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

In XXXX and XXXX XXXX, the following accounts were deleted from all 3 credit bureaus : XXXX XXXX in the amount of {$64.00} -XXXX XXXX XXXX in the amount of {$440.00} In XXXX of XXXX and XXXX XXXX both accounts were reinserted back onto my credit report. According to the fair credit reporting law we are supposed to be notified before reinsertion of any deleted accounts on a consumers credit report. I did not receive any reinsertion notification about either of these accounts. Here is the law below : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material : Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a  consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is being fraudulently reported on my consumer report and must be legally removed based on the FCRA rights and under the 15 US Code 1681b- Permissible Purposes of consumer reports. You have violated 15 USC 1681B ( 2 ) ( A ) ( i ) ( ii ) ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

I did not give my written consent for you to present this out to the public being my consumer report please remove this account from my report.
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. These accounts must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix 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 XXXXXXXX Balance {$1300.00} ; XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$2500.00} ; XXXX XXXX XXXX Balance {$28000.00} ; XXXX XXXXXXXX Balance {$16.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$810.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$36000.00}.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX I made a payment of {$7200.00} to my Capital One XXXX XXXX card. The payment was deducted from my bank account on XXXX/XXXX/XXXX. When I went online to review the status of my Capital One credit card the available balance was around {$150.00} although I see the payment posted in my credit card transactions. I then checked my bank account again to make sure I was not missing something. At this point I planned to call Capital One to see if my credit limit was significantly and if so for what reason. When I called Capital One on XXXX/XXXX/XXXX they told me my credit limit of {$8900.00} was still in place and the payment was placed on HOLD because of the amount. I asked why was n't I notified of this HOLD, they replied they do not have procedures/requirements in place to notify a customer when they place a payment on hold. I then asked why an electronic payment placed on HOLD especially when Capital One had already received the payment as it had cleared my bank account. I have screen shots of all these dates and payments if CFPB would like visual details on the payment activity to confirm/validate my comments.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Account number XXXX DeaXXXX XXXX XXXX XXXX : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report
Product: Credit card

I submitted my credit card payment to American Express on the day it was due. American Express is system, however, did not market as received until the following day. They have charged me interest in two consecutive cycles based on that payment.
Product: Checking or savings account

I am attempting to connect my PNC Checking Account to my XXXX  account and PNC is not allowing the transaction to go through effectively limiting my access to my money.
Product: Credit reporting or other personal consumer reports

For years I have attempted to dispute negative and erroneous items from my report all to no avail. Recently, I have tried to contact Experian with all of my efforts being met with silence. 2 days ago, I tried to access my Experian account after quite some time and I was sent into a loop of endless errors and confirmation emails yet still have no way to login. Please help!
Product: Mortgage

I lost my job several months ago, and have not been able to pay my mortgage for most of 2017. My account is with Fay servicing in XXXX. I asked My account manager for options And she was able to work up a modification plan but the problem with the modification plan is it requires over {$4000.00} as a good faith payment upfront. In the past they have waived the good faith payment and are refusing to waive it now. I then asked for a deed in Leiu Of foreclosure, basically a cash for keys which in my first conversation with my account manager she stated I would be eligible for at least {$3000.00} but will try to get me more. She then moved forward getting the modification but never worked on the cash for keys, asked her to check on it she put me on hold and five minutes later came back and said her VP said no cash for keys but they would take the keys and the deed. I said I cant come up with the {$4000.00} I once again asked for something for the deed, she began to argue with me. I can not tell you how many times Ive had to deal with Fay Servicing, they have put me in to other modifications which I told them were too expensive for me to handle I just want to be done with the house but I would need some sort of cash amount in an effort to be able to get a security deposit and first months rent with an apartment. I think it has been their goal all along to try to push me out of the house. The investors that own The mortgage have modified several times before without a good-faith payment, they have also offered me cash for keys in the past which I did not take because at the time I wanted to keep the house. Fay Servicing is  extremely dishonest and they treat people that are having financial struggles horribly. I have read other situations which they push forward with foreclosure which is what they did when they first got my loan a few years ago. I was under a forbearance agreement with my former mortgage servicer, and once they purchased it they immediately put my house back into foreclosure. This is a tactic they use, the only reason I still have the house is because I fought it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act. The list of XXXX below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX XXXXXXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX  # XXXX, Account Name : XXXX XXXXXXXX XXXX XXXXXXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX  # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX  # 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.

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 XXXX 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: Checking or savings account

Yes, I GET XXXX BENEFITS EVERY MONTH, FOR 12 YEARS NOW! AND MY ACCOUNT IS NOT!! WHAT AMOUNT OF PAYMENT I RECIEVE!! WHERE? WHO? IS HACKING, OR FRAUDLENT MY BANK!!? I DONT EVER, EVER GIVE OR DO ON LINE SHOPPING, AND DO NOT EVER GIVE PERMISSION FOR IT TO BE DRAINED??!! DIRECT EXPRESS IS NOT A FAIR, HONEST BANK!! CAUSE THEY ARE TO PROTECT MY MONEY, TO STOP ANY TRANSACTIONS!!! SO ONE DAY?,!! TODAY IS THE XXXX OF XX/XX/2023 AND MY MONEY IS BEEN FRAUDLENT TAKEN!! I DONT HAVE FOOD, HOUSE HOLD STUFF THAT I SHOULD AND USELY HAVE EVERY MOTH!! WHY?? WHERE IS MY MONEY?? PLEASE I DONT GET ALOT FROM XXXX FOR WHAT I DID GO THROUGH AND WISH ITS NOT LIKE THIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAVE ANY THING TO KNOW PLEASE CALL ME, XXXX CELL PHONE, INCOME IS {$910.00} MONTHLY. THANK YOU MUCH
Product: Debt collection

I never received written notification about this outstanding debt. Under section 605b of The Fair Credit Reporting Act ( FCRA ) both the credit reporting agencies ( CRA ) and the furnishers ( creditors, debt collectors, and other companies that reported that information ) are responsible for blocking that information from appearing on a victims credit reports. I am a victim of identity-theft. 

1. XXXX XXXX XXXXXXXX acct. # XXXX bal. {$630.00}
Product: Credit card

I attempted to request a XXXX XXXX  interest rate many times and they denied my request. I have been in the intensive care unit and i am not able to work due to balance issues and lack of fine motor skills due to an XXXX XXXX XXXX. I am not able to make payments and have no income.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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. 

and according to 15 USC 1681s-2 they are supposed to 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.

Negligence of this law within the FCRA activates your company to be liable for damages sited in 15 USC 1681n and 15 USC 1681o. 

Please Delete XXXX XXXXXXXX from my credit report because of multiple violations of the Fair Credit Reporting Act!
Product: Credit card

I spoke to customer service and a suporvisor that said on the call they see it was corrected and they were going to far over the letter of good standings ( never got a fax ) and then they came back to XXXX with no change ( makes no sense ... ) it should be off my report! I have spoken to them numerous times and they say one thing than go another route ... It was from so long ago and i believed at those times it was corrected ... i do not have doc on it bc it was so long ago! But i am hoping they will finally admit what they say on phone and take OFF this inquire finally thank you!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Mortgage initially serviced by XXXX XXXX XXXX XXXX  ( XXXX ), sold to Freedom Mortgage effective XX/XX/XXXX. Property taxes were overpaid for both XX/XX/XXXX and XX/XX/XXXX.That issue was resolved withXX/XX/XXXX FL Tax Assessor and refunds were sent to both mortgage services, as they were the parties that paid the taxes on our behalf. Beginning on XX/XX/XXXX, I sent messages to XXXX inquiring about the refund and asking them to refund our escrow overage, as they still escrowed for the higher tax amount. After many calls and truly hours in their queues, they FINALLY resolved that portion via letter and refund datedXX/XX/XXXX, received by USPSXX/XX/XXXXfor {$6000.00} -- covering the XXXX  overpayment and escrow overage. I am still waiting fro the {$3700.00} overpayment fromXX/XX/XXXX, which was sent to XXXX XXXX  dutifully overnighted a check to Freedom Mortgage on XX/XX/XXXX via XXXX, and the tracking numbers shows it was signed for by XXXX XXXX at Freedom Mortgage onXX/XX/XXXX at XXXX They have yet to credit my account, and after multiple additional calls report they are not able to directly contact XXXX. They are now telling me I must get a copy of the front and back of the check from XXXX  and send it to them as proof that they have my refunded tax overpayment. I'm really fed up with Freedom Mortgage, their inability to track my account, their indifference to the problem and their perhaps intentional (? ) willingness to hold on to nearly {$10000.00} that doesn't belong to them for far longer than they should.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a compliant with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 45 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from from my credit report it has been over 45 days so they should be deleted promptly
Product: Credit reporting or other personal consumer reports

There have been several accounts opened since XXXX XXXX opened in my name that I did not authorize. This has been impeding me from my ultimate goal which is being able to purchase my family a home and the credit repair companies that I have tried going through only take my money and show no results therefore Im taking action on my own.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX provided information on a business credit card to my personal credit file with transunion, XXXX, and Experian without my consent. They are only supposed to be reporting to my business credit profile and I have not been late on any payments to have the information reported to my personal credit profile. I called XXXX who confirmed it was an error by their company. As a result of this error, my credit dropped 40 points and I was denied for personal credit products!!!!
Product: Debt collection

I have received many calls from the company but always an automated response with no information about the debt. I have tried to contact someone from the company to inquire about the debt but they are unable to tell me anything about it. Appears to be a scam based on what I read online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a GA tax lien on my credit report since  XXXX  in the amount of {$1400.00} that has been paid a nd satisfied.I requested for t he lien to be removed from all  XXXX  credit bureau agen cies. ( E quifax,  XXXX  and  XXXX   ) b ut has not bee n done.The GA State tax said they do not report to credit burea u and  XXXX  GA  Superior court sai d they do not also. I tried to pull my name up on   XXXX   XXXX   XXXX   but nothing comes up under my name so this is proof I have no outstanding state tax liens.   This is affecting my credit score significantly and I desperately need help getting this removed.
Product: Student loan

I sent my student loan company Navient a Principal Payment in the amount of {$30000.00} and they have not credited my account. The check has cleared my bank account on XX/XX/2019 and I included a letter of instruction with my check. I believe there is fraud or embezzlement going on with Navient and they have stolen my money. This is money I have saved for a long time and worked very hard to get my student loans paid off. Please help me resolve this and find my money. I am very distraught and I have tried to contact Navient and faxed them proof of payment and I can not get anyone to help.
Product: Credit card

I received a letter in the mail today with a credit card attached. It came in a regular white envelope and informed me that I need to activate my account through XXXX. It states there is a 0.0 % introductory offer. It gives a phone number to activate the card. The available credit is {$150000.00}. It states the member since XX/XX/2016 and valid through XX/XX/2016. On the back of the card there is nowhere to sign the card and there is also no CVV number. It offers a phone number or website to activate the card. There are two names listed on the card.
Product: Checking or savings account

In XXXX Navy Federal credit union. There was an overdraft on my account but the account isnt suppose to process if the total funds arent available to process that still allowed it to process charged overdraft and other extra fees that I didnt have and later closed my account after speaking with them about it they said they couldnt fix the problem
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally raise concerns regarding the practices of the credit bureaus in relation to my recent disputes. My experience indicates a lack of proper investigation into the information provided by creditors, as well as inadequate responses to my inquiries. 

On XX/XX/XXXX, I submitted a dispute to the credit bureaus, requesting that they verify the accuracy of specific account information. I have tracking receipts confirming that the bureaus received my disputes. However, after 30 days without any response, I followed up with another dispute, asking for verification of the negative items on my report. In my request, I emphasized the necessity of having a live person involved in the verification process to ensure accuracy. 

Despite my efforts, I received no relief or evidence of any investigation from either the bureaus or the creditors involved. I have documentation of my communications, including tracking receipts showing that the disputes were acknowledged between XX/XX/XXXX and XX/XX/XXXX. 

Moreover, I noticed significant discrepancies in the reporting of late payments across the different credit bureaus. I highlighted these discrepancies in my correspondence and provided copies of each credit report for comparative purposes. Unfortunately, my concerns have not been addressed, and the errors remain unresolved. 

These experiences lead me to believe that the credit bureaus are engaging in passive reporting and verification practices, rather than fulfilling their obligation to conduct thorough investigations. This lack of action appears to reflect a disregard for the accuracy of the information they report. 

I respectfully request that the CFPB investigate these practices and hold the credit bureaus accountable for their responsibilities under the Fair Credit Reporting Act. Accurate credit reporting is vital, and I believe that consumers deserve diligent investigation and correction of any inaccuracies. 

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

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Prepaid card

I disputed all funds that came out my debit cards that ends in XXXX with PayPal. PayPal stated there was nothing to dispute because I never owned a card that ended in XXXX I have the images and XXXX from my statement. They also used a second XXXX verbalized card that ended in XXXX but images shows XXXX ( quit deceiving isnt it ) I'm putting all the pieces together.