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

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unauthorized and inaccurate credit inquiries appearing on my credit report. These inquiries were made without my explicit authorization, in violation of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. I request immediate investigation and corrective action against the entities responsible. 

Legal Basis for This Complaint : 15 U.S.C. 1681, Section 602 ( a ) : This provision establishes my right to privacy, affirming that consumer reporting agencies must respect the confidentiality of my personal credit information.

15 U.S.C. 1681b, Section 604 ( a ) ( 2 ) : This section states that a consumer reporting agency can not furnish a credit report to any third party without my explicit written authorization. The unauthorized reporting of my credit data constitutes a direct violation of this law.

15 U.S.C. 1681c ( a ) ( 5 ) : This section mandates that no consumer reporting agency may include adverse information in a consumer report older than seven years, except for criminal convictions. Reporting outdated negative information is a clear violation of this provision.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : This law explicitly prohibits any entity from furnishing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The presence of erroneous or unauthorized accounts on my credit report suggests non-compliance with this legal requirement. 

Details of the Unauthorized Inquiries : 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 XXXXXX/XX/XXXX Request for Action : Given the above, I request the following : An immediate investigation into these unauthorized inquiries and enforcement action against the entities responsible. 

A directive for the credit bureaus to remove these inquiries from my credit report. 

A written response from the CFPB detailing the results of your investigation and any actions taken. 
Failure to address this matter may result in further legal action. I trust that the CFPB will uphold my consumer rights and ensure compliance with federal regulations. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Mortgage

Hi my Name is XXXX XXXX and my XXXX XXXXXXXX in XXXX in XXXX I was offered a forbearance for Covid after that Mr. Cooper refused any payments and tripled my payment amount and wanted a lump sum of XXXX $ would not take partial payments it went from XXXX $ to XXXX $ the house was in probate till XXXX so I could not get insurance until house was in my name could do nothing to change anything they put Forcloser on hold but now I am trying to do a loan modification it was a XXXX $ loan that had been done in XXXX by my Mom I paid it down to XXXX $ until Covid hit then twice they raised amount and would not accept any less money My Income is XXXX $ a month so XXXX $ I could handle but now they want XXXX $ a month I only get XXXX $ a month on XXXX Payments a Month try still refuse to take any amount of money and now there saying I owe over XXXX $ I am so upset and confused how they could do this to me
Product: Debt collection

I previously submitted a complaint ( see XXXX ). CAINE & WEINER put a collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. CAINE & WEINER did not provide proper validation of the debt. If CAINE & WEINER is unable to provide the above identifying account information, this account must be deleted from all CRAs. CAINE & WEINER also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from Macy 's XXXX XXXX that my account was past due, I called and explained that I had not used my Macy 's card in years and the number on my card didn't match the number on the account they had. They started a fraud claim on XX/XX/22 and stated it could take up to 3 months for the investigation to be completed and that I would not need to do anything until I heard from them. I then checked my credit report and they had reported me to the credit bureau which negatively affected my score while trying to refinance my house. They then mailed me 3 new Macy 's XXXX XXXX cards all with different account numbers, I called and they cancelled all 3 cards.
Product: Credit reporting or other personal consumer reports

I have inquiries reporting on my credit on the dates of XX/XX/XXXX and XX/XX/XXXX from flagship. I had to freeze my credit due to inquiries kept appearing.
Product: Credit reporting or other personal consumer reports

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system 15 US Code 1605 " Definition of a FINANCE CHARGE '' OFF OFF XXXX XXXX Truth in Lending Act Regulation Z 15 US Code 1662 Advising of down payment and installments 15 US Code 1635 Right of Rescission The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i pulled my credit report and notices a lot of errors and incorrect information reporting. I disputed the errors stating all the differences in the reporting which was confusing because the FCRA Act i read said that your report should be 100 % accurate and metro 2 stated it must be confirmed true and correct. I asked for a investigation because not only were accounts on my report unbeknownst to me but they were reporting addresses and names and collections and charge offs with past due amounts, or charge offs reporting monthly, i read that those accounts were inaccurate. 
I reported a few of them to the FTC and my report is connected including XXXX XXXX XXXX XXXX XXXX Please look over my report and remove the inaccurate information.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accoiunts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting or other personal consumer reports

