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

SYNCB/TJX CO is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXXXXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXXXXXX XXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$9700.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Mortgage

To whom it may concern, I'd like to raise a complaint on Mr. Cooper as a mortgage originator. 

The situation : I have an existing loan that Mr Cooper services well. 

I saw a Black Friday promotion to explore potential refinances on the website. I called in, and spoke to XXXX XXXX. 

She had to pull not only a soft credit, but a hard credit check - in order to give me a basic mortgage quote ( rate/APY/fees ). e.g., I was rate shopping. 

A quote that was uncompetitive was produced. Uncompetitive based on my credit score based on the LTV for the loan. 

The issue : It is not acceptable for a mortgage originator to have to do a hard pull in order to rate shop. A hard pull is associated with application, where I explicitly informed Mr. Cooper I was rate shopping and that could lead to an application, later. 
Not immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bull City Financial needs to be removed from all three of my credit reports. When I call the phone number to try and resove the dispute, the company never has agents available. It does give you the opportunity to pay your bill through the automatic phone system, if you have an 8 digit code ( which I do n't because I was never sent a letter or certified mail regarding this debt ). No humans can be found to take your call. ( XXXX ) XXXX this is the number, I find it hard to believe that the credit reporting agency can verify this debt when I ca n't even speak to a person. This debt is through XXXX XXXX, and it was assigned to my ex in our divorce decree.
Product: Credit reporting, credit repair services, or other personal consumer reports

have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX   XXXX XXXX XXXX California XXXX # XXXX XXXX XXXX XXXX XXXX XXXX {$110.00}
Product: Credit reporting or other personal consumer reports

I saw that some inaccurate accounts are reported on my credit report so please check the documents I've sent
Product: Debt collection

I received a notice from Receivables Performance Management on   XXXX   XXXX   XXXX     attempting to collect a debt from   XXXX   XXXX   that another debt collection agency had previously returned to   XXXX   XXXX   as invalid. I called and talked to RPM customer service the same da y I re ceived the notice and told them I wanted to dispute the bill. They told me that they had an updated bill from  XXXX   XXXX  that they would send out. I waite ed three w eeks, then sent a written request to have the debt cancelled because the bill could not be produced. On  XXXX , they finally responded and sent a copy of the same  XXXX   XXXX  bill that had been returned as invalid, and additional RPM interest charges that they had been accumulating while I disputed the debt. I submitted my full documentation package to RPM, including insurance statements, the amount I actually owe ( less than  XXXX  of the billed amount ), and the history of the account, to RPM. They received the package on  XXXX . On  XXXX , in response to my documentation, they sent me a copy of the same original   XXXX   XXXX   bill. They are refusing to accept clear documentation that the bill is not valid, and they are continuing to charge interest while I dispute the claim.
Product: Money transfer, virtual currency, or money service

I am a customer/client of Ctibank for 25 years since XXXX. 
on XXXX my bank account ( Saving and Checking ) been wire-transfer out entirely with out my permission. 
the amount was XXXX thousands for Saving and roughly XXXX thousands for checking. 
I didn't know at the time of wire-transfer ( XXXX ) due to my phone was out of service and i was on camping site ( XXXX XXXX  XXXX ) XXXX 
Called Citibank to report fraud wire-transfer on XXXX after restored my phone and they take my case to investigating and Citibank closed my account XXXX Saving and Checking ) and advise me to open a new one, so I did open a new account on XXXX. 
Today XXXX after two weeks follow a phone call from me to the Citibank Fraudulent Wire-Transfer Department they said that they can not recover fund for me and advise i should hire a lawyer.

Please help me, all my 25 years of saving being wipe out with out protection from Citibank. 
thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax removed accounts for XX/XX/XXXXand XXXX XXXX and then placed them back on my credit report without informing me. These accounts were involved in identity theft and they were reported over 20 times to Equifax. I never used the name XXXX XXXX and never resided at the address for these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act, XXXX AKA XXXX Bank with Account ending in XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint as a follow up to the most recent CFPB Complaint I previously submitted last XX/XX/XXXX. This is my NUMEROUS request to remove the fraudulent items from my Credit File and trying to inform the Credit Bureaus that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following fraudulent items completely from my Credit file as soon as possible : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern at Transunion, On XX/XX/year> I contacted Tranunion and I am writing to express my utmost frustration and disappointment with the service I received from one of your employees, " XXXX, '' in the Special Handling Department. Our conversation revolved around my request for an investigation into a letter regarding another investigation, and while " XXXX XXXX promised a resolution, she ultimately ended the call abruptly and unprofessionally after keeping me on hold for over 2 hours. This level of disrespect and unprofessionalism from a customer service representative is simply unacceptable. 

