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

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items. 
2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and found inquiries that I did not authorized nor have awareness of. One of them is SANTANDER CONSUMER USA Date of Inquiry XXXX. The Bureaus are violating my rights according to the FCRA Law by allowing other company have access to my file. Please help me have these inquiries deleted as soon as possible as this is hurting my credit score.
Product: Checking or savings account

XXXX XXXX, 2024***Dear XXXX XXXX XXXX XXXX XXXX & Co-Chairman at Charles Schwab ** **Re : Notice of Misrepresentation of Material Facts and Potential Breach of Fiduciary Duties** I acknowledge your response regarding the status of the accounts in question. However, your communication contains a material misrepresentation of facts, and I must inform you of potential breaches of fiduciary duties that have occurred in this matter. Firstly, your assertion that the accounts " have no value and are closed '' fails to address the issues surrounding the collateral that rightfully belongs to the Estate of the account owner. The nonresponse to these critical issues, particularly concerning the collateral, could potentially constitute a violation of 18 U.S.C. Chapter 77, which addresses crimes related to peonage, slavery, and trafficking in persons. Specifically, the failure to account for or return collateral that is properly the property of the Estate may be seen as an attempt to unjustly retain or convert assets that do not belong to the intermediary, thereby facilitating financial exploitation. As a result of the banks default in this matter, it has exposed itself to substantial damages. The ongoing breach subjects the bank to a claim for damages in the amount of {>= $1,000,000} ( XXXX XXXX dollars ) per day that the breach continues. Please note that this failure does not alter my rights regarding the use of closed account checks to recoup the consideration that has moved from the account owner to the intermediary, Charles Schwab & Co. , Inc . The recoupment of this consideration is not only a matter of equity but also a legal right that remains enforceable despite the current status of the accounts. In light of the serious nature of these issues, I expect a prompt and thorough resolution. Failure to address and rectify these matters will not only exacerbate the banks liability but may also lead to further legal actions to protect the interests of the Estate. Thank you for your immediate attention to this matter. **Sincerely, ** **XXXX  XXXX XXXX XXXX representative XXXX [ Case Number : XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX  Account # XXXX, Bank XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX Account # 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

On XX/XX/2022 I transferred {$2000.00} from my Bank of America checking account to my wife 's XXXX checking account by way of XXXX through our banks. We were not aware at the time that my wife 's XXXX bank account had been closed due to an overdraft. Later that day, when my wife went to go use the debit card and check her online account, she discovered the account was inactive. She contacted XXXX and they said that the money transferred should be sent back to my Bank of America acct. within 10 business days, since the XXXX bank acct was closed. We filed a claim on XX/XX/XXXX with Bank of America, to reassure that the money would be returned. We contacted XXXX bank on XXXX XXXX, XXXX  to see if they had received the money and if they knew where it went. They responded that they did not receive the money transfer. We then contacted Bank of America and they said they were waiting for someone from XXXX to respond to their attempt to communicate. Bank of America said that if we mailed them proof of the XXXX bank acct being closed, that would assist in the claim process. XXXX mailed me the letter and we emailed the letter to XXXX around XXXX XXXX XXXX  We waited and heard nothing back, we then called Bank of America on XXXX XXXX, XXXX and they suggested we email the letter again. We did email them the letter again. On XXXX XXXX, XXXX, Bank of America mailed us a letter stating that they could not approve our claim.
Product: Credit card

After finally filing an AG complaint over mishandled disputes on Citi 's side over the past year, Citi has decided to close all of my cards as they no longer want to deal with validly submitted disputes. Citi sent letters falsely claiming that information on my disputes was " misrepresented ''. I have never once misrepresented a dispute and, again, this action comes from Citi 's refusal to address validly filed disputes with extensive documentation. I have spent dozens of hours with Citi 's Disputes and ERU teams, and with their technical team ( at the ERU 's request ) on an issue that blocked the viewing of dispute responses from Citi. 