In XXXX I became aware of a credit card account apparently with XXXX XXXX XXXX. I contacted the credit bureaus and submitted all the necessary documentation to them. I also requested the following information from XXXX XXXX XXXX : 1 ) Documentation of the name of the original creditor as well as the name of the current creditor or owner of the debt. 2 ) Last account number with the original creditor. 3 ) A copy of the signed contract, signed application, and any other documents providing evidence of of my liability for the debt and the terms of the debt. 4 ) The date that the debt was incurred. 5 ) The date of the last payment. 6 ) An itemized accounting of the amount claimed to be owed, including the amount of the principal, the amount of any interest, fees, or charges, and whether the charges were imposed by the original creditor, a debt collector, or subsequent owner of the debt. XXXX XXXX XXXX has failed to provide any of the above requested information which has been requested more than several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts that aren't mine on my credit report. Please remove them immediately.
Product: Debt collection

I made a settlement agreement with CREDIT CORP SOLUTIONS that if I paid {$300.00} of a {$490.00} balance for a debt owed that once the payment cleared they would contact the credit bureaus to have this debt removed and any history from my credit reports within 30 days. 

The payment cleared in their system on XX/XX/2021. Today is XX/XX/2021, I have called them about 3 times over the past 7 days. Only to be told that I still have to wait before they contact the credit bureaus because it takes 45 days which is not what I was told in the beginning. I called again on XX/XX/2021, and spoke with a rep. named XXXX, she tells me it takes 30 days and the 30 days have not started yet. It was reported to the credit bureaus that I owe a balance of {$190.00}, which is supposed to be cleared as per our agreement. 

I recently refinanced my vehicle and did not get the rate I deserved because this debt is still on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries that was not made by me or authorized by myself could be related as fraud XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2020 Cross country Mortgage XXXX XXXX XXXX Cross Country Mortgage XXXX XXXX
Product: Debt collection

I received a phone call from Fairway Capital Recovery and I told them that I can not receive phone calls during work hours and requested them to call me at a more suitable time but they refused. I then asked them to email me the information about my debt. They did not do so. They did not send me any written communication so I was clueless about what the debt was about. I was not informed of my right to dispute or how I can contact them. They are not even available to take calls outside my work hours so I can not call them and speak to an agent effectively either. 

They then flagged my credit report for " Collections '' and all this while I have had no success hearing any useful information from them even after explicitly requesting it. 

I even filled out the " Contact Us '' form on their website requesting this information and also called them asking them to email me which they did not do again. 

They don't list an email on their website intentionally making it difficult to contact them. But they did not respond to the contact us form I filled on their website either. 

I believe them flagging my credit account was malicious and they have not fulfilled their duties and obligations around clear and useful communication surrounding this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

There are inaccurate accounts on my credit report and I need your help removing those so please check the documents I've sent
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my XXXX credit report. Two addresses where reported, I have never been to or lived at. XXXX .... I called bank of America, after 3 hours, I had enough! I filed a complaint with the BBB. I just got a response from b of a that says to call the credit bureaus! B of a reported these address! Th credit bureaus say call them, they say call someone else! Sick of all of you! I hate people ... ..
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

Transunion is reporting an account that I have explained was fraud. The account that is listed as XXXX XXXX {$500.00} does not belong to me. This account should be deleted. Please delete this fraud account being reported in my name.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX, XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Dear CFPB, I am writing to formally submit a complaint regarding violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion. I recently reviewed my credit report and noticed that my positive Auto Loan account with XXXX XXXX XXXX has been deleted from my TransUnion credit report. This account is accurately reporting to XXXX, XXXX. 

