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

I the consumer XXXX XXXX is making a statement I noticed negative marks on my report TransUnion is reporting inaccuracies on my report however these accounts are closed, and the balances, and account type on my reports are inaccurate. ( ACCOUNTS : XXXX XXXXXXXX ) it shows on my report the account type : open, remarks closed, also the date closed shows XX/XX/2024, XX/XX/2024, and the balances on each of them are inaccurate. If theres a date which shows the account was closed how is the account type OPEN this is inaccurate information. According to the FCRA, any inaccuracies should be removed from consumer reports. U.S.C 1681b permissible purposes of consumer reports it states a consumer report may furnish a consumer report under the following circumstances and no other in response to the order of court having a jurisdiction to issue such order, child support, employment, and credit. Which means TransUnion is violating the FCRA. I ask for TransUnion to remove these closed accounts from my credit report which are in violation of the FCRA, and theyre affecting my credit worthiness.
Product: Credit card

XXXX XXXX, 2016 To Whom It May Concern : I 'm outraged US Bank debited my account {$570.00} without my authorization after a credit card payment! On XXXX XXXX, I completed an external transfer for {$300.00} and {$270.00} respectively to my XXXX US Bank credit cards. However I noticed my checking account had double posts from US Bank totaling {$1100.00}. Immediately I called and spoke to a representative and she confirmed there had been a mistake on their system and expect a refund in four days. I 've called three more times and spoke to several representatives that stated my money can be held for 17 days until returned! I have also left voice-mails to the special payment research department and have yet to receive a phone call back. This is unacceptable for my money to be held while US Bank makes interest for over a week! My funds need to be returned to my bank account immediately with interest! I 'm looking for a fast resolution and funds returned as soon as possible. 
XXXX XXXX XXXX
Product: Credit card or prepaid card

I had credit issued to this card from XXXX XXXX on XXXX for XXXX payment identifier XXXX ending XXXX Invoice # XXXX and on XXXX credit for order # XXXX {$64.00} + {$85.00} XXXX XXXX  # XXXX. My card ends in XXXX. Today is XXXX and the credits are still not showing up on my account. This has been 2 statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX  XXXX Bankruptcy / XXXX / {XXXX}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding multiple inaccurate and/or unverifiable negative accounts currently reported on my credit profile by Absolute Resolutions and the credit reporting agencies. These accounts are causing significant harm to my financial standing and opportunities, despite my repeated efforts to resolve the matter directly with the parties involved. They failed to verify that the information is accurate and verifiable per the FCRA. These inaccurate accounts violate my consumer rights and have led to unfair practices, including harm to my credit score and financial stability. It is in non compliance with consumer protection laws. The partied involved have failed to comply with the obligations under the FCRAS, FDCPA, and related federal statues.
Product: Checking or savings account

XX/XX/2021 I booked lodging reservations with XXXX. My trip was booked for XXXX and it was a total of {$690.00}. The agent at XXXX inserted my Name, Email and Mailing address incorrectly which was the reason why I never received a reservation confirmation. I contacted them and they told me I did not have any reservations with them. I contacted my bank -CAPITALONE to file a dispute. After XXXX days my dispute was denied because the vendor ( Getaroom ) provided them with documentation. I asked CAPITALONE to provide me with the documentation so I could review as well. Once I received the documentation I noticed my Name, email and mailing address information was incorrect and XXXX sent my hotel reservations to someone else. I asked capital one why did they accept this information if they new it was wrong and I was told well some of the information was correct. The only information thats as correct was my last name and phone number. I had capital one reopen my case and to investigate. They denied my case a second time and refused to look into it further. I filed a complaint over the phone and no one has called to address it. I also provided capital one with new reservations I had to make. 

Im not sure why and how Capitalone allowed the vendor to charge my card and the name and billing address did not match. The vendor did not provide a service and they took my money. 
Capital one refused to fight getaroom and assist me with this matter because of the terms and conditions getaroom has. 

