any details about this charge back but we provided the service that the guest paid for. The {$540.00} were taken out from our account for no reason. 

Wells Fargo stated that they cant do anything about it. We did not authorize the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

EOSCCA Dispute Department Account Number XXXX The above referenced account was cancelled in XX/XX/XXXX and the balance of {$250.00} was paid to XXXX using my checking account on XXXX. 
I called XXXX several times to let them know the balance was full paid and I have the proof of payment on my Checking account statement. XXXX assured me that they were going to look in to the transaction and rectify the error and report is accurately to the credit bureaus. Now XXXX is telling me as of XX/XX/XXXX the account was sold to EOSCCA and they can not rectify the error. XXXX provided me the number for EOS and told me to contact EOS and have EOS correct the error. 
I called EOSCCA disputed the transaction and even sent them a written dispute letter.

I have not received any response from EOSCCA..

I have attached the screenshot of my bank statement as a proof of payment. 

XXXX is a pathetic company, you can XXXX and read XXXXXXXX XXXX Review, thousands of customer complaining about XXXX Malpractice, Collecting extra money from customer. 
I need this resolved and my credit report updated. 
Thank You
Product: Checking or savings account

I a writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Experian to remove inaccurate inquiries in my account over XXXX times in XXXX these Inquiries are unauthorized, illegal, and fraudulent, and are blocking me from obtaining personal and business credits and loans. 

XXXX XX/XX/2022 XXXX XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} ; XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$240.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$400.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX  XXXX Balance : {$400.00} XXXX XXXX XXXX  XXXX Balance : {$440.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX OF XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing thier job properly and it is effecting me a great deal as I used Paypal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Credit card or prepaid card

I signed up for an American Express Delta Gold card with a XXXX sign up bonus after the required spend. I met the required spend, Amex credited my account on my Amex statement for approx 72,000 miles, but has not transferred the points to XXXX. I have called Amex multiple times and have not been able to get Amex to transfer the points even though they are in my Amex account. 

I have attached a copy of the Amex statement which shows I have accrued the points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Early Warning Services , LLC, by phone requesting a copy of my consumer report. I explained to the customer service representative that all of the adverse information and bank checking accounts, listed on my consumer report is fraudulent, inaccurate and not my accounts or information. The representative used a XXXX slur against me, and told me I was a lying XXXX, and that nothing would be deleted from my consumer report because the fraudulent bank checking accounts and adverse information belongs to me. The representative used hateful, profane and abusive language against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card is not mine it is identity theft XXXX dollars XXXX XXXX XXXX identity theft for unknown amount and XXXX XXXX it was opened by fraud ive spoke to all 3 agency and they refuse to help so I want those 3 item off my credit report I have no knowledge of them and they refuse to help and these companies have no proof I opened anything in an otr driver please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to renort Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other 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 following 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 XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

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

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




XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I intend to dispute this directly with the credit reporting company. They mailed me a collection notice dated XX/XX/2017 that contained the 30-day validation notice ( as required by law ) for a balance that I was unaware was allegedly due from a medical procedure done last year. I immediately picked up the phone and called the medical office for an explanation. It appears to be an insurance issue. I disputed the amount but went ahead and paid the collection agency to prevent the account from being furnished to the bureaus. My next step was to write them a certified letter requesting full validation of the debt ( regardless of it being paid ). I got an alert from XXXX saying that a negative collection item had been reported by Credit Systems International , Inc. on XX/XX/2017, which was still within the 30-day window. I am demanding that this trade line be removed from my credit report immediately. I am in the process of refinancing my home and am being damaged by this. My next course of action is to hire an attorney and to sue them under the provisions of the Fair Credit Reporting Act.
Product: Credit card or prepaid card

In XX/XX/2020 I became a Covid-19 affected employee. 
In XXXX 2020 I missed a payment on my Comenity BankXX/XX/XXXX credit card account. 
I called the company and asked for a good-faith removal of my late payment due to my spotless 3-year on time payment history. They sent me a letter agreeing to remove the XXXX 2020 late payment. I have attempted several times to update the credit bureaus, however, the credit bureau states the creditor confirms the late payment information as accurate. I now can not get a mortgage based upon this reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my updated credit report, I see that the same account was erroneous. Experian and XXXX are required to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unverified information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$4700.00}
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment ON XX/XX/2020 FOR 30 DAYS LATE??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

I need help with being identified as a XXXX XXXX Victim. I have provided the documentation to substantiate my identity and the items that are the result of that XXXX  : I have provided As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) https : //www.consumerfinance.gov/