Throughout our conversation, I was given conflicting information by " XXXX XXXX XXXX first, she stated the issue was due to an incorrect address, and then later claimed it was due to the FCRA law. When I requested the specific section of the law for my own understanding, she refused to provide it and instead chose to hang up on me. As a XXXX XXXX XXXX XXXX veteran, who has served my country with honor, I should not be treated with such disregard and lack of respect. 

It is concerning to see that an employee of your company would behave in such a manner. I have taken the liberty of recording the entire conversation for my own records and for my attorney 's review. I am deeply disappointed in the lack of professionalism and respect shown during this interaction. I hope that appropriate steps will be taken to ensure that no other customer has to endure such poor treatment in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXXXXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXXXXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 4. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Credit card or prepaid card

I recently signed up for the Best Buy Credit card, which is a revolving credit card handled by Citigroup, or a part of Citigroup. The terms included 18 months at 0 % interest for my purchase. On around XX/XX/2019, I set up an ACH ( electronic payment ) on Citi 's website to pay the bill and scheduled the payment to occur on the due date ( XX/XX/2019 - in this case ). The payment was {$110.00}, which was above the minimum amount of {$47.00}. As mentioned, the payment was set up to be paid on the credit card 's due date using Citi 's own website. However, on XX/XX/2019, I was charged a late fee of {$28.00}. Again, this should not have occured because the ACH payment was set up to occur on XX/XX/2019. On XX/XX/2019, I called Citi 's service department and they stated I did not schedule the payment to be paid on the due date but would credit my account the {$28.00}. In addition, they stated that I should allow 2 business days for the credit to occur. As of XXXX CST on XX/XX/2019 ( 3 business days later ), I have not received the {$28.00} credit. I believe that this may be an intentional practice by the Citi retail services group ( i.e. payments scheduled by consumers on time, or the due date, yet the company charges late fees ) and wanted to bring it to your attention.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of any erroneous entries from my credit XXXX. These entries inaccurately reflect my credit history. Compensation of {$1000.00} is due for each such erroneous entry on my credit record.
Product: Debt collection

I had an appointment with XXXX Hospital XXXX XXXX XXXX in early XX/XX/2018 for a consultation. 

A XXXX and XXXX was scheduled at XXXX Hospital on XXXX/XXXX/2018 with XXXX , XXXX XXXX performing the procedure. 

I was a recipient of Alabama XXXX at the time. 

Alabama XXXX denied payment to XXXX XXXX of XXXX Hospital XXXX XXXX XXXX, due to his failure to solicit and receive Prior Authorization. XXXX XXXX billed Alabama XXXX {$1000.00} for his services. 

Other medical providers i.e. XXXX Hospital XXXX, the pathologist, the anesthesiologist, and the XXXX were paid by Alabama XXXX. 

XXXX XXXX 's failure to receive prior authorization was the sole reason for denial, due to their error. Now they're trying to collect a debt for an error they caused. 

XXXX Hospital XXXX XXXX XXXX sent the debt to Franklin Collection Service, XXXX, MS . They're calling me trying to collect a debt caused by the irresponsibility of the medical provider. 

I mailed a written complaint to the doctor 's office. No response was received. I even called and offered to pay to debt, at the same amount Alabama XXXX would've paid, if they removed the debt from my credit reports. No acceptance. 

The {$1000.00} debt is on all of my credit reports. I want the debt removed from all credit reports. 

Once again, Alabama XXXX Agency told me the reason why they didn't pay XXXX XXXX ... he or his staff failed to request and receive prior authorization before the procedure. They had one month to do this, and failed to do so. 

