23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit file has been suppressed with Equifax now since a mortgage lender try to pull my credit back on XX/XX/2021 And that the data was suppressed because I was told my social security number was associated with another individual. But they first told me my account had a freeze on it. I was then told by Equifax to fax my Social Security card, drivers license and a Written request to correct my credit file. I did that satisfactorily and can provide written evidence of this upon request. I waited in approximate 30 days and had my lender tried to pull my credit again on XX/XX/2021 end it is apparent my credit file has yet to be fixed. My lender can still not access my echo fax credit file. I know this is a violation of my rights under the fair credit reporting act. This problem is causing me real harm. I am a XXXX  and I am trying to Take it XXXX of the VA loan program and can not do so because of this problem. This is causing the real harm. I have tried resolving this and have called Equifax XXXX times and each time I am told the XXXX  fax system is under maintenance. Two of those times I was with my loan agent. I called on XX/XX/2021 after leaving my agents office an was told they were still under going XXXX. I am stuck and have no other option but to file a report. My loan agents name is XXXX XXXX she works for Guaranteed Rate. Her email is XXXX. Thank you have a great day.
Product: Credit reporting or other personal consumer reports

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

On XX/XX/year> an inaccurate balance of {$20.00} was furbish onto my consumer report by a debt buyer XXXX XXXX XXXX and is law firm XXXXXXXX XXXX XXXX. I am not obligated and will not paid the alleged debt of {$20.00} inaccurately furbish onto my consumer report. The original debt of {$2200.00} has been satisfied. I have reached out to both XXXX XXXX XXXX and XXXX XXXX XXXX  who I will be filing a summons and complaint ( small claims ) against for violations of the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit card or prepaid card

I purchased a vacation from a company that went bankrupt due to COVID. The company was bonded if XXXX customer, but I am a US customer. I was advised to file and dispute with Citibank. I did this and provided all documents to Citibank to include charge bank instructions. The company, XXXX, has not disputed the claim or argued the charge back but Citibank continues to not follow consumers laws by not resolving and finishing the dispute. They have also attempted to close the dispute though I have shown proof for all they need to handle the charge back.
Product: Credit reporting, credit repair services, or other personal consumer reports

i never took out a XXXX  card
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

XXXX. Account # : XXXXXXXX XXXX XXXX XX/XX/year> 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( 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.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX, XXXX XXXX Account Name : UNKNOWN # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX : XXXX  XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

**Formal Dispute of Inaccurate Credit Reporting under the FCRA** **To Whom It May Concern, ** I am formally disputing inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. This law requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised serious concerns about XXXX failure to properly investigate consumer disputes. 

In a lawsuit filed against XXXX, the CFPB alleges that the company engaged in inadequate investigations, violating consumer protection laws and failing to meet its obligations under the FCRA. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is legally required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Additionally, per 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to comply with these provisions constitutes a violation of federal law.

I formally request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items : Such as XXXX, any other bill on my account 2. Provide all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as required by law.

Given the CFPBs recent findings, I expect XXXX to address this dispute with the highest level of diligence and in full compliance with legal requirements.

I have enclosed a copy of my identification and relevant supporting documents to assist in your investigation. Please provide a written response confirming the results of your reinvestigation.

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I opened an account with XXXX and it is serviced by COMENITY - XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. 

I received the first bill and paid it in full via XXXX XXXX  XXXX XXXX banking for {$150.00} Per XXXX, " Check XXXXwas mailed to XXXX XXXX for receipt by XX/XX/XXXX, XXXX Confirmation # XXXX. '' I received another bill for {$32.00} ( late fee XXXX XXXX {$2.00} interest charge ) which because I was leaving on vacation I went ahead and paid until I had more time to research the initial payment. XXXX Confirmation # XXXX. I received what I thought was a duplicate bill and disregarded it as I knew I had paid the second bill and had not used the account. 

I have not stepped foot in that store since my one and only purchase, which I have now verified with XXXX XXXX  XXXX, was paid-in-full and on time. However, today XX/XX/22, I received a fourth bill from XXXX in the amount of {$41.00} ( {$34.00} late fee and {$2.00} interest charge ). 

If this isn't fraud, then I don't know what is. I have been with XXXX for decades and have used online banking since inception. I have never experienced an issue until now. I contacted the customer care number on the XXXX and they were trying to " wheel and deal '' with me. I asked them to refund me the initial {$34.00} which I did not owe and remove the other bill of {$41.00} and to close the account. 

