23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover that aTRANSFINACIAL COMPANY had a collection on my credit report in XXXX. On XX/XX/ I sent Transfinancial a letter for validation of debit by certified mail. They responded not complying with the letter. Also, Transfinancial does not have a debt collection license to collect debts in OUR STATE! I reaffirmed this bye sending one more Debt validation letter on XXXX XXXX XXXX  by certified mail asking for the license number and agency Issuing the license and so forth. No Response. So I looked it up myself, and they have no license to collect debts in FLORIDA.
Product: Credit reporting

My credit information shows an address that I have NEVER lived at & it 's been on there for years. I could never find a way to dispute it. The address : XXXX XXXX XXXX XXXX, XXXX, TN XXXX. This needs to be removed from my credit information & anything connected to that address. 
Thanks, XXXX XXXX XXXX
Product: Debt collection

There are 2 collection accounts on my credit report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case LVNV FUNDING is attempting to collect as XXXX XXXX XXXX and XXXX XXXX XXXX is attempting to collect as XXXX XXXX. 

These collections ( XXXX XXXX ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get Experian to investigate the errors in the attached documents for over 90 days now. They have not even started an investigation but continue to stall or state that it's not me. They have yet to show any proof that these accounts belong to me and are accurate. Please help me get these removed from my report. They are in violation of the FCRA in multiple ways and have violated my privacy and my livelihood. Please help me.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention a matter of concern regarding the negative impact on my credit standing. This issue arose as a result of following the advice of a debt consolidation company, specifically the representatives of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Upon seeking assistance from the debt consolidation company, I was advised not to make monthly credit card payments with the intention of allowing these accounts to close. The subsequent closure of these accounts has resulted in a significant decline in my credit scores. Furthermore, reputable financial institutions such as XXXX now have records of me being 90 days or more past due, despite my prior good standing. 

I would like to emphasize that prior to following the advice of the debt consolidation company, my credit accounts were in good standing, and I had a responsible track record of timely payments. The impact of this advice on my credit standing has been distressing and has caused significant inconvenience and concern.

I have documentation and correspondence from the debt consolidation company, including details of the advice provided and the intended resolution through settlement with lower numbers on these accounts. I believe that this evidence supports my case and underscores the impact of the advice I received.

I kindly request that you investigate this matter and make the necessary corrections to my credit report. I am committed to resolving this issue and restoring my credit standing to its previous favorable status.

Thank you for your attention to this matter. I am available to provide any additional information or documentation as required. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

debt was transferred to me after my wife disputed it from being on her credit report and it was deleted. it was her debt to begin with and the Dr office would not correct the Faulty XXXX XXXX she had fitted. XXXX XXXX sold the practice to XXXX XXXX who refused to correct the problem. they said it has been turned in to collections and we are through with it and you.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), an credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX under the account number ( XXXX ), a credit card account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ), an credit card account opened at XXXX XXXX XXXXXXXX XX/XX/XXXX under the account number ( XXXX ), An credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ), An credit card account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ), An XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX under the account number ( XXXX ) with a balance of {$7700.00} and a mobile phone account with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX with an account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections/reporting appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) and ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

Bank of America payment system does not allow for submitting a payment. When it is attempted, and error appears " '' There was a problem processing your request. XXXX is temporarily unavailable. Please try again later. '' I have screenshots. 

Called on several occasions to address this and no one at Bank of America seems to be able to resolve this the prior 2 months, including the latest call and being transferred to 3 different agents and spending over 1 hours and 15 minutes on the phone at XXXX XXXX pacific XX/XX/2XXXX 

This has resulted in late fees on the corporate account ending in XXXX and presumably upcoming finance charges based on an errors and issues with Bank of America 's payment system These late fees ( {$49.00} ) and future finance charges need to be reversed. Thank you.
Product: Mortgage

On XX/XX/2020, I initiated a loan application with HomeAmerican Mortgage Corp. which progressed to conditional approval with closing scheduled on XX/XX/2020. On XX/XX/2020, I was informed by the company that closing would not occur as scheduled and would be rescheduled at a later time. When discussing this with our loan officer, XXXX XXXX ( NMLS # XXXX ), she was argumentative and combative immediately upon getting on the phone. During the course of the conversation, she yelled " What would you like me to do? '' over and over, then proceeding to swear at me stating " I am doing my XXXX job '', and finally told me it was " too bad we can't publish reviews on you ''. As a first time home buyer, I was not expecting to be spoken to in such unprofessional and inappropriate terms, and nearly walked away from the entire deal. I spoke with her supervisor, XXXX XXXX, who at my request removed her as our point of contact. Following that, I received a 4 line disingenuous apology via email, siting a " difficult week ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I submitted complaint for two accounts XXXX   XXXX XXXX with Experian. I have no knowledge of this account. Experian stated that they were able to verify but how if this account does not belong to me. XXXX removed it from my credit file because account could not be verify.
Product: Checking or savings account

XX/XX/ My wife and I have a joint checking account at Citizens Bank. On XX/XX/, my wife deposited {$2900.00} in cash at an ATM of a branch office. During the transaction, the process hung, and a teller told my wife she would come out and resolve it. The teller and others from the office could not retrieve the debit card but saw that the cash was deposited. A 'DDA Statement Inquiry ' was printed out for my wife to acknowledge the ATM deposit of {$2900.00} and the balance on the account was updated as such. 

On XX/XX/XXXX, I paid a mortgage. My account should have had plenty of funds in it, but then, to my surprise, I received a notification by email that an 'overdraft line transfer ' occurred. On reviewing my account, I learned that on XX/XX/XXXX, Citizens bank made a 'Debit Memo, DDA Debit ' of {$2900.00}, which is a reversal of the deposit made on XX/XX/XXXX. 

I called a customer service line at Citizens Bank and asked what had happened. After about an hour of confusion at Citizens Bank, the best the person could do was open an investigation. He admitted that there were no notes or records that would justify taking the money. 

A few days after XX/XX/XXXX, I received a letter ( dated XX/XX/XXXX ) from Citizens Bank stating that they completed their investigation and based on the information you provided and the documentation available to us, we concluded that the nature of your dispute is unclear. As a result, your claim is denied. 

On XX/XX/XXXX, my wife went and spoke to the branch manager and asked about the status of returning our money. The manager didn't know what my wife was talking about and did not see any debit of {$2900.00}. When my wife returned and told me, I realized there was a severe problem, took an hour off from work, and went and talked to the manager. When she reviewed the account, she immediately saw that her office had debited {$2900.00} from the account. She had no explanation. She said she would look into it. I asked how long it would take? She said ten days. I said that is nonsense. She said, 'give me two days. ' I did not hear back from her. I called her on XX/XX/XXXX, and she was not available, so I left a message. She returned the call two hours later but didn't know who I was or why I was calling. I reminded her, and she said she would look into it. 

As of XXXX, on XX/XX/XXXX, I have not received a status.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with an account listed as XXXX XXXX and validation was requested in the form of an dispute on XX/XX/2023 as this was an account that I did not recognize. I received a dispute result from Experian today, ( XX/XX/2023 ) saying the account was verified, I have not received any correspondence from the creditor to validate this account as correctly belonging to me nor has my credit report been updated to reflect the account being disputed. I sent a second validation letter out today ( XX/XX/2023 ) requesting validation of this debt because it does not belong to me. Please remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute inaccuracies related to my XXXX XXXX XXXX account ending in XXXX, as reported by TransUnion, XXXX, and XXXX. Despite initiating a dispute on XX/XX/2024, I have not received the required investigation results or requested documentation from either XXXX XXXX XXXX or the credit reporting agencies. The account is currently listed as " charged off as bad debt, '' with a past due balance of {$7300.00}, yet no IRS 1099-C form has been issued to me as required by law for any canceled or forgiven debt. Additionally, there are inconsistencies in the reporting across the three bureaus, including varying " last reported '' and " last active '' dates. These discrepancies raise questions about the accuracy and completeness of the information. I respectfully request that the CFPB take immediate action to enforce the investigation and provide all relevant documentation, or remove the inaccurate reporting from my credit file entirely.
Product: Checking or savings account

I lost my house to foreclosure and lost my checking account record 's and I can not prove any payments pnc bank will not provide old statements please help me get copies of statements for XX/XX/XXXXand XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

SEE ATTACHEMENTS WITH FULL DESCRIPTION AND ACCOUNTS AND SUPPORTING DOCUMENTATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ha

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

I see an entry listing a chapter XXXX bankruptcy on my credit report. According to FCRA XXXX ( a ) ( XXXX ) if the credit bureau CAN NOT VALIDATE the information they must remove said information from the consumer credit file. The XXXX Bankruptcy XXXX DO NOT REPORT ANY ACTIVITY TO CREDIT BUREAUS. Federal laws protect the privacy of most personally identifiable information reported. I have filed XXXX written complaints against the credit bureau and the results of the investigation has been that the item and description is XXXX and no change. FCRA explains that the item must be VALIDATED not VERIFIED that is XXXX different results. The credit bureaus refuse to remove from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax, XXXX and XXXX. asking that they verify all of this negative account I also asked for proof of investigation, all agencies sent a copy of my credit report and no proof that these accounts belong to me. comparing all credit report all this account multiple inaccuracy and inconsistency between the three reports, so how is that these came back verified? no proof was of investigation was shown to me. Equifax placed a legislative freeze on my account which drop my credit score more than 90 points i did not put a freeze on my credit file and it is very damaging to my credit I would like to have all of these collections deleted from my credit because I have never signed a contract with any of agency nor did I authorize any transaction with them. every single item on my Equifax XXXX and XXXX is not reporting as not disputed when i have indeed disputed so I am attaching my credit report because it's a lot of accounts
Product: Vehicle loan or lease