Please assist in requiring the debt collection agency to remove the debt from my credit reports and for the doctor to cancel the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$0.00} ; XXXX XXXX Balance {$150.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance {$430.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$580.00} ; XXXX XXXX XXXX Balance {$900.00} ; XXXX & XXXX XXXX Balance {$180.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$240.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4700.00} XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX XXXX Balance {$3600.00} ; XXXX XXXX XXXXOpened XXXX XXXX, XXXX Balance {$260.00} XXXX XXXX XXXX XXXX XXXX  XXX Opened XXXX. XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$200.00} ; XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XXXX. XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX Inquiry Date XXXX. XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXXInquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ;
Product: Vehicle loan or lease

Ally Financial violated consumer protection laws by exposing subprime consumer such as me to unnecessarily high levels of risk and knowingly placing me in a auto loan with a high probability of default. Ally did not verify employment or verify it was actually me getting the loan. Ally requested no paperwork such as, bank statement, paystub, or anything to verify I could pay for this loan. Please bring a settlement upon ally financial I was a victim of XXXX  lending. Ally has not sent me the original indebtedness in its original form.
Product: Checking or savings account

I set up direct deposit through my employer to receive my salary. On Friday, XX/XX/year>, Capital One failed to release my hard earned money to my bank account. I tried to call the bank several times and all my calls get disconnected. This impacted my livelihood greatly as I depend on my money to survive.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have a personal checking account with Webster Bank. It was linked to my deceased mothers account that have been frozen due to her death. My account as well as my mothers accounts are in the fraud department. Her checking account and my checking account are seperate. I only have my checking account ending is XXXX in my name only. There was money moved from her account to my checking. I had found out after the fact that I am not listed as beneficiary on account nor was I aware that I was not a joint account holder on the account. 

I have explained this to the XXXXXXXX XXXX XXXXXXXX at Webster Bank who conveyed this to the fraud department ( XXXX XXXX ). I have had no response either in email, verbally, or written mail. I wish to have my checking account restored so I can close it out from the bank and access the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the XXXX over 30 days ago I am yet to receive a response, these items are inaccurate and should not be on my credit report.
Product: Debt collection

Getting repeated/frequent calls from XXXX number. Finally answered today. A lady stating she was from RCS in XXXX Ohio asked if I was " my name '' and I told her yes. Then she wanted me to verify my address and wanted to verify my date of birth. All she would tell me is she was from RCS in XXXX. Kept pressuring me for the information. I told her I don't give out personal info on phone to strangers. She kept insisting and wouldn't tell me what it was concerning. I told her to try someone else and hung up. I searched RCS in XXXX and found a Regional Collection Services in XXXX Ohio. Since I am not past due on anything I owe I am not concerned and thought I should submit this. Thank you.
Product: Checking or savings account

I called on several dates such as XX/XX/2024, XX/XX/2024, XX/XX/2024 asking that the account be closed and send me the check. I followed their instructions to send in the proper form found online along with a copy of my driver 's license. They said a check was sent on the XXXX of XXXX and i would receive it in about a week and nothing was received and they have not responded to my requests to speak to a supervisor. They say my account is now closed which is what I requested but a check was never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my credit report and noticed that the reporting companies where miss reporting information on my reports. I've reached out to them to correct these issues and have been told that they are not removing them. Examples listed below. this self-account ( XXXX ) is being reported as open by, XXXX, XXXX XXXX but closed by Transunion. and the balance is different by each one. This account ( XXXX ) is being reported with misreported account balance information, by Transunion XXXX XXXX XXXX XXXX XXXX also being reported with misreported account active dates. by all three, XXXX, Transunion, XXXX. This account ( XXXX ) is being reported with in correct information on the balances., by XXXX and XXXX. This account ( XXXX ) is being reported with in correct information on the last active dates., by Transunion, XXXX, and XXXX. As well as XXXX reporting different balances. This account ( XXXX ) is being reported with inaccurate information on the last active dates by, Transunion XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a Complaint via CFPB on XX/XX/year> to the credit bureaus requesting that the Bankruptcy listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights. 

Please conduct a thorough investigation into these accounts and provide me with written confirmation that they have been removed from my credit report. I expect a response within the 30-day period as required by the FCRA.