I was transferred to a manager when the rep refused my request. The manager said he would reverse one late fee and issue a {$15.00} credit if I didn't close the account. I repeated what I wanted and he kept circling through his script and saying that they didn't want to lose my account. I repeated over and over what I wanted and it became clear they were not going to budge. Please tell me how I can get this resolved and stop them from doing this to anyone else? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

My account was at XXXX and they allow all the overdrafts to go through which put me in a major hole of that and now my account is at risk of closing. my debit card was stolen and I didnt know the transactions until further in the future they approve my credit and went back in my account and took it out now my account is negative XXXX
Product: Mortgage

Appeal for loan modification denial was declined with servicer stating appeal response was not received on time. However, borrowers emailed and mailed response to servicer on the due date. The servicer failed to open the appeal email from the borrowers.
Product: Mortgage

I logged into check on my escrow on XX/XX/XXXX, as State Farm informed me that my homeowners insurance premium was raised and I wanted to ensure that CMG ( my mortgage servicer ) had the updated amount. Upon investigating I saw that my escrow was short. I looked back and saw that CMG made 3 different payments to my county for taxes. My property tax burden for XXXX payable XXXX was {$4000.00}. On XX/XX/XXXX CMG shows that {$2000.00} was paid to XXXX XXXX XXXX. Then on XXXX XXXX CMG sent {$1900.00} and another payment on XXXX XXXX for {$2000.00}. I reached out to XXXX and their chat feature and was told the second payment was due to delinquent taxes from XXXX. This was incorrect, as I have my records that show no delinquencies. Upon calling XXXX XXXX 's treasurer it was revealed that CMG was not paying my taxes in installments. So they took the {$2000.00} on XX/XX/XXXX and did not send it to XXXX XXXX. I know this because when I called the clerk informed me that CMG sent a payment on XX/XX/XXXX for {$4200.00}, due to them not paying the first installment in XXXX of XXXX it incurred a {$200.00} delinquent penalty. This is odd because they took the first installment from my escrow in XXXX of XXXX but held onto it behind the scenes and then sent a lump sum in XXXX of XXXX. As a result of them doing the behind the scenes holding of money, XXXX XXXX reached out and informed them they were delinquent on my taxes and as a result of that letter CMG paid twice in XXXX of XXXX. As a result there is ~ {$2000.00} missing from my escrow. I called CMG on 3XX/XX/XXXX and brought the issue to their attention and they said they will investigate but overall they were not helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok so I have been actively working on all 3 credit reports since XX/XX/XXXX to establish and correct any inaccuracies. I have had a terrible time getting things in order with the credit agencies. XXXX has been a nightmare and complaints for them have been filed. Experian has no score generated for my idenity. I think this is unfair reporting & caused me unfair credit opportunities un the FCRA. I have always paid my way in my XXXX years of life not knowing the importance of monitoring my credit as an adult. I did not feel the need to credit knowing the cash flow was keeping me stable. I'm older now and have been on XXXX since XXXX. I now have been enquiring of credit to help my life style. I am not getting an equal fair chance to establish revolving credit mainly because the agencies I have accounts with do not report to all three credit monitors. I have made requests for this to change and was denied. I'm getting XXXX per month to live on and can not do a deposit on credit that would take away from available money. I'm in need of possible credit to add to available funds that can be paid on the first with my one other expense I currently have. My lack of information should show in a good perspective that I'm responsible not to have exhausted my resourses by asking for to much credit. Is there anything that can be done that may give me a shot at fair credit chance? I dont care if the generated score is next to nothing I just do not think that by the FCRA and the fair equal credit opportunities this kinda treatment just does not fit the script as Fair! I'm confused how foriegn citizen 's that arrive here as adults can get fair credit chances with just submitting paper work even without a social.I 'm born in the USA & seem to be categorised as some kinda gamble to creditors for losses or gains. ( I read an article ) I hope our system is not set up to determine our financial history at birth by our given names and social security numbers. The credit agencies do business with our personal information across seas in the XXXX and that does not seem appropriate however we tolerate it. I'm sorry in advance but please help me get the 3 credit agencies to combine the good and the bad equal between the 3 agencies so I will generate a fair score to allow credit opportunities for once in my American life. Please? Thanks
Product: Credit reporting or other personal consumer reports

Failed to protect my information. Failed to remove fraudulent charges due to Equifax ' ability to protect my information from Data Breach. My information is now on the dark web for sale, after its sold, it gets sold again. The amount of hardship this has put on myself and my family is unbelievable. Have you ever tried to rent or lease a home with bad credit not caused by you? A car? Let alone a credit card. This company shouldnt be in charge of a human beings favorite color let alone their personal information and future financial decisions.
Product: Checking or savings account

Bank of America continues to place holds on my funds and fails to have customer service in place to remove the holds they cause. 

1. XX/XX/2019, BOA placed hold on my debit card on business checking acct, card ending XXXX. 

2. BOA notified me by text. 

3. I called phone number in text. Provided options of 40 minute hold or call back. I request call back. 

4. Call back came but I was already asleep. I rejected call. Three more callbacks came, waking me four times. I had to shut off my phone. 

5. Today I called again. Again, a lengthy wait or callback. I chose callback. 

6. Upon callback I verified all recent transactions and was told block had already been removed but he would place notes verifying all transactions. 

7. I attempted to withdraw XXXX dollars from non BOA ATM, was declined, causing new block. 

8. I attempted to withdraw XXXX from same ATM, said error. 

9. I walked to BOA ATM, attempted to pull XXXX, received message about hold placed, asking me to call. 

10. I called again, options 40 minute hold or callback. Opted for callback. 

11. This caused nearly 2 hour delay in getting home. 

12. Callback came, agent said is no hold. 

13. I said would walk to BOA atm while on phone with her. While on phone, declined again due to block. 

14. BOA agent said would send me text, but it never arrived. 

15. She said would call me back right away. 

16. 10 mins. Later no call back. I schedule XXXX home. This caused to me be out on cold and get a headache. 

17. She calls and asks if I want her to check acct. I said yes and after that I want to speak with supervisor. 

18. She placed me on hold for nearly an hour. Currently on hold still.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion an inordinate amount of times regarding updating my credit report after my Chapter XXXX bankruptcy discharge. They are listing accounts from XXXX XXXX XXXX as active accounts. These accounts were included in the bankruptcy years ago. There have been no new accounts or dealings with any company associated with XXXX XXXX. I should not have these items on my credit report any longer. I have sent in copies of my bankruptcy discharge papers as well as proof of my address and how long I've lived there. This has all been to no avail. I have asked several times to be provided with any data they have so that I may file an identity theft report if someone has in fact utilized my information without my consent. To date they have provided nothing. They continue to snd back computer generated letters stating the debts have been verified but according to the Federal Credit Reporting Act this is false. That to me seems unlawful. Therefore I filed a complaint with CFPB previously. You, too were unable to resolve this matter with Transunion. This is against the law. I have contacted this XXXX XXXX company over 30 times. They admit to having received my bankruptcy notification. Then when I ask to speak to a supervisor to assist in communicating this to Transunion, I am transferred around and mysteriously hung up on. This is all absurd and I will be filing lawsuit and complaint with the federal court with regard to the bankruptcy laws being violated within the next few days.
Product: Debt collection

The same day our meeting with XXXX XXXX in XXXX XXXX we were informed, XXXX XXXX was a scam and to cancel immediately. I contacted an attorney and the XXXX XXXX XXXX in XXXX XXXX that same day of our meeting and was told I had 24 hours to cancel and how to cancel which I did. Enclosed you will find copies of the paperwork, which was notarized, stating we canceled this purchased within 24 hours of the transaction, and I personally gave to XXXX XXXX XXXX XXXX XXXX, the very next morning, less than 24 hours. They accepted the paperwork. However, they also did not refund our money back. We had paid them {$8000.00} cash. 
When I received a call from a collection agency, I explained ( like Im doing now ) what had happened. They told me I had done everything properly and they would not contact me anymore, which they did not. Now were trying to qualify for a mortgage, but this popped up and so did my XXXX XXXX. We had been scammed. It was placed on our credit XX/XX/2015. Its bad enough we lost {$8000.00}, but our credit too? I've included attachments showing proof of our cancellation.
Product: Money transfer, virtual currency, or money service

On XXXX  XX/XX/2023 i went into the US Bank at XXXX XXXX XXXX XXXX in XXXX XXXX. I brought in XXXX checks to deposit. XXXX days later I notice that I was given {$10.00} for XXXX of the checks that was written to me for {$1000.00}. US Bank never called me ; didnt even notice the error until I came into the bank on the morning of XXXX  XX/XX/XXXX. I have still not recieved my missing {$990.00}. 

Bank did not seem very contrite about the accident. Blamed the error on their scanner machine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused a big stress on my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed out a Deletion Letter to XXXX  and Equifax in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) for XXXX/XXXX  via account number XXXX. I provided all my necessary personal identification to verify the account. XXXX  responded with the account being accurate based on the e-oscar system, and Equifax did not respond within 30 days. XXXX   did not call or mail for questions to the creditor. My tri-merge credit report does not show a correspondence address or a working number. The contact number showing on my report brings you to an automated line that does not connect you to a live person to report a complaint.
Product: Debt collection

This account does not belong to me, it is the result of identity theft. 


Fraud Account Information Company Name : Lnv Funding c/o Resurgent Capital Fraudulent account number : XXXX Fraudulent Balance : {$320.00} Alleged Original Creditor : XXXX I have never had any relationship with the company with LNV Funding LLC c/o XXXXesurgent Capital Services & XXXX XXXX XXXX . 
This account is not mine. Fraudulent account was established using personal identification without my authorization. 
This account is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$17000.00} XXXX XXXX  XXXX Balance : {$8300.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX 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 or other personal consumer reports

I requested Transunion remove a freeze on my report. The company would not allow me to speak to a representative Stateside in the United States although I requested this several times. I was informed that I was permanently blocked from online services due to being a victim of identity theft prior. This further victimizes me by not allowing me ease of access to services that every other subscriber is. Due to their refusal to allow access to my report I was unfairly denied for a service. The company continuously proceeded to ask me questions that were supposed to be related to myself and my credit file that had absolutely no relation to me. I called repeatedly on several occasions and tried to explain but could never speak to a competent XXXX in order to look into this further and offer a resolution. I am also attaching a copy of the demand letter I mailed to Transunion.