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

My FCRA 15usc 1681 and HIPAA rights have now been violated and no one has done anything about it. I sent in written requests, but the credit bureaus keep losing my inquiries. Additionally, they are not updating my credit file that anything is in investigation, so it is as if they are purposely ignoring my requests. This is a violation. I was supposed to receive updates after 30 days and I should be able to see the accounts that are actively being investigated with a current status update, but this is not the case, and it has been more than 45 days. The current status of the dispute should have been recorded. Please do something about these 3 violations and they are getting away with committing toward me. 
The accounts that have no updates at 45 days and still have incomplete and inaccurate information on my credit file are the following : XXXX ) XXXX XXXX XXXX  : Acct # XXXX account dates are different on XXXX XXXX Equifax and XXXX, since it is inaccurate and still incomplete this should have been removed no later than XXXX. 
XXXX ) XXXX XXXX XXXX : Acct # XXXX, Acct # XXXX, Acct # XXXX and Acct # XXXX these accounts amounts are different on two of the credit bureaus. And one doesn't have an amount listed even close to the other two. This is completely inaccurate and should have been removed or updated within 30 days.

This is illegal and goes against the very Law book they advise they adhere to. No one responses to me in a timely manner, they do not update my current account status and they do not correct inaccurate and incomplete information. 

HELP.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX BMO Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Promotional Offer To Whom it May Concern : On or about XX/XX/XXXX, I applied for a Simple Business Checking online in response to a promotional offer to receive a {$600.00} bonus. 

I met all offer terms for the {$600.00} bonus but received a lesser payout of {$400.00}. Attempts to resolve this issue online were unsuccessful. 

Please pay the additional {$200.00} I am owed. 



Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I deposited a bank draft for {$46000.00} into my Truist Checking account. This draft was drawn on a XXXX XXXX account by XXXX. It was funds from selling a vehicle. Truist put a 12 day hold on the funds with the reason that I have utilized their " negative balance buffer '' feature of my checking account too many times. 

I am being penalized for utilizing a feature of the account that they offer and advertise.
Product: Checking or savings account

I have opened a business bank account with Citibank N.A on 2019. 

On XXXX they closed my account without previous notification and with no aparent reason. 

I receive on wire on XXXX ( three days before the account was closed ). Total amount was {$12000.00} ( XXXX XXXX XXXX XXXX ). The bank closed this amount and didn't send money back. 

I tried multiple times to call the bank and solve this situation and got no feedback so far. 

ACCOUNT : XXXX/Routing Number : XXXX
Product: Credit card or prepaid card

Two credit cards were opened fraudulently on XX/XX/XXXX, I do not know by whom. I have made a dispute. Some places the card was used at were XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XX/XX/XXXX corner store. I have no idea who could have done this but this needs to be removed from my credit report because I have not opened a credit card with XXXX XXXX XXXX They have used an address here in XXXX XXXX which is XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Another credit card was opened XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 a Hacker contacted Experian and pretended to work for a debt collection agency. 
At no time did the agent with Experian and took the call, asked this Hacker to provide proof of identity and their employment with the debt collection agency. 
It wasn't until XXXX XXXX XXXX  that Experian decided to email me and inform me that they had decided to alter my credit report due to the information that was provided by this Hacker. 
At no time did the agent for Experian and prior to altering my credit report, checked to see if this fake debt collector was in compliance of the law. Specifically Regulation F.

Experian claims to protect consumers and offers all kinds of services to do just that. I am coming to the conclusion that this negligence by Experian happened so that I would become scared and purchase at least one of their offered products. 
In fact, I was offered a {$50000.00} product guarantee if I signed up for one of their products. 
This enticement induced me into accepting a defective product.
Product: Vehicle loan or lease

I received the attached response from the Chairman 's Office at Citizens Bank on XX/XX/year> regarding case XXXX XXXX XXXX, a case number assigned by Citizens Bank. See Exhibit A attached. As of today, XX/XX/year> no further communication on this from Citizens Bank. 

On XX/XX/year>, I received the attached statement date XX/XX/year> requesting to pay {$560.00}. I inquired why this payment is being requested when I paid all my monthly premiums. See Exhibit B attached. As of today, XX/XX/year> no response from Citizens Bank. 