I have been working to transfer my registration from XXXX XXXX to XXXX since XXXX of 2021. US Bank is my leasing company, they will not release the title to my insurance agency. My registration expires tomorrow leaving me without a car to get to work with. My insurance agency has made numerous requests for the title that have been disregarded, while US Bank only claims to have one request from XXXX, which they still have not acted on. I have called US Bank a total of 31 times, and have received misleading information about how to transfer my registration to Massachusetts. Spent 45 hours on the phone with them trying to work this out, and taken two days off from work to go to the RMV to try to get it resolved. I was told by an agent to send my updated name change documentation ( marriage license + social security card ) to XXXX, confirmed update 2x, and then was told by another agent that my name change did not go through and that no documents can be sent for name change via email, so my identity may have been compromised by an agent. Also being charged illegally for Mass tax on an exempt vehicle according to RMV ( open case with US Bank # XXXX ). US Bank will not share a timeline for the title to be released and continues to tell me that it is within my lease contract for them to refuse to release the title and force me to pay for a car I can not use. My case was " escalated '' last week and I was told someone would reach out to me about it but called yesterday and found out it was not escalated after 50 min of waiting, they then stated to call back today as it should be resolved. Today was told the company was 24 days behind, even though my request is significantly over 24 days old and told I would need to be " more patient '' while I potentially lose my job with no resolution in sight. Have requested multiple times to be followed up with and have never been. Formal complaint with US Bank ( # XXXX ) for overall experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was inquiry made by Wells Fargo on XXXX XXXX, 2017 by way of XXXX XXXX that was pulled by error. Enclosed is a letter from XXXX XXXX that was sent to Wells stating that fact that the inquiry was done in error. The inquiry still shows on my XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my most recent credit report and there are inquires from several companies I did not initiate, request and/or conduct any business with these companies. XXXX XXXX XXXX dated XX/XX/2024 2024
Product: Credit card or prepaid card

Comenity bank, branded as XXXX ( travel booking website ) upon consumer request was instructed to close a consumer account on XX/XX/XXXX. In fact, the account was not closed which allowed fraud to be perpetuated on XX/XX/XXXX and Comenity capitalized on that fraud through the imposition of late charges and interest fees. Upon consumer remediation efforts, Comenity was unable to explain how a closed account was permitted to be used for charges a month after the account was to be closed.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies 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 ( Equifax XXXX, XXXX is XXXX XXXX now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the fraudulent addresses from my credit report. They are reporting inaccurately on my credit report. 

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

-- - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX To whom it may concern : Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Sir/Madam, I am writing to formally request a correction of inaccurate personal information on my credit report, and I wish for it to be updated in compliance with the Metro 2 reporting standards. Below is the information that needs to be corrected : Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 

**REMOVE THIS INFORMATION FROM MY REPORT** **Incorrect Information** -Address : XXXX XXXX XXXX. XXXX, CA XXXX -Phone Number : ( XXXX ) XXXX **REMOVE THIS INFORMATION FROM MY REPORT** **Correct Information** -Current Address : XXXX XXXX XXXX XXXX, CA XXXX -Phone Number : ( XXXX ) XXXX I have enclosed the following documents to verify my identity and confirm the accurate information : - A copy of my government-issued ID ( e.g., drivers license, passport ) - A copy of a utility bill or bank statement showing my correct address - A copy of my Social Security card - FTC Identity Theft Report Please update the incorrect information on my credit report to reflect these changes as soon as possible. Kindly confirm receipt of this letter and notify me once the requested corrections have been made. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I expect the investigation and resolution of this matter to occur within 30 days of receipt of this request. Please ensure that the updates are made using the Metro 2 format to ensure consistency across all credit reporting systems. 

If you require further information or have any questions, feel free to contact me at the phone number or email listed above. 

Thank you for your attention to this matter. I look forward to your prompt action in correcting the errors. 

Sincerely, XXXX XXXX XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XXXX ( XXXX ) XXXX **Enclosures : ** - Copy of government-issued Passport - Proof of address ( Utility Bill & Bank Statement ) - Social Security Card - FTC Identity Theft Report -- -