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

In accordance with fair credit reporting act. The list of accounts below has value my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account names : XXXX XXXX XXXX XXXX account number : XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX XXXX Account numberXXXX XXXX. Account number XXXX. XXXX XXXX XXXXXXXX. XXXX Account number : XXXX XXXX XXXX account numberXXXX XXXX XXXX account number XXXX . Has violating my rights. 15 U.S.C 1681! Section 602 A states I have the right to privacy .15 U.S.C 1681605 A section 2 : it also states a consumer report, and she can not furnish 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, 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 report agency if the person knows or has reasonable call to believe that the information is inaccurate
Product: Checking or savings account

I applied for Citi Bank Access Checking account online via Application ID XXXX on XX/XX/year> and my account application was approved on XX/XX/year> with Account Number ending with XXXX. Subsequently, a MasterCard debit card and PIN was delivered to my mailing address within a week. However while trying to activate the debit card and register for online access to my bank account using the Citi Bank portal, the access is continuously denied. On contacting the Fraud Department, I was informed that my account has Fraud Alert raised and insisting to undergo verification by providing a mobile number with matching name as per the public database. Please note that my name is not being reflected against my mobile number in public databases due to the connection being prepaid. I was blatantly denied any other verification options like phone, mail, video, fax, branch visits, etc. They have even denied account closure before pending verification. Citi Bank has highly discriminated me for not having postpaid mobile number and treated me unfairly by restricting access to my account by severely limiting the account verification options. Also, I am being made liable for paying account 's monthly fee despite of denying me to use the banking services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX is reporting inaccurate information to my credit report for the following account. 

XXXX XXXX XXXX - ACCOUNT # XXXX Inaccurate information : Late Payment ( XX/XX/XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX ) I have contacted both Credit Bureaus with request to " delete inaccurate information ''. The creditors response was they have " verified '' and " updated '' the information. However, according to my credit report, the information was never verified nor updated. 

Please see attached files photo copied ( Screenshots ) from their respected website on XX/XX/XXXX. It will show that the account has not been updated since XX/XX/XXXX. 

The creditors are in violation of my consumer rights under the FCRA 15 U.S.C. 1681 - U.S. Code in which the credit bureaus must report accurate, verified, and complete information. 

This violation includes negligence, willful noncompliance, and defamation inhibiting my ability to obtain credit.
Product: Mortgage

In XX/XX/XXXX, XXXX XXXX sold my mortgage to Freedom Mortgage. In XX/XX/XXXX, I noticed my mortgage insurance was applied 3 times in error. My normal monthly payment is {$38.00} and I was charged {$110.00}. In addition, my XXXX escrow analysis increased which lead me to research further. I found that the escrow analysis in included the incorrect mortgage insurance amount of {$110.00} but should be {$38.00}. I've called Freedom Mortgage serveral times to get the issue resolved. I've even spoken to managers about the issues. The managers made me aware that there was a technical error which impacted many customers and it will be resolved. In addition, I've written many messages through my portal to get it resolved and the responses that I've received says that they are still working on it. Until they've corrected the issue, my mortgage payment is increasing by {$200.00}. This is unacceptable and not a way to handle business. I plan to file a lawsuit against this company for negligence on my loan. Please contact me.
Product: Credit reporting or other personal consumer reports

Multiple letters have been sent to Transunion requesting a block of information resulting from an account that is not mine. Transunion refused certified mail on multiple occasions. 

USPS tracking : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX A letter with my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft and FTC Fraud Affidavit was sent. I sent via regular mail on XX/XX/XXXX. Account was deleted from my credit report. Federal law requires notice to reinsert account, no notice given and account shows as a " charge off '' and reinserted today without notice. 

I have contacted XXXX multiple times and was told the company requested deletion, please see attached. Account also lists that it was closed in XX/XX/XXXX and opened in XX/XX/XXXX. How did an account close four months before it opened? 