On XX/XX/year>, I received statement date XX/XX/year> requesting I pay {$270.00}. I inquired why this payment is being requested. See Exhibit C attached. As of todayXXXX XXXX XXXX XXXX  no response from Citizens Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX signed me up without my permission and included me in Experian Credit Protection without my permission. I in turned went to the Experian account online and requested the removal of the credit inquiry from XXXX and to remove my name from their protection account file. They then released my name and phone number to thousands of insurance companies, financial help sites, bankruptcy attorneys and so on. I am getting 500 calls a day and can not get it stopped. HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notify Equifax about the account they have on my credit report because they have duplicates on my report. They told me that it will be taken months ago, yet when I called 2 days ago they told me it won't come off. That it will have to stay on when it's a duplicate account that makes my credit report looks like I owe more than I do! This student loan is not even supposed to be on my account due to school closures! I submitted everything as did the school, and even one loan that's been on there for over 7 years! Per the law past 10 years, it's supposed to drop off your credit report by the FCRA law and it's still on my credit report. I also got a letter saying they would do it and it never happened!
Product: Debt collection

I had a repossession in XXXX and now there is a debt collector is garnishing my bank account for a total amount of {$26000.00} for a XXXX XXXX XXXX. I contacted Wells Fargo and they do not have anything of a debt from me.
Product: Debt collection

Alltran Education , inc . 
XXXX. XXXX XXXX, XXXX OK XXXX XXXX Is ridiculous. SCAM company. How do they have authority?
Product: Money transfer, virtual currency, or money service

Today was my XXXX attempt to buy and transfer XXXX from PayPal and send to my reliable XXXX XXXX. My last XXXX attempts to buy and transfer XXXX were both locked after purchasing XXXX. My original and first purchase was transferred with no issues. Thereafter, nothing has worked as it should. The excuse by PayPal is that they use a XXXX party system to send and receive crypto. If this is the case, why did my first purchase transfer without issues. The reality is they are using an unreliable security technology that makes too many assumptions of fraud. Once PayPal or Venmo receives information that the purchase and transfer is not fraud, they do NOTHING about it to allow for the release of the funds. The funds will remain locked for up to XXXX days, see my previous complaint filed against Venmo. PayPal needs to take responsibility for the failure of their security technology, get it fix and find a better way to allow access to funds. I know that numerous complaints have been filed but yet nothing is done to hold PayPal and Venmo accountable for these unacceptable holds. XXXX is instant and can not not be recalled. Therefore, what reason is there to place a hold on the funds? Its simple, PayPal has a known problem with their crypto trading platform and doing nothing about finding a better solution. I will now have to sell the XXXX, transfer the funds back to my account and use another site to purchase and send the XXXX. This will cost me about {$20.00} waisted on PayPal. I do expect a full refund from PayPal for all the fees charged for buying and selling the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a credit report check through XXXX, and it's lists an Bank of America account that I've never used but states a balance of {$14000.00}. I have never used this account. I believe it is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I attempted to use the Experian website to unfreeze my credit report. The Experian website generated a 10 digit " PIN '' that I was to give to the company that wanted to look at my credit report. I have not given the company both the 10 digit " PIN '' and the 6 digit number to allows me to track the unfreeze number. Neither number works per the company. Since Experian does not publish a phone number for resolving this number AND Experian requires me to create an account to attempt to resolve this issue I am unable to grant access to my credit report to the company requesting access. 

I have previously created an account with Experian and since the website the password is incorrect I am unable to login. Since I can not call Experian resolve the password issue I am unable to login. Kind of a catch 22 here. 

I do not want to create another account with Experian nor with CFPB. Call or email me directly to resolve these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$2100.00} ; XXXX XXXX  XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$27000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. However, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

CPC XXXX Is a debt collection company that keeps calling my employer 3 to 4 times a day. They have shared information to my co workers and it's personal information that they should not know about.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - mortgage account- too old to be on report ive tried to get it removed transunion - XXXX and XXXX first went delinquent in 2015 - cant stay on XXXX after opened was paid in full due to insurance coverage
Product: Vehicle loan or lease

My Credit report is stating that I have 2 vehicle auto loans when I only have one auto loan for XXXX per month with a 2012 XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XXXX XXXX XXXXTo remove personal information that I don't want on my credit report.According to the fair credit reporting act. 15 USC 1681 .I have the right to privacy .And also According to 15UCS 6802 NO finacial institution is ever suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.
Product: Debt collection

On the month of XX/XX/2020 I CONTACTED XXXX XXXX XXXX To dispute a validation about purchased debt from the original creditor Comenity Bank, in the amount of {$370.00} A DEBT THAT I DO NOT OWN* I tried talking to multiple agents at XXXX XXXX XXXX XXXX removed the False inaccurate account from my consumer report. As a result we were not able to come to agreement to removed this false and inaccurate information from my consumer report I feel my rights have been violated as a consumer and have been taken advantage By Comenity Bank and XXXX XXXX XXXX. Section FCRA 611 ( a ) as it states failure to investigate items within 30 days gives reason for deletion immediately. It has been well over 60 days and this account is still reporting to my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XXXX XXXX. Here is my tracking # XXXX. To remove personal information and public records that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to all 3 credit bureaus- XXXX XXXX TransUnion XXXX and XXXX disputing this Account with ( XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL XXXX BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL XXXX credit bureaus and CREDIT ACCEPTANCE. I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Credit card

