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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting service XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not believe that an investigation was done because there are still unauthorized inquiries on my report. I have already filed a report and sent letters to the credit bureaus XXXX months ago explaining that the inquiries being reported are not correct. I will attach the letter with this complaint. The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove the following from my Experian report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTN - XXXX IS A DUPLICATION WITHIN THE TIME FRAME THAT ONLY 1 INQUIRY SHOULD SHOW UP. ITS AN ACTIVE ACCOUNT BUT ONLY 1 ACCOUNT 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

I made settlement arrangement with XXXX XXXX XXXX and made my payment on XX/XX/2021. They did not offer to remove them from my credit report but they did say they would mark them as charge off and paid in full for less than the full balance. I am fine with this agreement, but I'm not fine with XXXX & Equifax not following through and reported these as paid. XXXX is reporting them as legally paid in full for less than dull balance in the comment section but no where else. And on on of the XXXX accounts all three bureaus are still reporting the balance almost a full year later. I've sent them XXXX separate letters concerning this.
Product: Money transfer, virtual currency, or money service

I contacted a firm several times especially right after it happened and it keep running me in circles. I'm going to attach my correspondence from them. But I told them and I told the scaling for sales company that I did not authorize this transaction and yet they are not validating my word and let it go through and I told them that there was no product no service. It was a fraudulent work for pay scan that there's a whole XXXX. Thread dedicated to people from people who have been victimized by a firm cope card and scaling with sales.
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Correction Needed for Car Loan Reporting with XXXX XXXX Dear XXXX XXXX, I am writing to urgently address the persistent incorrect reporting of late payments on my car loan account, which was enrolled in a deferred payment program. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 Section 604 A Section 2, I have the right to privacy, and a consumer credit agency can not furnish an account without my written instructions.

Additionally, under 15 USC 166b, a creditor may not treat a payment on a car loan as late for any purpose. Despite my repeated disputesover nine timeswith the credit bureau, they are neglecting the fact that these months were deferred. Regardless of being marked as 30 days past due, no payment was due during the deferred period. 

I urgently request your intervention for an immediate review and correction to ensure accurate reporting, removing any erroneous late payment notations. 

Please see statements to confirm this inaccuracy. 

Thank you for your swift attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

XX/XX/2019, I went into XXXX XXXX  in XXXX XXXX Indiana and I also tried to open an account with XXXX XXXX and Fifth thirdbank, at XXXX. I wanted to just open a regular certificate of deposit. The banker told me that I owed two banks from XXXX and that i would not be able to open an account until it is paid off. I am starting a new job in the area and I can't open an account anywhere. I tried to open a checking account and savings at fifth third and they told me the same thing
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to you requesting an investigation into items that I believed were wrong I have not received a reply from them or any acknowledgment that an investigation has begun.
Product: Credit card

Barclays cant process a dispute claim. Ive spent an hour on the phone with them on same company repeatedly charging my card. I have four case numbers. Then they keep telling me claim is denied because I didnt send requested info.

When I get letter asking me to send documentation I call them again. Theres literally nothing I have that can be sent. It wasnt authorized. I have no receipts.

Theres nothing that can be provided to prove something shouldnt be happening.

Of course Ive informed them of that. They admit they made a mistake in the processing and apologize but state I need to send a letter to reopen the RegE claim.

In sum, Barclays can not process a claim. Makes it way to difficult. Denies the claim when consumer doesnt send documentation. Requires a letter to then reopen the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX Wells Fargo Dealer Services Re. Account # XXXX XXXX XXXX XXXX To whom it my concern I am writing in regard to the above referenced accounts and transactions. 

This vehicle was repossessed by Wells Fargo Dealer Services in the State of Illinois on or about, XX/XX/XXXX and resold on or about unknown date not provided to me Under the laws of the State of Illinois UCC ( 810ILCS5/ ) UCC code, and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC - 9 remedies. 