Transunion has not provided any proof this account is mine nor have they provided information as to how debt was verified. XXXX has not provided any validation of debt despite being requested via certified mail multiple times.
Product: Debt collection

on XX/XX/2018 i contacted american credit bureau, for a debt that was reported on my credit report. I sent them a letter saying that i was disputing the account. I never received a letter stating anything from this company. On XX/XX/2018, i sent out another dispute stating that they never verified the debt or sent any information and have failed to comply with the laws of the fcra for not sending me verification of any debt obtained with that company. I have been patient, but this is affecting my life and I want to get this resolved the proper and easiest way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXEquifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : 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 or other personal consumer reports

I have been with XXXX for several years, and have had a credit card with them for almost two years. I make all my payments on time, and paid by credit card down to {$1700.00} on XX/XX/XXXX. They still reported a super high balance to the credit bureaus which is incorrect, causing my credit score to drop by XXXX points or so. Please let the credit bureaus know to update my balance to the proper balance as shown below!!!
Product: Credit reporting or other personal consumer reports

An account with XXXX XXXX is reporting on inaccurately with XXXX, XXXX and Experian. The discrepancies in reporting includes the following : ( 1 ) Date Opened ; ( 2 ) Date Last Active ; and ( 3 ) Payment History. Account to my credit report, XXXX is not reporting a payment history ; Experian is reporting a repossession and XXXX is reporting that my account is in good standing. I have attached a copy of the account as it is recorded on my credit report.
Product: Credit reporting or other personal consumer reports

[ I recently reviewed my crodit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencips have need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( insert date Always add month and year ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt
Product: Credit reporting or other personal consumer reports

Experian is reporting inaccurate information on my consumer report, and accounts that do not belong to me.

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

I would like for Experian to Re investigate the information they are furnishing on my report and provide me with names, phone numbers, and addresses of those they contacted to verify these alleged accounts that are on my account.

Also I would like Experian to send me a copy of my written permission to furnish information on my report. 15 usc 1681b- permissible purpose states : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas, XXXX ( XXXX ) XXXX XX/XX/2023 Dear TransUnion LLC, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( XXXX ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX XXXX Amount owed : {$1400.00} Account Number : XXXX I am disputing this claim due to : I HAVE NO KNOWLEDE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : Account Services XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the fair credit reporting act XXXX  account XXXX XXXX account # XXXX, has violated my rights. 
15 USC1681 Section 602 States I have the right to privacy.

15 USC1681 Section604 A Section 2 : Also states a consumer reporting agency can not furnish an 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 any purpose.

15 USC 1681 ( e ) b States the accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates. 
Im also requesting a 1099 c form all charge offs is income This account is inaccurate it was charged off three times but written off once
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) 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 address fraud on their 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 under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) 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 address fraud on their 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 under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

For years now I have been trying to work out loss mitigation options with the bank. 
Now I am now in foreclosure and there is a sale date of XX/XX/2022 I sincerely believe that the Bank / Lender are using the process to toll my account to build up fees interest and penalties to eat up the equity in my home and take my home from me. They are using my home as a cash register for Their benefit. 
Also the bank has committed fraud including counterfeiting to try and steal my home from me. See attached letter
Product: Credit reporting, credit repair services, or other personal consumer reports

To : SAFCO XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX From : XXXX. XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX Date : XX/XX/2019 XXXX : Courtesy Credit Inquiry Removal Instead of Fraud Investigation. 
Dear Sir or Maam, It is my third time writing a letter to your company. I recently conducted a review of my credit report, and I noticed SAFCO put several credit inquiries on credit report that I find to be problematic. 
I know they are not mine, and they are fraudulent, but I dont have ( 30 ) thirty days to wait on an investigation, which I know I will win. I need to remove these inquiries very soon so I can get my XXXX XXXX. loan for my house, please? 
I have no recollection of doing any business with your company in my life. I got an auto financed with XXXX XXXX, I watched the finance manager called this company, and I saw him send my application to this one company only. 
I contacted your company and asked you all to take action and get these inquiries removed from all three credit bureaus. Your employees assured me they would comply with my request and take whatever steps necessary to resolve this issue. It is my last result. 
I wanted to file this as well and make sure this gets done. 
I am begging your company. Please investigate this and have these inquiries removed at your earliest possible convenience. I am applying for another home mortgage this week. 
I would very much like to have the assurance my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings soon, and I am begging. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter, XXXX. XXXX XXXX
Product: Debt collection

Frequent calls from establishment to my personal phone, family, old work phone, and numbers outside of what was given to them in the written paperwork. Also has made calls outside of XXXX
Product: Credit card

My Complaint is regarding an extra {$12.00} charge that Target .com placed on my Target Credit Card when they sent me not XXXX pkg of XXXX XXXX Towels but XXXX pkgs of XXXX XXXX XXXX & I refused XXXX accept the Extra XXXX pkg from XXXX and the Paper Towels were Returned and was Received by Target Dock and sign by XXXX.Target has inform me that they wo n't refund the extra {$12.00} which I believe is illegal.
Product: Debt collection

