23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I would like to file a complaint against this company : Fay Servicing Services XXXX Customer Service ( XXXX ) XXXX The incident was on XX/XX/year>, around XXXX XXXX on the phone with customer services. 
I called the customer service number inquiring about the double charge for my monthly home mortgage. The agent from the customer service department who was on the phone with me refused to work with their customer support to request a refund for me. She asked me to email customer support myself even when she could verify the double charge on her system. Also, she is acting as a XXXX when she realized my accent on the phone. When I requested her to talk to the XXXX, she put me on long hold and came back to say, " All managers are busy. And they will say the same as I did, '' without giving me an option for them to call me back or any other options to solve the problem. I believe I have the right to talk to the XXXX as a customer, and that lady expressed racism to me without helping me solve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include : XXXX XXXX XXXX XXXX XXXX XXXX PL XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX CT XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, are a blatant violation of my rights and have severely impacted my financial standing. I demand that the Credit Bureaus take immediate action to investigate and remove these fraudulent items from my credit report without delay. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is the XXXX XXXX legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from the Credit Bureaus detailing the results of the XXXX XXXX investigation and the actions the Credit Bureaus have taken to rectify this situation.
Product: Credit reporting or other personal consumer reports

Transunion is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries and I demand that they be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate Information must be removed. These inquires has caused me to be denied credit and has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed helow do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. REMOVE NOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am deeply concerned that your company did not conduct a thorough and proper investigation into my dispute. It is evident that there has been a failure to adequately investigate and update the status of this account. This oversight has had a detrimental impact on my ability to secure credit, which is why I am invoking my rights under the Fair Credit Reporting Act ( FCRA ). 
As per the FCRA, accounts that can not be positively verified must be promptly updated. If you are unable to provide me with verifiable proof within the stipulated time frame, it is incumbent upon you to update this account. Under federal law, you are obligated to complete your re-investigation within thirty ( 30 ) days. 
Furthermore, I request that you provide a detailed description of the procedure used to determine the accuracy and completeness of the information, to be furnished within fifteen ( 15 ) days of the conclusion of your re-investigation. 
I firmly demand that this account be updated without delay in compliance with the FCRA and federal law to rectify the harm it has caused to my credit profile.
Product: Credit reporting or other personal consumer reports

I appreciate your efforts to help me to correct the previously reported misleading information on my credit file. However, I am not satisfied that you have fully complied with the guidelines of the Fair Credit Reporting Act ( FCRA ) in conducting this examination. I believe that further action is required to ensure maximum possible accuracy on my credit file. Please help me check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. If your investigation can not confirm the validity of the account 's information, I believe this indicates it is inaccurate. Additionally, I request a description of the procedure used to determine the accuracy and completeness of the information. Therefore, I am requesting another investigation with you of the account detailed below. 
XXXX XXXX XXXX XXXX : {$3300.00} - Please correct this immediately
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. REMOVE the late payments on my payment history ASAP.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX Balance Owed : {$520000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Department, I am writing to formally request the removal of an account listed on my credit report, as the debt associated with this account has been canceled. The details of the account are as follows : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Date of Cancellation : XX/XX/XXXX This account was charged off and closed by XXXX XXXX . Subsequently, XXXX XXXX issued a 1099-C form, which canceled the remaining debt. The cancellation of this debt is reflected in my IRS transcripts, confirming that the debt has been officially forgiven and is no longer owed. 

Given that the debt has been legally canceled, I request that XXXX take the following actions : Remove the Account : Remove this account entirely from my credit report, as the debt has been canceled and is no longer valid. 
Confirm Removal : Provide written confirmation once the account has been removed from my credit report, or if further information is needed, please contact me using the details provided above. 
I have included a copy of the 1099-C form issued by XXXX XXXX  and the relevant pages from my IRS transcripts for your reference. 

I trust that XXXX will take prompt action to remove this account from my credit report. Please let me know if any additional information is required to process this request. 

Thank you for your attention to this matter.
Product: Checking or savings account

They still have not released the direct deposit posted by my company Thursday night. They say it is a problem with a 3rd party vendors power outage. XXXX ( XXXX ). XXXX reports being up as of this XXXX  XX/XX/year>. No calls are being answered, I was on hold over an hour. No updates have been released on social media in hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late under any purpose
Product: Bank account or service

I applied for a Citigold Checking account using the promotion code XXXX with offer terms stating that " The bonus ThankYou Points will be credited to your existing ThankYou Member Account within 90 days from the end of the statement period in which you complete all offer requirements. '' The relevant account was opened on XXXX XXXX, XXXX and the offer requirements were met during the XXXX and XXXX statement cycles. The XXXX cycle closed on XXXX XXXX, XXXX. 90 days from XXXX XXXX, XXXX is XXXX XXXX, XXXX. 

The 90 day period following the completion of the offer provided ample time for Citi to fulfill its promotion. At no point during the 90 day window were the points credited per the terms of the promotional agreement. I have contacted Citi on multiple occasions XXXX during and following this window to establish the status of the points, but have not been provided with a satisfactory response. 

In my most recent correspondence with Citi, I explained the problem, of which the bank was already aware. I further expressed that Citi 's delay was preventing me from using the credit to purchase upcoming travel. The representative was unable to explain why the points had not been credited and was unable to provide a reasonable date upon which the promotional points would be deposited. The representative in question refused to resolve the issue and terminated the phone call. 