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

XXXX XXXX, and XX/XX/XXXX. I disputed errors within my credit report showing alleged debt. Ive sent letters showing open accounts on collections, past due balances on collection, debt validation/ verification letters of alleged debt with break down of each item. I only received a computer generated response that it was verified and updated but no proof of my wet signature, verification of debt, name and number of person spoke with to prove alleged debt. In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681,15 USC 1681 a ( 3 ), 15 USC 1692g Verification of debt, 15 USC 1692 b-c Communication in connection to debt collection, and 15 USC 1692j . 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXXXXXX Balance : {$69000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Back in XX/XX/XXXX I paid the account down to XXXX dollars. I wanted to pay the account in full my next payday but the site would not allow me. I would get an error message saying account doesn't exist. Today XX/XX/XXXX i received a text from the company saying I have a payment that is due and remaining balance is XXXX. Due to the site error now i have XXXX dollars in interest.
Product: Credit card or prepaid card

XX/XX/2018 - I made a purchase for a new Automotible XXXX XXXX   from XXXX XXXX, XXXX via the company web site. I paid for 2nd day air since my vehicle was non-operational. 
XX/XX/2018 - I contacted XXXX XXXX, XXXX via email regarding tracking for my order, since I had not received it. 
XX/XX/2018 - After receiving no response, I contacted XXXX XXXX, XXXX again via email requesting cancellation of order. XXXX XXXX owner XXXX XXXX said my order would " NOT ship out today. '' XX/XX/2018 - Replied to XXXX XXXX telling him that the delays were unacceptable, and to cancel my order. 
XX/XX/2018 - XXXX XXXX owner XXXX XXXX emailed me 15 minutes after dropping off my package at the post office saying they shipped the product. I told him for the 3rd to time to cancel the order, and tell the shipper to deliver the package back to him. He refused to cancel the order. 
XX/XX/2018 - Disputed charge with Citibank after XXXX XXXX refused to cancel the order. 
XX/XX/2018 - Received a XXXX XXXX XXXX XXXX from merchant. 
XX/XX/2018 - Citi denied my dispute because, they claimed that I did not supply proof that I cancelled the order. 
XX/XX/2018 - I filed the dispute again, attaching EVERY email clearly showing that I did cancel the order as well as a signed letter from my mechanic stating that the XXXX XXXX that XXXX XXXX provided was " USED '' and was " DEFECTIVE '' ( i.e. it did not work. ) XX/XX/2018 - Citi denied my dispute again and said that I would need to deal with the Merchant now ( Who already told me I wasn't getting my money back even if I returned to used/defective product I purchased. ) My reason for filing this complaint with the FTC and the Consumer Financial Protection Bureau is two fold. First, after reviewing the XXXX XXXX XXXX report on XXXX XXXX, it is possible that XXXX XXXX is a con artist, and is running this scam on many customers, not just me. He needs to be referred to the proper authorities for investigation. Secondly, I do not believe Citi followed the Fair Credit Billing Act when I claimed, and proved that I canceled the order before it was shipped, and that the product I received was USED ( i.e. not as agreed ) and DEFECTIVE ( i.e. fraud! ) yet Citi still required me to pay for the used, defective item ( and the demanded that I PAY to ship it back to the merchant who never asked for it back! ) I have all documentation. All documentation was sent to Citibank. 

Given my experience, I recommend that consumers should avoid Citi and cancel any current accounts they have with Citi since they protect the merchant, not the consumer.
Product: Mortgage

I'm planning to refinance my HELOC with another bank. I have requested a payoff statement from Truist Financal Corporation 3 times via written request ( XXXX XXXX XXXX   ) and once via phone XXXX  I was told on XXXX  that the previous requests were rejected and a statement could be mailed. As of XXXX  no statement has yet been received. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information currently being reported on my credit file. I believe the information listed below has not been properly verified in accordance with the Fair Credit Reporting Act ( FCRA ) requirements, and I am requesting that you take the necessary steps to ensure compliance with the law. 

Specifically, I dispute the following accounts and request proper verification : XXXX XXXX XXXX ( Account No. XXXX ) Date opened : XX/XX/XXXX Status : Repossession, {$12000.00} past due Balance : {$12000.00} XXXX XXXX XXXX ( multiple accounts ) Dates opened :XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX Status : Various ( Paid/Closed, Open ) According to the FCRA ( XXXX U.S. CXXXX XXXX  ) , as a consumer reporting agency, you are required to : Conduct a reasonable investigation into disputed information.

Notify the data furnisher ( s ) of the dispute and request they provide proof that the information is accurate. 

Provide me with the method of verification used to validate the disputed accounts, including the name, address, and telephone number of any entity that supplied the information. 

Despite my previous disputes, it appears you have failed to properly investigate and verify the accuracy of these accounts, particularly : Whether the original creditors or furnishers have provided documentation that substantiates the reported data. 

Whether the reporting aligns with my payment history and account status. 

I am invoking my rights under the FCRA to demand full compliance. If you can not verify the information within the legal time frame of 30 days, you are obligated to delete it from my credit file per XXXX U.S. CXXXX  XXXX ( a ) ( 5 ).

Furthermore, I request that you provide : The specific documentation provided by the furnishers to verify these accounts. 

A clear description of the procedures you used to determine the accuracy of the disputed items. 

Failure to comply with these obligations will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and consideration of legal action for non-compliance with the FCRA. 

Please send me written confirmation of your findings or the deletion of these accounts within 30 days of your receipt of this letter. 

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

Sincerely, XXXX XXXX Date of Birth : XX/XX/XXXX Last Four Digits of XXXX : XXXX Phone Number : XXXX Email Address : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have consistently disputed the inaccuracies in the provided information with XXXX, and TransUnion ; regrettably, the matter remains unresolved to date. 

XXXX : The status is incorrect for the following account : XXXX  XXXX Bankruptcy Case Number : XXXX Please remove this inaccurate information from my credit report. 

TransUnion : The status is incorrect for the following account : XXXX  XXXX Bankruptcy Case Number : XXXX Please remove this inaccurate information from my credit report.
Product: Mortgage

I have sent 3 requests to Freedom Mortgage in reference to loan XXXX, on : 1. XXXX ; 2. XXXX ; and 3. XXXX I have attached XXXX documents : A. The email complaint ( 3 submissions ) ; B. Freedom 's Mortage document, email with Movement of Account for my loan ; C. Spreadsheet, where I copied ( B from above ) to understand the movement of accounts.

In essence, the questions that I have requested to have answered ( which has not been addressed ) are the following, in reference to the documentation provided by Freedom Mortgage ( document B from above ) : 1. There is a charge of {$500.00}, under Other. This was debited, but never credited- not sure why? Seems to be an unexplained penalty.

2. Amount of {$2800.00} have been removed from principle, why?

3. There are Interest Charges for {$6100.00} for a period of six months the average interest charge is about {$820.00} per months ( XXXX = {$4900.00}, Column O )? Why is there over {$1200.00} in additional Interest Charges? 

4. During the month of XX/XX/2021, the escrow balance was {$5800.00}, with an unexplainable debit of {$1100.00} can you please explain? 

None of these questions have been answered in multiple phone conversations, and even less over email.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Transunion Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX CRED Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX O Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX I Account Number : XXXX Please remove it from my credit report. 


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

Im attaching a PDF form from the FTC concerning these 5 fraudulent accounts.
Product: Checking or savings account

I am a victim of fraud ; my checking account was fraudulently invaded by a group who identified themselves as part of " XXXX, '' and my membership was to be charged approx, {$340.00}. 

I immediately called the number to get that amount reversed ... that when the fraud began, I was asked to fill out a form that would solve the problem ; he assured me there would be no problem... was filled out by the " finance officer '' I spoke with filled out the online return, and I was asked by the so-called " finance officer to very the form... it got to the point of refund, and I immediately noticed the error, he directed me to check my account which I did, and the amount of {$54000.00} showed in my balance ... from trying to correct a {$350.00} refund turned into {$54000.00} return, which immediately made the {$350.00} refund a moot point for a minute. That started the fraud in motion. I was robbed of a substantial amount of XXXX, figure amount to be exact. I have documentation and proof of what happened ... this was a severe blow on my behalf I would like to see Chase bear some of this ... as of this date, other than a case number opened, I haven't heard a comment from their fraud because ... filed with Chase XX/XX/2022 2022