My issue snowballed as Citi has very incompetent employees in the ERU who happily do not fully look into issues, take the full month to not do anything but sit on your case, close cases prematurely, not understood issues, go on vacation and pass cases around so someone new can repeat the same, claim recorded calls ( conveniently ) don't exist, and state that they handle everything " professionally '' after hanging up on clients. 

I have asked Citi what was misrepresented via ERU XXXX and they ( of course ) refuse to provide any information aside from repeating that my cards were closed due to dispute misrepresentation - I'm not clear how repeating my concern added any value, but it's another example of how incompetent Citi 's ERU office is. Again, this is a serious allegation, it led to the closure of 4 of my 12-year old accounts, and is false in order to attempt to absolve Citi of any financial responsibility. Citi should provide specific information to back up their vague and false claim or we will move onto the legal side. Citi has decided to ignore validly filed disputes under the guise of " misrepresentation ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act DPT EDXXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, and XXXX  XXXX have 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 Section 2 : It also 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

I would like to know why the 7year statue of limitations has not been adhered to by this company. This account is over 13 years old. I have hired XXXX XXXX on my behalf with no acceptable results. Wells Fargo fraudulently pushes up the date the account was closed and charged off I think in an attempt to supersede the statue? As you can see on my XXXX report, they keep falsely reporting history for recent years. 

I even asked them for a payment for removal just do be done with it and they refused. 

The account shows opened on my credit report XX/XX/XXXX for {$2300.00}. The account was closed and charged off in XX/XX/XXXX I believe. 

XXXX XXXX has been sending them letters trying to resolve the issue for almost two years!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I disputed an erroneous rental balance of {$9800.00} provided by XXXX XXXX XXXX that was reported by the XXXX apartments in XXXX XXXXXXXX XXXX. I provided proof to National credit systems showing that I owe {$0.00} with my move out rental ledger and they did not investigate the matter or provide me with the original signed lease or proof that I owe the apartment complex {$9800.00}. XXXX XXXX XXXX just sent me a generic letter on XX/XX/XXXX, via email stating that there will be no change on my credit report.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$1000.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$2100.00}.
Product: Mortgage

I received a letter from my bank dated XX/XX/2021 that starting XX/XX/XXXX I need to send payments to SPS [ Select portfolio Servicing inc ]. 
I did send XXXX payment but SPS applied it to XXXX saying I should have send them payments starting XX/XX/XXXX and not XX/XX/XXXX as letter said. 
I called SPS and XXXX XXXX bank several times trying to resolve this issue with no luck until today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in a auto accident in 2015 and treated at XXXX Hospital, ( Now XXXX XXXX XXXX ) All of my Hospital bills were paid by insurance except the various Clinics, ie Radiology etc. because XXXX did not forward the insurance info to their clinics, therefore Those were not paid. I think that when the clinics are owned by the Hospital they should Share the insurance info with them ALL, but they Did Not. Therefore over {$860.00} is charged against me, Showing on XXXX XXXX, It should not be the responsibility of the patient to furnish the insurance info, it should be up to the Hospital since They own the Clinics in question, in addition to the Auto insurance, I was covered by XXXX parts XXXX XXXX XXXX as well as Missouri XXXX! This has been haunting me for 4 years and hurting my credit rating, Please Help!
Product: Checking or savings account