Citi has demonstrated a clear unwillingness to resolve the case. The bank has engaged in misleading marketing practices and false advertising by failing to deliver upon the terms and conditions of their promotional offer.
Product: Vehicle loan or lease

I submi
tted Complaint # XXXX and Ally Bank still did not fix the problem. I do not know why the CFPB closed the complaint. THE COMPLIANT HAS NOT BEEN SOLVED!!!!!!!!!!!!!!!!!!!! C.O. OF Ally Bank called me to harass me on XX/X/2017atXXXX. The CFPB is doing nothing about this. When I asked to speak to C.O. 's Supervisor he hang up on me. I am told that Ally Bank and the XXXX XXXX XXXX sold the XXXX XXXX that I retruned and made money off of I but I am still being charged {$2000.00}. I want CFPB to contact Ally Bank and XXXX XXXX XXXX  since they are in partnership to rip off the consumer by selling a XXXX that I leased at a profit and then charging the consumer {$2000.00} for excess mileage.
What is the CFPB going to do about this???
Is the CFPB really trying to help me??
Product: Credit reporting, credit repair services, or other personal consumer reports

Obtained two credit reports - Conf # XXXX and XXXX : page 6 shows previous addresses. The two reports clearly show my previous addresses have been updated twice in two months. I live in XXXX and have no access to the Equifax web site except to change my password. The system rejects my foreign IP number and tells me to call the 800 number. Since my previous address are being updated, someone else is trying to access my file by answering previous address questions for verification on line. It CAN NOT be me because of my foreign IP number being rejected by Equifax. 

To make matters worse, Equifax has failed to give me the furnisher 's name and address as required by federal law as to who is giving Equifax my long list of previous addresses all of which are over ten years old. They have been too busy hanging up on my phone calls ( 5 times in the last two days ) and all I have asked is who is giving Equifax these updates. It is NOT my creditors! 
If someone is giving Equifax false information or trying to breach my account, Equifax should tell me and law enforcement. Equifax has refused both. I want this problem FIXED. I suspect more updates will come in via internet and attempted breaches of my credit file and fales updates will continue. 

When someone tries to obtain a credit report, location and IP number are recorded. if Equifax is doing the update by its self i should be told the source of this information. 
Law enforcement should be immediately contacted for this security violation. Unfortunately, Equifax has refused to cooperate with me or contact internal security or law enforcement. 

Equifax has told me that old addresses will be cleared out, conf. # XXXX, but will not reveal the source of their updates every month and refused me and hung up on me when I ask who in law enforcement could help me. The last person to hang-up on me was XXXX, ( XXXX ). 

I need Equifax 's help and they have totally refused me and hang-up quite quickly on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Here are the following items items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX, VA XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$22000.00} ; XXXX XXXX XXXX Balance Owed : {$8900.00} ; XXXX XXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$550.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1800.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$160.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$2300.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They added collection to my credit reports without my knowledge! I checked & can't verify their registration in Louisiana! BOTH are FDCPA violations! LVNV FUNDING LLC ( put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the LA Secretary of State that they are registered in Louisiana which is also against the FDCPA! I request that LVNV FUNDING LLC ( verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If LVNV FUNDING LLC ( is unable to provide the above identifying account information, this account must be deleted from all CRAs. LVNV FUNDING LLC also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.
Product: Debt collection

Im in the process of applying for a home loan. I noticed this {$420.00} collections from PDQ Services on my credit report. I spoke with a representative back in XXXX and asked to be send an invoice they agreed. In XXXX I was recovering from XXXX XXXX which had me out of commission for XXXX weeks never received an invoice. On XX/XX/XXXX they put {$420.00} on my credit report. To be honest I was quite devastated since I had a credit score of over 700 at the time. I called them and spoke to a representative that said they mailed the invoice back in XXXX. I told him I never got it, he then quoted me the WRONG ADDRESS. I have since PAID OFF this invoice once I received it on XX/XX/2022. Im requesting PDQ Services be REMOVED from ALL 3 credit reporting agencys due to the collection agencys error.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021, I initiated a consumer credit transaction with Regions bank using my credit card as defined in 12 CFR 1026.2 and 15 USC 1602 ( i ). To my surprise I was denied my credit. Credit is a right as defined in Truth in Lending and to deny me my right because I in good faith exercised any right under the Consumer Protection Act is prohibited and discrimination which is a violation of 15 USC 1691 ( a ) ( 3 ). The inquiry on my consumer report and denial email is proof that a transaction occurred. A transaction was completed using my credit card and I never benefited from it, another violation of the Truth in Lending Act 15 USC 1602 ( p ). According to Regions Bank I was denied because of a credit score. Pursuant to 12 CFR 1002.0 ( b ) ( 2 ) I can not be denied because of company policy or because of a credit score. This discriminatory act taken against me has caused me XXXX XXXX  confusion, bouts of XXXXXXXX XXXX XXXX nights, and early XXXX XXXX from the XXXX.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 ( 2 ) states " I have a right to privacy. '' 15 USC 1681 section 604 a section ( 2 ) states. '' In general, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, XXXX XXXX these financial institutions and the consumer reporting agencies XXXX, Experian, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. ANY and all consent to XXXX XXXX XXXX, XXXX XXXX, XXXX, EXPERIAN, XXXX whether it be verbal, non-verbal, written, implied is revoked. Under 15 USC 1666 ( b ) A creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

in response to EXPERIAN to my compliant, yes I XXXX XXXX did send to experian and CFPB a complaint in reference to me being a victim of identity theft. I attached my FTC report and a copy of my social security card and my drive liscense.
Product: Credit reporting or other personal consumer reports

In accordance with 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. 


I told Experian to reinvestigate these accounts : Account name : XXXX XXXX XXXX Acct # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect? 
According to XXXX5 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.