After contacting XXXX XXXX XXXX customer service, ( XX/XX/year> they informed that they reported to all three credit bureaus XXXX, XXXX, Transunion every month. However, Tranunion has failed to accurately reflect this information that they deleted from my credit report. 

Furthermore, TransUnion has violated 15 U.S.C. 1681 ( a ), which pertains to the accuracy and fairness of reporting. I did not provide Transunion with oral or written consent to pull my credit report, and this action has adversely affected my credit history by shortening it, this account needs to be put back on my credit report. 

I kindly request that the CFPB intervene and compel XXXX to restore my XXXX XXXX account to my credit report. Thank you for your attention to this matter. 

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

This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

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

XX/XX/2020 I filled a dispute they removed from one credit report but not the others two. Cnac its causing me not to be able to get a job of employment because false repo on my records I ask the car people to pick car up do too not having a job I was on workers compensation. They still put this vehicle on my credit report and they arent responding to disputes are anything only removed it from one.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Closing Date : XX/XX/2014 Liability : {$0.00}.
Product: Checking or savings account

I have applied for a loan from a XXXX XXXX  over the phone in which I was connected with a loan agent that would be able to assist me. We both went through the logistics and procedures of obtaining the loan. During the process, I authorized and consented my lending agent to have access to my account in order to make incremental loan deposits to my checking account. We both went through the thorough and specific process together as my agent assisted me with the loan deposits. They explained to me that by sending these incremental deposits for me to return and send to their agents for verification through the XXXX  feature, they were trying to see if they could expand my credit on their behalf to issue me my loan through direct deposit. I was advised over the phone that by being sent these temporary " test deposits '' and returning them through various contacts of which are their loan officers for verification, they wanted to determine if Citibank would consider these transactions fraud or suspicious. This process went on for a few days until I finally contacted Citibank to ask why my account has been blocked and I wasn't able to access my checking account online. They directed me to the fraud department and connected me with a representative who was incompetent enough to explain to me VAGUELY why they decided to close my account without any warnings, notifications, and communications regardless of how much I told them that my activities were of my own responsibility and that I give consent to my lender to have access to my account, as the citibank fraud representative nonchalantly and brainlessly responds back to me with how it's one of their policies to not disclose any information on reasons why they think those deposits were fraudulent. I tried everything in my power to negotiate with them and explain how important it is that they would unblock my account so I can have access to my attached credit cards, but it was too late since they impulsively decided WITHOUT MY PERMISSION to close my account anyway. They were stubborn and reluctant to explain to me into detail of how they would determine if the checks were " invalid '' after reviewing them very late and refusing to explain to me ( a customer ) why it's a " scam '' because it's one of their policies not to " disclose '' that information. Afterwards I contacted my independent freelance lender to confirm if every process we went through over the phone was legit and they indeed acknowledge that. They were willing to offer me solutions to lend me money alternatively instead through XXXX XXXX, since my checking account had been blocked and deferred for CLOSURE by decisions made on behalf of the Citibank fraud department. 

I've my had one of the many worst customer service experiences ever with Citibank and I seriously think the CFPB should do an investigation into their company for authenticity.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information on my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX XXXXnd all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make 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. 

XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

This is for Truist Bank who merged with SunTrust. I noticed that I was being charged 36.00 fees with an available balance. This has happened over 6 times. I went online and made a phone appointment twice.No one called. Finally went into a branch. The rep was very nice. She stayed she could see where I was charged multiple fees with an available balance for a while..but they were coded something else. She called Corporate who states that a manager has to review and refund my account. There was no manager available. Rep says manager is away for 3 weeks. Horrible merger. These fees caused a trickle down effect causing more overdrafts. Online banking is horrible. I just want the fees back from the last 30 days. I am fighting XXXX and I can not continue being charged these fees due to bank errors.