I filed a complaint # XXXX previously and the complaint was closed because Continental Collection Agency lied and said my insurance company was billed and they denied the service stating I was responsible for the amount owed, and the complaint was a dispute of debt and not appropriate for CFPB. I maintained from the start I did not owe the debt, my insurance was never billed, and this was a mistake on someone's part. I received a copy of the denial from the insurance company and plain as day it states Claim not covered by this payer. The wrong insurance company was billed by XXXX XXXX back in XX/XX/2015. I was finally after many attempts and several notices later from Continental Credit Control able to reach someone at XXXX XXXX to explain they billed the wrong insurance. Continental Credit Control refused to talk to XXXX XXXX about this to verify the debt. Once I was able to get XXXX XXXX  to respond I was pulled out of collections, my insurance was billed, and today I received a check from XXXX XXXX for {$24.00} because I was over charged for my co payment for this date of service. As I explained in one of my complaints to CFPB, I have industry experience and had been in contact with my insurance and was clear I knew what I was talking about. I was getting no cooperation or willingness to try and understand from Continental Credit Control. XXXX XXXX would not return my call. I know Continental Credit Control probably paid a flat fee for a bucket of uncollected claims from XXXX XXXX. Some valid collection cases and some not. It doesn't give them the right to lie when you ( CFPB ) send a complaint to them, or to categorize complaints incorrectly to justify them, or to try and bully people into paying money they might not owe so they can recover their investment for the debt they bought. Attached is a copy of my correct insurance card that XXXX XXXX had from the start, along with copies of all the statements I continued to receive from Continental Credit Control, the insurance denial showing the claim was denied as not covered by this payer so you can see the Continental Credit Control Rep lied in a previous complaint response stating the insurance denied the service as the patients responsibility, and a copy of my refund check once by insurance was billed correctly by XXXX XXXX. Maybe in the future complaints CFPB can require credit agencies to show proof of what they're stating in their response.
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 15 USC 1681 for the Account # : XXXX, Account # : XXXX, Account # : XXXX, Account # : XXXX, Account # : XXXX, Account # : XXXX, Account # : XXXX, Account # : XXXX, Account # : XXXX The Credit Bureaus stated my account was properly investigated but how is that possible if the date last active is inaccurate, date of last reported is inaccurate, or opened/no closed date for written/charge offs. This grounds for removal as they have violated my rights under the following laws 15 U.S.C. 1681 section 602a States I have the right to privacy.

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

How can accounts be opened and written off/charged off at the same time?

15 U.S.C. section 605c a. section 1 : Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

Who was contacted during the consumer investigative report?

15 U.S.C. section 603e in which an investigative consumer report requires personal interview based on character, consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

XXXX The credit bureau did not provide an accurate investigation within 30 days as I have attached my certified mail tracking # XXXX XXXX XXXX XXXX XXXX Equifax The credit bureau did not provide an accurate investigation within 30 days as I have attached my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX The credit bureau did not provide an accurate investigation within 30 days as I have attached my certified mail tracking # XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery called me at XXXX in the morning on XXXX/XXXX/2023. I didnt answer. 

Portfolio Recovery called me at XXXX in the morning on XX/XX/2023. I didnt answer This is not on my credit report and is past the statued of limitations.
Product: Credit card or prepaid card

I paid off my BofA cards ( XXXX, XXXX, XXXX ) in XX/XX/XXXX with funds from my HELOC from XXXX XXXX XXXX XXXX. BofA received the funds and place a hold on the funds. They didn't notify me that the funds were received nor a hold was placed. I contacted them and was never told a hold was placed on the payment. I contacted XXXX XXXX and was told the fund clear on XX/XX/XXXX. We called on a 3-way call and confirmed the funds with BofA. BofA still didn't remove the entire amount only XXXX and still owed XXXX until XX/XX/XXXX, they wire transfer me the balance after several requests. After that, they closed all my accounts and label my account for money laundering. I had an XXXX score. They allowed me to pay off my balance, increase my credit lines use the account to consolidate my business, personal and do a real estate deal and then accused me of money laundering. I believed I was XXXX discriminate against without cause because of XXXX and XXXX last name. 

I called in several complaints of trouble signing to my account, My account had been hacked and I reported the email to XXXX. My account had been locked out several times they didn't help nor listen to me. They ruin my credit and I had to take more money from HELOC to pay down my limits to salvage my credit. They never explained to me the reason for the hold on my account. So I stop leaving my funds in the account. As of today I still don't understand the treatment I have received from BofA after 17 years during business with BofA. I am a licensed XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and retired XXXX XXXX and XXXX for CA and Nevada. I truly believe I have been discriminated against.