I can not access my account in order to pay my bill. The company is XXXX XXXX XXXX which seems to be a child company of Concora Credit. The website I try to use is XXXX which looks to be managed through XXXX XXXX XXXX. Long story kept short, it will not let me login through the website ( gives me an error each time ), nor can I reach them over the phone. That number is XXXX. I get a busy signal. Apparently there is a XXXX XXXX XXXX app but it is not available in the US? Everything I try to lookup about XXXX XXXX XXXX brings me to a company in the XXXX. The account has been closed for some time but I was still making the monthly payments. This all started about 2 months ago when I was unable to login online to my account. I was still able to call and make payments over the phone but that has stopped working as well. I just received correspondence from them in the mail regarding my bill. I am able to mail in my payment but I do not feel comfortable doing so without access to my account online or over the phone.
Product: Money transfer, virtual currency, or money service

On XXXX I accessed my XXXX account to remove a closed bank account and add my new bank information to transfer {$500.00}. During this process, I pressed the wrong button and XXXX sent the transfer to the closed account. Within five minutes, I tried to cancel it thought XXXX, but I was unable to do so. I was told that if it was sent to a closed account, it would be returned to my XXXX account in 5 days. XXXX does not offer XXXX recalls but has provided me with the trace number for the transaction. I have spoken to Peoples United bank which merged with M & T Bank after my account was closed approximately every three days since. They have confirmed that my money has been deposited into someone else 's account at M & T Bank that does not belong to me. Every person I have spoken with has given me a different story as to why this is taking so long and I have to start over from the beginning of the story every time I call them. I have given them old addresses, account numbers, social security numbers, the actual trace number for the transaction which they have confirmed did not go to me. They refuse to let me speak to anyone in their ACH department and are now telling me I have to file with small claims court and file a police report to ( maybe ) get my money back. I am hoping that filing this complaint will help.
Product: Credit reporting or other personal consumer reports

This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with case number XXXX with Equifax. The case was responded to and closed today the XXXX of XXXX 2017. As usual of Equifax, they have refused to do any investigative work to resolve this issue. I attached letters from the company that did a hard inquiry into my file asking Equifax to delete the records. I am submitting these letters again for Equifax to revisit. 
I wish to plead with CFPB to compel this company to do the right thing and save us time. I intend to file a suit to compel them to remove these items since the company involved issued letters to that effect.
Product: Credit reporting or other personal consumer reports

You were previously notified to remove the account XXXX XXXX XXXX from my credit report due to inaccurate reporting. I have attached documentation from the company confirming that this account was to be removed from my credit report in XX/XX/2024. I am demanding that this account be removed from my credit report within four ( 4 ) days. Failure to comply will result in escalation to the Attorney General and potential litigation, as this matter involves inaccurate reporting, including the re-aging of the " date last active, '' and continued reporting of an account that the company has confirmed should have been removed. Supporting documents are attached for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear to whom it may concern, Please remove this from my account, this is a Closed Account and needs to be updated ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

It became impossible to get help from fraud. I am XXXX years old, not fluent in English and bad businesses take an advantage of me all the time. Now Experian began to help bad credit card businesses to retaliate me for my requests for investigation and helping them to continue to XXXX my life and steal from me and helping yourself to become a bad business too. Experian is sitting on my back and constantly asking to get paid services from them and I did not chose their paid services that they constantly email me, bossier me and trying to keep me under pressure. Experian began falsely extend accounts that they refused to investigate appropriately for unauthorized charges and pure fraud and theft by XXXX XXXX in the past and keep extending those false debts year after year by refreshing them that it will have no end and will keep my credit history below fair score. The outrageous power abuse was forced by credit cards and expanded by Experian violent power abuse.
Product: Credit reporting or other personal consumer reports

I am not responsible for this account, have tried to remove the inquiry from my credit score but company was not able to resolve the issue. 

XXXX XXXX XXXX Opened on XXXX In the amount of : {$150.00} I have not given consent to any type of payment for services. This is not my responsibility as I have no commitment with XXXX XXXX XXXX. The company who sent me to collections has been in prior communication and I have notified on multiple occasions via email, mail & in person of this ridiculous amount that has been accumulating throughout the year. I have no association with them and have proof of all closure.