Capital one should be held accountable for allowing the vendor to commit fraud. 

I had to submit a claim with the XXXX XXXX XXXX and XXXX XXXX has decided to give me a full refund. But Capital One shouldve helped me XXXX for the money they allowed them to XXXX!
Product: Debt collection

Additionally, I noted that my credit report is adversely reflecting the following accounts : FUTURE HEARINGS Case Information I Register Of Actions I Future Hearings Party Information None Case Information I Register Of Actions I Future Hearings Party Information Parties Plaintiff : CAVALRY PORTFOLIO SPV : # XXXX**** I LLC AS ASSIGNEE OF XXXX XXXX XXXX XXXX XXXX XXXX

Defendant : XXXX XXXX XXXX   AKA XXXX XXXX Attorney for Plaintiff : XXXX XXXX XXXX  

Case Information I Register Of Actions I Future Hearings Party Information XX/XX/XXXX DISMISSAL WITHOUT PREJUDICEFILED FOR THE ENTIRE ACTION AS TO ALL D EFEN DAN T ( S ) AND ALL CAUSES OF ACTION ( S ).

XX/XX/XXXX SERVICE RE : SUM M ONS AND COMPLAINT RETURNED NOT FOUND/NO SERVICE AS TO ( XXXX, XXXX ) AKA ( XXXX, XXXX ) FILED. COSTS OF {$60.00}.

XX/XX/XXXX OSC H EARING XXXX XXXX XXXX XX/XX/XXXX AT XXXX XXXX, IN DEPARTMENT SEY. ORDER TO SHOW CAUSEHEARING SIGNED AN D FILED BY XXXX XXXX XXXX, JUDGE TO SHOW WHY SANCTIONS SHOULD NOT BEIMPOSED FOR FAILURETO FILEPROOF OFSERVICE AND FAILURE TO FILEDEFAULTJUDGMENT PURSUANT TO XXXX XXXX XXXX   CERTIFICATEOF MAILING FILED.XX/XX/XXXX COLLECTIONS CASE COMPLAINT FILED PURSUANT TO XXXX XXXX. XXXX XXXX. Filing Fee : XXXX XX/XX/XXXX SUMMONS ISSUED.

XX/XX/XXXX SUMMONS FILED.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and removal due to inaccurate reporting in my file. 
XXXX  XXXX XXXX XXXX XXXX / XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am writing to formally file a complaint against Equifax for their willful negligence in adhering to the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ). My complaint centers on Equifaxs failure to block the reporting of information resulting from identity theft, as mandated by the law. 

On XX/XX/XXXX, I filed an FTC Identity Theft Report, along with a dispute confirmation for XXXX XXXX ( Confirmation # XXXX ). A duplicate of this dispute was submitted on XX/XX/XXXX ( Confirmation # XXXX ). Additionally, I submitted a dispute for XXXX XXXX XXXX XXXX ( Confirmation # XXXX ) on the same date, with a duplicate filed on XX/XX/XXXX. 

Despite multiple follow-up calls, including recorded conversations with Equifax representatives XXXX I was informed that resolving these disputes would take 30 days. One representative acknowledged that other disputed accounts had been deleted, yet the two in question remained unresolved. I confirmed this statement by refreshing the credit report file and seeing all others had been resolved. He attributed this delay to the duplication of disputes, despite my clarification that I submitted each dispute only once. This representative also indicated that he could only leave a note for the back office team, leaving me without resolution.

As of today, it has been seven business days without any action taken on these two accounts, which is significantly hindering my employment opportunities and ability to secure new residency. I have repeatedly reached out to Equifax on XX/XX/XXXX, and XXXX, XXXX, and each call has resulted in no resolution, merely requests for further waiting. 

Moreover, I have not received any of the original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ), including a consumer contract bearing my signature. Under Section 611 ( 5 ) ( A ) of the FCRA, Equifax is obligated to promptly delete any unverifiable information.

The law is explicit regarding the civil liability and remedies available for negligent noncompliance ( Section 617 ), and I am prepared to pursue legal action to enforce my rights under the FCRA. Equifaxs failure to comply with these regulations is causing me substantial harm and distress.

I kindly request your assistance in addressing this matter and ensuring Equifax is held accountable for their negligence.

Thank you for your attention to this urgent issue. Please see original documents sent to Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

Payment was made in full to PennCredit on XX/XX/21 in the amount of {$900.00}. They have updated my XXXX  credit report to show the balance has been satisfied but they will not remove it from my credit report. The fact that the collection still shows even though its paid, is still hindering me from credit approvals.
Product: Debt collection

I am a victim of identity theft. This account was open without my knowledge or consent. Account Number : XXXX Amount : {$470.00} I have filed a police report on this manner.
Product: Bank account or service

My ATM card 's expiration date was XXXX 2014. When I did not receive my new card by mid XXXX Istopped in XXXX branches over the course of two weeks, XXXX XXXX XXXX, XXXX XXXX and XXXX. I never requested over-draft protection, but I received this letter rejecting my application. When Iinquired about this issue, the XXXX XXXX XXXX explained that over-draft protection isautomatlcally applled for when you renew your ATM card. I have never had this happen before and I'vebeen banking with you for at least eight years. I was also told that a credit check was not done, but that was not true.
Product: Payday loan, title loan, or personal loan

I will begin by explaining that I received a same day loan by NetCredit in XXXX and paid it off XXXX or XXXX. 
XXXX XXXX I went to acquire a loan and was approved. Received a notification and call stating that I needed to verify the addresses were the same on the voided check after Net Credit loan processor saw that the account information, check was the same account number and through the bank statement that everything was verified. Everything was verified! Tuesday I received a call stating the check addresses didnt match again so in order for me to I would have to re apply to change the ACH option. I asked to just send another voided check but they insisted on me reapplying, so I did. For the next 4 days I could never speak with a loan processing representative or supervisor, they kept asking for more information, stating my employer could not be verified, even after my employer called NetCredit, pushed back the loan date to XXXX, ultimately declining my application, without speaking or returning my call which I requested 3 days by email. They received all of my personal information, wasted a week and a half of my time for information they already approved of. I never was contacted by any person in the loan department or supervisor. And my credit decreased. This is fraud.
Product: Credit card or prepaid card

I opened my Citibank secured credit card in XX/XX/XXXX. After 18 months, the card was supposed to go to unsecured and I would get my {$200.00} deposit back. I contacted Citibank in XX/XX/XXXX to make sure everything was on track to have the change happen, and get my deposit back, and i was told by the representative that it was. I have never been late on a payment, and the balance had been paid off in full since XX/XX/XXXX. The security deposit was supposed to be refunded on XX/XX/XXXX. I received a letter in the mail today that Citibank reviewed my history, and they are keeping my account secured for another 12 months, and holding my deposit. My credit score is good, and my track record with them specifically is excellent. They are playing games and going back on what they said initially. Upon contact, the representative was not helpful, and said there was nothing that could be done.The letter also threatens that if I close my account, the deposit will be be held another 3 weeks to pay against any balances or pending transactions. Again, there has been no balance or transactions made on this card since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting with the bureaus regarding accounts on my credit report that need to be removed that aren't mines, and yet here I am again receiving debt collection calls about accounts that I have never opened, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, and a few others. I have included them in my police report as well as my FTC Report. I should already have a fraud report on file, there should be no way companies are able to run my credit without me being notified, I have recently changed my number due to the heavy call volume of debt collectors reaching me on things I never purchased. I never had any banks or debits until I found on by recently checking a credit report of mines. I want these items investigated and deleted, also want them blocked. I had a car that I paid in full sent in documentation of it being paid in full and being signed over to me from the XXXX XXXX company and it has showed back up ... PLEASE FIX THIS. This is draining. All the fraudulent inquiries from phone and finance companies, XXXX accounts. Just alot of things done without my consent.
Product: Mortgage

Our issue wi th Ditech beg an in  XX/XX/XXXX . Our mon thly Mortgage payment that is due is {$1000.00}. I always pay a little more each month. Typically {$1100.00} to make it an even number.  <P/> In   XX/XX/XXXX , I  accidently paid our regular mortgage payment to the Home Equity Account that is also on the property Instead of the Mortgage Account in error. I n XX/XX/XXXX  after the  XX/XX/XXXX  we began receiving calls that we did not make our monthly mortgage payment and I discovered my error and Immediately made the payment o n  XX/XX/XXXX  fo {$110 0.00}. This is the amount we were told by the ditech rep over the phone that was due and included late fees.   To insure that this would n't happen again, I started paying our monthly payment early each month. On   XX/XX/XXXX  I p aid {$1100.00} and on   XX/XX/XXXX   I paid {$1100.00} because we received a notice that the amount needed for our monthly escrow account payment had increased. Per our statements, fro m Ditech, the  XX/XX/XXXX  Payment on  XX/XX/XXXX  was not applied to our account. It shows received but was no t applied. Th e XX/XX/XXXX  p ayment was applied to principle, interest and then a huge payment to the escrow account of {$690.00}. Per the escrow account statement/analysis as of   XX/XX/XXXX  it sh ows that the escrow account payment should be {$180.00}. I received a phone call in  XXXX  that we owed {$89.00} in late fees so I paid it right away on  XX/XX/XXXX  not wanting to argue with them further on the phone since everyone I spoke to on the phone claimed everything has been corrected on the account and we owed these funds. The {$89.00} payment was also not applied. To say it has been frustrating is an understatement. Multiple calls a week from  Ditech an d multiple conversations stating that they have already corrected the problem and we need to make more payments.   Moreover,  Ditch 's g ross negligence of our payment appropriation between escrow, principle and interest caused some alarm. I began reviewing our escrow account and payment application since the last escrow adjustment in XX/XX/XXXX . Per th e  XX/XX/XXXX  esc row accounting there was a shortage of {$16.00} each month which increased our payment from {$1000.00} to {$1000.00}. If you look at our statements we have paid more than that amount each month, however, ditech has not applied the escrow account appropriately  ( per their own statements and documents ). At the end of  XX/XX/XXXX  we received another escr ow statement showing that the payments they have been using were {$1000.00} and not the {$1000.00} per the escrow statement we had been sent as of last year. Future monthly payments would be {$1100.00} to make up for the shortage. I reviewed the history of the payments applied to our escrow account from our monthly mortgage payments and much to my chagrin in was extremely inconsistent. Some months they took {$160.00}, then {$160.00}, or {$200.00} and most recently {$690.00} from our monthly payments to apply to our escrow account. I realized that the varying payments to our escrow account each month would affect how our mortgage was being paid off overall.
Product: Money transfer, virtual currency, or money service

I have invested more than US {$60000.00} with XXXX XXXX in XXXX in 2021. After I have fulfilled my obligation to the VIP Deposit requirement plan of {$250000.00} Malaysian Dollar,  I would have access to my account balance. Unfortunately, the JP Morgan Chase Corporation took over the business recently. They imposed a new additional deposit requirement of 25 % on my account balance of US {$100000.00} which was amounted to US {$25000.00} which was clearly illegal and unethical. It blatantly employed this corporate rule as a scheme to swindle and to confiscate my account balance. The Corporation has ignored the law which protect the consumer, and also demonstrated its blatant violation in lack of human decency in public thievery, and in public confidence and public trust with legal and fair rule. I demand the JP Morgan Chase Corporation refunds all my money from my investment account immediately. Total fund in my investment account is : XXXX Malaysian Ringgit equals XXXX United States Dollar
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Upon looking at my credit report i see an inquiry was made on XX/XX/2018 from Wells fargo. I did not authorize this inquiry to on my credit report and i Have a security freeze on all my credit report which require anyone to verify anyone attempting to use my Social security number to contact me first before opening any new account. I am asking that this inquiry be removed from my report immediately. Thank you.
Product: Credit reporting or other personal consumer reports

Identity Theft Victim 75-60. Title. This Article shall be known and may be cited as the " Identity Theft Protection Act ''. ( 2005-414, s. 1. ) District Court for Northern District of Georgia XXXX Division Equifax Inc. Customer Data Security Breach Litigation ; Case XXXX As a victim of identity theft, I am asserting my rights under federal and state laws, including the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act, which protect consumers from the unauthorized use of personal information. The harm caused by these actions is worsened by Equifaxs inaction in addressing my ongoing disputes.

This situation is further compounded by data security breaches, involving the Equifax Data Breach, exposing my information to misuse. I demand the immediate removal of these fraudulent accounts from my credit report, especially given the impact of recent data breaches. Under the FCRA ( 15 U.S.C. 1681c-2 ( a ), Equifax is legally required to block and delete the information resulting from identity theft upon receipt of a suitable report, which I have provided on multiple occasions. The unauthorized accounts linked to my Name, Social Security number, and Personal information are : XXXX : Balance : {$870.00} : Open Date : XXXX XXXX, XXXX XXXX XXXX : {$670.00} : Open Date : XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} : Open Date : XXXX XXXX, XXXX XXXX : Balance : {$840.00} : Open Date : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX : Balance : {$2900.00} : Open Date? 
There has been absolutely no legal proof provided to substantiate the marks on my credit report. I have not signed any wet signature application or contract that would legally authorize the reporting of this information. Furthermore, I have not granted your agency any authority to access or report information about me under the Fair Credit Reporting Act ( FCRA ), which explicitly requires a permissible purpose for such actions. Additionally, I want to highlight that this situation has been worsened by data breaches that grossly mishandled and exposed my sensitive personal information, which your agency continues to misuse. Failure to comply with this demand will leave me no choice but to initiate legal action.
Product: Debt collection

Under the authority of 15 U.S. Code 1692l, 12 CFR 1016, 12 CFR 1022.3 ( b ) ( h ), 12 CFR 1006.18, 12 CFR 1006.34 ( 3 ) ( ii ) I hereby request that the CFPB investigate this complaint. The Federal Trade Commission made it clear in a decision against a national debt collection agency in 2009 that a collection must show proof, ( i.eXXXX a written transfer of information and the right to collect on a debt ), in which The Parnell Law Group has not yet provided to me upon several requests and subsequent debt collection attempts. 
On or about XX/XX/XXXX XXXX sold the alleged debt to XXXX XXXX XXXX On or about XX/XX/XXXX XXXX sold the alleged debt to The Parnell Law Group . 
XXXX XXXX has sold my private information to several debt collection companies ( Violation of 12 CFR 1006.18 ) after they have reported the account as charged-off ( Violation of 12 CFR Part 1022.42 ( b ) ) ( not assigned ) on XX/XX/XXXX and XX/XX/XXXX for two separate accounts to the credit reporting agencies ( Violation of the Privacy Act of 1974, 12 CFR Part 1016.7, 12 CFR Part 1016.10 and Alabama Code SECTION 8-19-5 ( 27 ) ) .On or about XX/XX/XXXX I sent XXXX a letter opting out of selling my private information, just in case they are using implied consent as a means to continue to violate my RIGHT to financial privacy. ( Violation of 12 CFR 1006.15 ), ( Financial Privacy Act of 1978 ) ( Griswold v Connecticut 1965 ) There are several federal and state violations committed against me by all parties involved. Code of ALA SECTION 8-19-5, SECTION 8-19-11, 15 U.S. Code 1692e, 15 U.S. Code 1692k