So, my account was locked by the bank on XX/XX/XXXX. However, they keep moving the account closure date backward without a precise reason. At first, they said the closure date would be XX/XX/XXXX, but now it's almost XXXX, and I called them several times. They can't explain why they are still processing the account closure. Thus, I can't get my money back, and I don't have money to keep my daily life, even now I don't have money to pay my rent, and a few weeks ago, I didn't even have money to go to urgent care because I was sick. But the bank doesn't care, they can't do anything to help me. Even I need my money to survive.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX XXXX XXXX XX/XX/2023 - Unauthorized Inquiry According to 15 USC 1681i ( 5 )  the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting on there report that my loan with XXXX XXXX XXXX auto loan has missing payments which is effecting my score. This account has been in chapter XXXX since XX/XX/2014. I reached out to a representative at XXXX XXXX XXXX and they do not show any missed or late payments. This representative also informed me that since the loan has been in Bankruptcy for over two years they should not be able to report late or missing payments. XXXX also informed me that they do not even report to TransUnion. I have disputed this with TransUnion about that loan being in bankruptcy for over two years and they said they have no errors in my report. Note the reason I found out is my XXXX is XXXX and TransUnion is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This problem is with Experian, In XXXX I had a account with XXXX XXXX that is held by XXXX XXXX, This account was opened XX/XX/XXXX They say charged off as it was going through Bankruptcy they started this XX/XX/XXXX, at this time my credit took a point loose. Then in XX/XX/XXXX they marked bankruptcy, They although tried to hit my cerdit report with saying I claimed bankruptcy in XXXX of this year my score dropped XXXX points had to get XXXX XXXX to help prove no new bankruptcy. Now this week in XX/XX/XXXX they are reclaiming charge off and my score fell XXXX more points this should not be reported again was once reported charge off XXXX then in bankruptcy, Experian is telling me I can keep having my score drop from this same account till it comes off account. I have tried calling XXXX XXXX  no help I wrote to the in XXXX and sent in Discharge papers And I believe a problem may be XXXX XXXX  changed it to a collection agency with new account number and then back to bankruptcy number
Product: Credit reporting or other personal consumer reports

I have previously requested all 3 bureaus to verify this account. Afterwards I received an updated copy that still show inaccurate information. There showing closed charge off with balances/ 90 days late and a current status. I ask that this be investigated and removed according to the law. I also notified an unlawful inclusion to my credit file in HIPA laws have been violated. 
XXXX XXXX XXXX earlier shied on my report as a Medical debt with a XXXX office showing. After an update its now showing deleted from 2 credit bureaus but XXXX remained with description of a XXXX line. My concern is how did a debt collector receive my personal information and why was it allowed to be shared into my credit profile. Please investigate and delete all unlawful and inaccurate information from all 3 Credit Bureas XXXX, Equifax and XXXX. I thank you for your time and listening to my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

On XXXX XXXX, XXXX my back made an auto pay to XXXX XXXX XXXX XXXX/Synchrony Bank, XXXX XXXX XXXX, XXXX, FL XXXX, in the amount of {$180.00} I will attach a copy of the cleared check. 
On XXXX XXXX, XXXX the check cleared my bank, but my account with XXXX XXXX /Synchrony Bank was still due,. 
On XXXX XXXX, XXXX I received and email from this bank telling me my account still due with late fee interest. I call this bank right the way and told them I made the payment as I mentioned above. They waved the late fee, but my account is still due in the amount of {$180.00} on XXXX XXXX, XXXX. The rep told me to fax them a copy of the cleared check, and it will take up to XXXX to result this. I faxed and confirm the fax went through on XXXX @ XXXX. 
I called to follow up on XXXX/XXXX/XXXX @ XXXX phone # XXXX spoke with a rep name XXXX, he said raised dispute in the case of missing payment. 
On XXXX/XXXX/XXXX I went ahead and paid the {$180.00} so that I wont be late, and counting that they will find my first payment and credit me back. 
On XXXX XXXX I called again spoke with XXXX &  XXXX/supervisor told me refund check will be sent arrive in 5 to 15 days. Two weeks past no check. 
On XXXX XXXX I called again spoke with XXXX stated nothing show of check being sent out. Then I asked to speak with a supervisor, at XXXX XXXX/customer service said will work on credit {$180.00} back to the card with in 5 to 15 days. 
On XXXX two weeks later nothing has been done, @ XXXX I spoke an account manager came on name XXXX said ; on XXXX someone discovered the {$180.00} applied to the wrong account and he will request to putting the $ back into my acc, and will have a resolution on Monday XXXX and XXXX will call me back. Again no one call me back. I called back to find out no one has done anything about it. 
On XXXX I got on chat with this back instead with XXXX XXXX, to find out the same thing nothing been done, some is working on it and will call me back within 48 hours, guess what have not heard from them. 
On XXXX got on chat with them again, chatted with XXXX XXXX and supervisor name XXXX XXXX, told me the same thing again we are investigating it and will get back to you. 
On XXXX at XXXX spoke with XXXX XXXX and XXXX XXXX and then abck to XXXX XXXX XXXX XXXX told me to fax the copy of the check a gain so they can look for this money. This will take another 2 to 3 weeks. 

I still do n't have my $ back after almost 3 months.
Product: Credit reporting or other personal consumer reports

CFPB investigate damage to consumers caused by false reporting from credit agencies. 

Forensic evidence being collected All evidence attached 1. XX/XX/XXXX Equifax falsified records damaging credit score from exceptional to very good removing XXXX points with false justification 2. Equifax XXXX statement no recent revolving balance. XX/XX/24 less than 1 month consumer has paid on ontime payments on revolving balance. Evidence proving false reporting 3. Equifax falsely states Few accounts paid ontime. Consumer report shows XXXX accounts ALL paid ontime over 38 years. ZERO delinquency 4. XXXX falsely states no loan information. Consumer has over XXXX prior loans, good finances, paid all loans off over XXXX yrs CFPB needs to investigate credit agency for false reporting. 

see images Equifax reporting is significant differemt then other agencies. 

A consumer with good financial management responsiblility Equifax is damaging my credit with false justification
Product: Checking or savings account

XXXX / XXXX ACCOUNT HAS BEEN OPEN WITHOUT MY CONSENT. I DID NOT AUTHORIZE THIS ACCOUNT. ITS Reported For : ACCOUNT ABUSE ; Original Charge Off Amount : {$440.00}
Product: Mortgage

I purchased home owner 's insurnace at the closing of my property effective XX/XX/XXXX to XX/XX/XXXX. On about XX/XX/XXXX the XXXX notified myself and Bank of America that the policy was going to cancel as of XX/XX/XXXX. On XX/XX/XXXX I purchased new home owner 's insurnace with XXXX XXXX effective XX/XX/XXXX to XX/XX/XXXX. There was no gap in home owner 's insurance. Bank of America threatened to put forced place insurnae on my home due to their error in inputing correct information they claim they received from The XXXX. The XXXX has never advised Bank of America their policy cancelled on XX/XX/XXXX. They advised the policy was active since that date. The letter that went out to both me and Bank of America clearly state the policy was cancelling on XX/XX/XXXX, NOT XX/XX/XXXX. Bank of America continues to harass me every month or two. You can look at my complaint record related to this CFPB account and see their constant errors and bad/ potentially illegal behaviour.
Product: Credit card or prepaid card

Just over one year ago I opened a business account with Mainstreet Community Bank. As of XX/XX/2020, my account was closed. 

I spoke with an agent via phone, and they told me that a letter was sent out to notify me of account closure, however I did not receive it. 

I made consistent payments on this account until I was drastically effected by COVID19. So I made the efforts of notifying Mainstreet and joining their program. I explained that I had lost over 50 % of XXXX XXXX  income. 

I was not notified as to when the program would end, so I maintained monthly contact with the company via phone. 

As you will see on my attached document of payment history, I have made every effort of getting back in good standing with this company including paying the overdue balance. 

I was not aware my account was closed until after I made the last payment and noticed that I still did not have access to funds. 

As a young XXXX, there is a lot I do not know about the process of credit. In this case, it costed me because I genuinely did not know that my account would be closed even if I was keeping constant contact with the company. I have never been in a situation like this. 

Further, I want to continue to groom the relationship I have started with Mainstreet Community Bank. They took a chance on me and I do not take that lightly.
Product: Credit reporting, credit repair services, or other personal consumer reports

AMEX, my XXXX report states that I have 5 hard inquiries from you guys. I did not apply for an AMEX product in the last 3 years. Please send me a letter via mail to the address on my CFPB file addressing XXXX to have those hard inquiries removed please. 
Again, - XXXX wanted me to contact AMEX - Get AMEX to mail me a letter address XXXX to have those AMEX hard inquiries deleted, as they were not mine. 
- If possible, please expedite the mail. 
Thank you As on my credit report, the dates from AMEX were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX